14 WHETSTONE LANE, PALM COAST, FL, 32164
Active168 days on marketListed Feb 7, 2026MLS #FC315784
About this home
14 WHETSTONE LANE
MOTIVATED SELLERS – RELOCATING! Welcome to this one-of-a-kind custom home in the highly sought-after Pine Lakes neighborhood of Palm Coast! This spacious 4-bedroom, 3.5-bath residence offers a flexible layout ideal for large or growing families, with a significant addition completed in 2011 that expands the home’s living options. The main level features two generous living areas, a wood-burning fireplace with custom built-ins, two bedrooms, 1.5 baths, and an updated kitchen with a large island and farmhouse sink—perfect for everyday living and entertaining. Multiple flex spaces provide room for a home office, playroom, gym, or guest space. Upstairs, the oversized primary suite offers dual walk-in closets, a spa-style bath, and a private balcony overlooking the fenced backyard. Additional features include a covered patio, abundant storage, second-floor laundry/utility room, NEW ROOF (2022), serviced HVAC systems, fresh exterior paint, and a sealed driveway. Conveniently located near schools, golf, shopping, dining, parks, I-95, Flagler Beach, St. Augustine, and Daytona Beach. A rare Pine Lakes opportunity with space, flexibility, and value—schedule your private showing today! 12x24 saltwater pool design shown for example only. Pool is not included in list price. Pool package is available separately
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,668
Sqft
0.24 ac
Lot size
2
Garage
2004
Year built
Two
Levels
$127
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.
$3,611 /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
$3,611/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.
$/sqft vs PALM COAST SEC 23
$127 vs $187
Days on market
168 vs 47 typical
Where $127/sqft sits among the 10 homes for sale in PALM COAST SEC 23
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 Lakes
Get to know Palm Coast. See the full Palm Coast guide →
Pine Lakes — neighborhood snapshot
Population
12,061
Median age
54
Median income
$75,387
Median home value
$315,200
Avg household
2
Households w/ children
868
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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
4 of 10
PALM COAST SEC 23 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% above the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 14 WHETSTONE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$410,000
21 WHITTINGHAM LANE · same community
4 bd · 2.5 ba · 2,917 sqft · $141/sqft · 99 DOM
Sold · Nov ’25$425,000
26 WHITE FEATHER LANE · same community
4 bd · 3 ba · 2,465 sqft · $172/sqft · 7 DOM
Sold · Dec ’25$389,000
9 WHITNEY PLACE · same community
4 bd · 2.5 ba · 2,352 sqft · $165/sqft · 88 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 14 WHETSTONE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14 WHETSTONE LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
14 WHETSTONE LANE FAQs
What would the monthly payment be for 14 WHETSTONE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,611/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 14 WHETSTONE LANE?+
The most recent tax bill on record (2025) was $6,098. 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 $464,999, this home is listed about 18% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 14 WHETSTONE LANE?+
Buddy Taylor Middle School (middle), Rymfire Elementary School (elementary), Flagler-Palm Coast High School (high) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$464,999 runs 37% above the PALM COAST 32164 median — but at 3,668 sqft it's also nearly twice the size of the typical Palm Coast listing.
02Time on market is leverage
168 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $528,000, now $464,999 — a $63K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ATLANTIC COASTAL REAL ESTATE · Amy Taylor. MLS #FC315784.
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.
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