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Overview

4 bd2 ba1,820 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2026
Lot10,019 sqft
Living area1,820 sqft
Price / sqft$176
Garage2 car

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

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
PALM COAST SEC 28
Type
Single Family Residence

True monthly carry

HOA
None / TBD
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

High CeilingsIN Wall Pest SystemOpen FloorplanPest Guard SystemWalk-in Closet(s)DishwasherDisposalElectric Water Heater

54 Pony Express Dr is a 2026-built home in Palm Coast Sec 28, Palm Coast. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,820 square feet of living space. Listed at $320,000 (about $176/sqft), 175 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Move In Ready!!! $1,000 escrow deposit and when using one of our lender partners, we will pay a portion of closing costs. Saving thousands of dollars at the closing table. This 1820 sqft brick home in the Pine Lakes area of Palm Coast is a 4-bed, 2-bath beauty is just minutes from beaches, shopping, schools, and restaurants. Imagine this home having high ceilings, a formal dining room, and a spacious great room to create a vision of modern living and everyday comfort. Smart features like stainless steel Whirlpool appliances, energy-efficient double-pane windows with easy-clean fold-in design and a built-in Pest Home Defense system show the value of a thoughtful design. The owner’s suite sets the example of luxury, with a large walk-in closet, ceiling fan, and a spa-like bath featuring double sinks and sleek MOEN nickel faucets. Enjoy a covered back patio, extending your living space outdoors — perfect for morning coffee, evening gatherings, or quiet moments of relaxation. With warranties that protect your investment (1-year builder, 2-year mechanical, 10-year structural), you can truly own peace of mind along with your dream home. This home isn’t just built — it’s designed to bring your vision to life, teach the value of smart living, set the example for comfort, and give you the chance to own it all.. Photos are of actual home.

The essentials

Built
2026
Price / sqft
$176
On market
175 days
Annual tax
$972
Flood zone
X · Low risk
Lot
10,019 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
2 car garage
10,019 sqft lot
Lot size
1,820 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$1,910/mo
Down payment (20%)
$64,000
Property taxes
$81/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
10,019 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
175
High Ceilings
IN Wall Pest System
Open Floorplan
Pest Guard System
Walk-in Closet(s)
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Elementary
Rymfire Elementary
Middle
Buddy Taylor Middle
High
Flagler-Palm Coast High

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

Flood Zone x
Annual Tax (2025)
$972
Parcel #
07-11-31-7028-00110-0040

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 28
County
Flagler
MLS Area
32164 - Palm Coast
Lot Size
10,019 sqft

Price history

Date
Event
Price
10/3/2026
Price change
Source: Stellar MLS #FC318024
$320,000-1.5%
$176/sqft
-
Price change
Source: Stellar MLS #FC318024
$325,000-6.0%
$179/sqft
4/24/2026
Listed for sale
Source: Stellar MLS #FC318024
$345,900
$190/sqft

Neighborhood

54 Pony Express Dr
Palm Coast, FL, 32164 · 32164 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $320,000
$317,500 – $320,000
99.5% – 100% of listTops out right at the list price
80% of listList price
304 of the last 597 home closings in 32164 landed at this number or higher (51%). The median one sat 49 days before it went under contract, and this one is on day 175 after a $25,900 cut.

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

Talk through an offer with our team

Calculator

Est. monthly payment
$1,910/mo
Principal & interest$1,669
Property taxes$81
Insurance$160
Down payment20% · $64,000
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

$320,000

$176 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,820 sq ft

Time on market

175 days

Year built

2026

Monthly payment

About $1,910/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $972 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

What should I offer?

Have another question?

Brokered byADAMS HOMES REALTY, INCListing agent: Natasha GrubbListing data from Stellar MLS, MLS# FC318024.

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