10 Pontiac Ln, photo 1
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Overview

8 bd4 ba3,048 sqft2 car garageDuplex
TypeDuplex
HOANone listed
Built2022
Lot10,019 sqft
Living area3,048 sqft
Price / sqft$184
Garage2 car

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

About this home

Cathedral Ceiling(s)Coffered Ceiling(s)Kitchen/Family Room ComboPrimary Bedroom Main FloorSolid Surface CountersStone CountersThermostatWalk-in Closet(s)

10 Pontiac Ln is a 2022-built home in Palm Coast Sec 28, Palm Coast. Inside you'll find 8 bedrooms, 4 bathrooms, and 3,048 square feet of living space. Listed at $559,900 (about $184/sqft), 147 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

One or more photo(s) has been virtually staged. Seller willing to cooperate 1 point towards Buyers closing costs/buy down rate and Cross Country Mortgage-Jaime Aguayo (preferred lender) will cooperate with another 1 point. if Buyer decides to use financing. LARGE SPACIOUS DUPLEX WITH LONG-TERM TENANT – GREAT LOCATION | NO HOA. This generously sized duplex is located in a desirable Palm Coast location near schools, shopping, dining, major roadways, and just minutes from the beach. Each unit features 4 bedrooms, 2 bathrooms, a 2-car garage, and an inside laundry room. Spacious living rooms with soaring vaulted ceilings, creating an open and airy feel. The open-concept kitchen includes a large pantry, beautiful cabinetry, granite countertops, and overlooks the living area. BOTH units have stainless steel appliances including refrigerator, range, microwave, dishwasher, clothes washer, and dryer are all included. Vertical blinds are also included throughout the property. Fully tiled side A and B Duplex. Washer and dryers included in both units. Electric and water are separately metered, with utilities paid directly by tenants — helping keep owner expenses low. INCOME INFORMATION: Total Projected Gross Monthly Income: $3,770/month Projected Annual Gross Income: $45,240 Unit A: Currently leased at $1,885/month Lease expiration: August 31, 2026 Unit B: Recently vacated Projected rent: $1,885/month Approximate Annual Expenses: • Lawn Care: $1,200 • Property Taxes: Approximately $8,000 • Insurance: Approximately $1,800 Approximate Net Annual Income: $34,308 ***SPECIAL BUYER INCENTIVE: Professional Property Management INCLUDED for 1 full year through The Cavalieri Property Management. Schedule your private showing today.

The essentials

Built
2022
Price / sqft
$184
On market
147 days
Annual tax
$7,332
Flood zone
X · Low risk
Lot
10,019 sqft
Type
Duplex

At a glance

Multi-family
Built 2022
2 car garage
10,019 sqft lot
Lot size
3,048 sqft
Living area

Payment

Est. monthly payment
$3,811/mo
Down payment (20%)
$111,980
Property taxes
$611/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Duplex
Year Built
2022
Lot
10,019 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
147
Cathedral Ceiling(s)
Coffered Ceiling(s)
Kitchen/Family Room Combo
Primary Bedroom Main Floor
Solid Surface Counters
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Private Mailbox
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Washer
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)
$7,332
Parcel #
07-11-31-7028-00130-0130

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
7/15/2026
Price change
Source: Stellar MLS #O6408520
$559,900-3.4%
$184/sqft
5/16/2026
Listed for sale
Source: Stellar MLS #O6408520
$579,900
$190/sqft

Neighborhood

10 Pontiac Ln
Palm Coast, FL, 32164 · 32164 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $559,900
$555,000 – $559,900
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 147 after a $20,000 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
$3,811/mo
Principal & interest$2,920
Property taxes$611
Insurance$280
Down payment20% · $111,980
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

$559,900

$184 per sq ft

Beds and baths

8 beds, 4 baths

Size

3,048 sq ft

Time on market

147 days

Year built

2022

Monthly payment

About $3,811/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,332 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 byTHE CAVALIERI GROUP REALTY LLCListing agent: Katty CavalieriListing data from Stellar MLS, MLS# O6408520.

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