39 PINWHEEL LANE, PALM COAST, FL, 32164
Pending9 days on marketListed Jul 29, 2026MLS #FC320202
About this home
39 PINWHEEL LANE
Virtually Staged. Fenced Yard Coming Soon! Well-maintained 3-bedroom, 2-bath home located in the desirable Pine Grove neighborhood, conveniently close to schools, shopping, dining, and everyday amenities. This thoughtfully designed home features a bright, open floor plan with a split-bedroom layout, providing both functionality and privacy. Enjoy the peaceful setting with lots of woods on both sides and a spacious backyard featuring a large screened lanai—perfect for relaxing or entertaining. Major updates provide peace of mind, including a new water heater (2026), dishwasher (2025), roof (2021).. Move-in ready and waiting for its next owner! Seller will have a new PVC fence installed prior to closing.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,492
Sqft
0.25 ac
Lot size
2
Garage
2004
Year built
One
Levels
$180
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,204 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,204/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−8.4%
$/sqft vs PALM COAST SEC 26
$180 vs $206
Days on market
9 vs 50 typical
Where $180/sqft sits among the 15 homes for sale in PALM COAST SEC 26
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Pine Grove
Get to know Palm Coast. See the full Palm Coast guide →
Pine Grove — neighborhood snapshot
Population
7,145
Median age
44
Median income
$64,413
Median home value
$292,692
Avg household
3
Households w/ children
803
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Coast market
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
9 of 15
PALM COAST SEC 26 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% below the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 39 PINWHEEL LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$290,000
105 PINE GROVE DRIVE · same community
3 bd · 2 ba · 1,488 sqft · $195/sqft · 100 DOM
Sold · Oct ’25$260,000
19 PINE HILL LANE · same community
3 bd · 2 ba · 1,507 sqft · $173/sqft · 65 DOM
Sold · Mar ’26$254,000
119 PINE GROVE DRIVE · same community
3 bd · 2 ba · 1,442 sqft · $176/sqft · 38 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Ricardo Ramirez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 39 PINWHEEL LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39 PINWHEEL LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Ricardo's phone and CRM.
Straight answers
39 PINWHEEL LANE FAQs
What would the monthly payment be for 39 PINWHEEL LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,204/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 39 PINWHEEL LANE?+
The most recent tax bill on record (2025) was $4,102. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Coast?+
At $269,000, this home is listed about 33% below the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 39 PINWHEEL LANE?+
Buddy Taylor Middle School (middle), Lewis E. Wadsworth Elementary (elementary), Flagler-Palm Coast High School (high) — Flagler County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SELBY GROUP · Melanie Provencher. MLS #FC320202.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Palm Coast homes, in your inbox
Like 39 PINWHEEL LANE but not quite? A daily digest of every new listing in Palm Coast — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Ricardo to ping you on any price or status change →