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Overview

3 bd2 ba1,787 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1993
Lot10,672 sqft
Living area1,787 sqft
Price / sqft$179
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenPrimary Bedroom Main FloorThermostatWalk-in Closet(s)Window TreatmentsPrivate MailboxRain Gutters

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.

From the listing

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.

The essentials

Built
1993
Price / sqft
$179
On market
25 days
Annual tax
$2,186
Flood zone
X · Low risk
Lot
10,672 sqft
Type
Single Family Residence

At a glance

Single family
Built 1993
2 car garage
Garage Door Opener
10,672 sqft lot
Lot size
1,787 sqft
Living area

Payment

Est. monthly payment
$2,006/mo
Down payment (20%)
$63,800
Property taxes
$182/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1993
Lot
10,672 sqft
Cooling
Central Air
Heating
Electric
Parking
Garage Door Opener, Other
Days on Market
25
Ceiling Fans(s)
Eat-in Kitchen
Primary Bedroom Main Floor
Thermostat
Walk-in Closet(s)
Window Treatments
Private Mailbox
Rain Gutters
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Water Filtration System
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.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,186
Parcel #
07-11-31-7025-00330-0060

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
Southwest Quadrant Ph 01-04
County
Flagler
MLS Area
32164 - Palm Coast
Lot Size
10,672 sqft
ClearedCity LimitsLandscapedPaved

Price history

Date
Event
Price
9/15/2026
Listed for sale
Source: Stellar MLS #FC321459
$319,000
$179/sqft

Neighborhood

39 Pepper Ln
Palm Coast, FL, 32164 · 32164 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $319,000
$317,500 – $319,000
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 25.

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
$2,005/mo
Principal & interest$1,664
Property taxes$182
Insurance$160
Down payment20% · $63,800
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

$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?

Brokered byGRAND LIVING REALTYListing agent: Corinne WallstenListing data from Stellar MLS, MLS# FC321459.

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