

Overview
Ask anything about this home
Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
About this home
39 Pepper Ln is a 1993-built home in Southwest Quadrant Ph 01-04, Palm Coast. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,787 square feet of living space. Listed at $319,000 (about $179/sqft), 25 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.
39 Pepper Ln, Palm Coast, FL is a well-maintained home in Palm Coast’s southwest quadrant offering convenient access to Belle Terre Pkwy, SR 100, I-95, shopping, medical services, and the area’s extensive paved walking and biking trails. The home features 1,787 heated square feet and 2,575 total square feet, including a 270 sq ft screened porch for outdoor living and a covered front entry. A 21x23 two-car garage adds valuable space for parking, storage, or a workshop area, along with a private laundry/service access area. Roof 2023, HVAC 2022, complete house Water filtration system installed, valued over $6,000. Both bathrooms have been beautifully updated with current finishes, including a primary bath with an overhead rain shower, porcelain flooring, and a marble double-sink vanity. The home offers a split-bedroom layout that provides privacy for larger households, with bedrooms and full baths positioned on opposite sides of the home. High ceilings and natural light enhance the open feel throughout. Two sliding doors, one from the primary bedroom and one from the kitchen — open to the screened lanai, creating easy indoor-outdoor flow. The backyard offers a quiet setting with mature trees surrounding the rear of the property, adding a sense of privacy and leaving room for future landscaping or a pool, if desired. Flood Zone X means no lender-required flood insurance. City water and city sewer are in place. Flagler Beach and the Atlantic Ocean are approximately 20 minutes east, with St. Augustine about 35 minutes and Daytona Beach about 40 minutes away. All information deemed reliable but not guaranteed. Buyer and buyer’s agent to verify all measurements, taxes, and property details. Taxes shown reflect the current owner’s homestead exemption and will reset upon transfer.
Request documents
Free. Tap one and our team sends it over.
The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
Choose an offer strength
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 teamCalculator
Not sure what you can afford?
Put in your household income and we will tell you where this payment sits.
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
$319,000
$179 per sq ft
Beds and baths
3 beds, 2 baths
Size
1,787 sq ft
Time on market
25 days
Year built
1993
Monthly payment
About $2,006/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,186 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?
Keep exploring Florida
Pick up where you left off, or see what else is out there.







