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Overview

4 bd4 ba3,668 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2004
Lot10,624 sqft
Living area3,668 sqft
Price / sqft$124
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Built-in FeaturesCeiling Fans(s)Central VaccumEat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimarybedroom Upstairs

14 Whetstone Ln is a 2004-built home in Palm Coast Sec 23, Palm Coast. Inside you'll find 4 bedrooms, 4 bathrooms, and 3,668 square feet of living space. Listed at $454,999 (about $124/sqft), 255 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually Staged. INCREDIBLE SPACE & VALUE IN PALM COAST! If you’ve been searching for a home with room for everyone, this is one you don’t want to miss! Welcome to 14 Whetstone Lane, offering an impressive 3,668 square feet of living space with 4 bedrooms and 3.5 bathrooms. The spacious, flexible floor plan is ideal for large or multigenerational families, guests, working from home, or simply anyone who wants room to spread out. A major bonus is having two bedrooms downstairs, offering added convenience and flexibility for guests, extended family, teenagers, or a home office. Inside, you’ll find generous living and entertaining spaces, a spacious kitchen, and plenty of room to make this home your own. Upstairs, the oversized primary suite provides a private retreat with plenty of space to relax. Step outside to the fenced backyard and covered patio, ready for Florida outdoor living, pets, entertaining, or even your future pool. A 12’ x 24’ saltwater pool option is available separately—ask for details! Additional highlights include a 2022 roof, abundant living space, and a fantastic Palm Coast location convenient to shopping, restaurants, schools, parks, I-95, and Florida’s beautiful beaches. At just $464,999, you’re getting approximately 3,668 square feet of living space—an incredible amount of home for the price! If space, flexibility, and value are at the top of your wish list, 14 Whetstone Lane deserves to be at the top of your must-see list. Schedule your private showing today!

The essentials

Built
2004
Price / sqft
$124
On market
255 days
Annual tax
$6,098
Flood zone
X · Low risk
Lot
10,624 sqft
Type
Single Family Residence

At a glance

Single family
Built 2004
2 car garage
10,624 sqft lot
Lot size
3,668 sqft
Living area

Payment

Est. monthly payment
$3,109/mo
Down payment (20%)
$91,000
Property taxes
$508/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2004
Lot
10,624 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
255
Built-in Features
Ceiling Fans(s)
Central Vaccum
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Walk-in Closet(s)
Balcony
Fire Pit
Lighting
Private Yard
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Range Hood
Refrigerator
Washer
Elementary
Wadsworth Elementary
Middle
Buddy Taylor Middle
High
Flagler-Palm Coast High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$6,098
Parcel #
07-11-31-7023-00620-0100

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Palm Coast Sec 23
County
Flagler
MLS Area
32164 - Palm Coast
Lot Size
10,624 sqft

Price history

Date
Event
Price
8/25/2026
Price change
Source: Stellar MLS #FC315784
$454,999-2.2%
$124/sqft
-
Price change
Source: Stellar MLS #FC315784
$464,999-11.9%
$127/sqft
2/4/2026
Listed for sale
Source: Stellar MLS #FC315784
$528,000
$144/sqft

Neighborhood

14 Whetstone Ln
Palm Coast, FL, 32164 · 32164 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $454,999
$452,500 – $454,999
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 597 home closings in 32164 landed at this number or higher (51%). The median one sat 48 days before it went under contract, and this one is on day 255 after a $73,001 cut.

Sample: 597 closed home sales in 32164 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,109/mo
Principal & interest$2,373
Property taxes$508
Insurance$227
Down payment20% · $91,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$454,999

$124 per sq ft

Beds and baths

4 beds, 4 baths

Size

3,668 sq ft

Time on market

255 days

Year built

2004

Monthly payment

About $3,109/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,098 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byATLANTIC COASTAL REAL ESTATEListing agent: Amy TaylorListing data from Stellar MLS, MLS# FC315784.

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