54 PONY EXPRESS DRIVE, PALM COAST, FL, 32164
Active99 days on marketListed Apr 24, 2026MLS #FC318024
About this home
54 PONY EXPRESS DRIVE
Under Construction. $1,000 escrow deposit and when using one of our lender partners, we will pay a portion of closing costs. Saving thousands of dollars at the closing table. This 1820 sqft brick home in the Pine Lakes area of Palm Coast is a 4-bed, 2-bath beauty is just minutes from beaches, shopping, schools, and restaurants. Imagine this home having high ceilings, a formal dining room, and a spacious great room to create a vision of modern living and everyday comfort. Smart features like stainless steel Whirlpool appliances, energy-efficient double-pane windows with easy-clean fold-in design and a built-in Pest Home Defense system show the value of a thoughtful design. The owner’s suite sets the example of luxury, with a large walk-in closet, ceiling fan, and a spa-like bath featuring double sinks and sleek MOEN nickel faucets. Enjoy a covered back patio, extending your living space outdoors — perfect for morning coffee, evening gatherings, or quiet moments of relaxation. With warranties that protect your investment (1-year builder, 2-year mechanical, 10-year structural), you can truly own peace of mind along with your dream home. This home isn’t just built — it’s designed to bring your vision to life, teach the value of smart living, set the example for comfort, and give you the chance to own it all.. Photos are not of home
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,820
Sqft
0.23 ac
Lot size
2
Garage
2026
Year built
One
Levels
$193
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.
$2,462 /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
$2,462/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
+0.2%
$/sqft vs PALM COAST SEC 28
$193 vs $209
Days on market
99 vs 47 typical
Where $193/sqft sits among the 11 homes for sale in PALM COAST SEC 28
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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
1 of 11
PALM COAST SEC 28 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% 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 54 PONY EXPRESS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$320,000
47 PHEASANT DRIVE · same community
3 bd · 2 ba · 1,823 sqft · $176/sqft · 43 DOM
Sold · Jun ’26$334,990
77 PHEASANT DRIVE · same community
4 bd · 2 ba · 1,801 sqft · $186/sqft · 126 DOM
Sold · Aug ’25$265,000
19 POTTERS LANE · same community
3 bd · 2 ba · 1,839 sqft · $144/sqft · 23 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 54 PONY EXPRESS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 54 PONY EXPRESS DRIVE — 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
54 PONY EXPRESS DRIVE FAQs
What would the monthly payment be for 54 PONY EXPRESS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,462/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 54 PONY EXPRESS DRIVE?+
The most recent tax bill on record (2025) was $972. 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 $350,900, this home is listed about 11% below the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 54 PONY EXPRESS DRIVE?+
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 ADAMS HOMES REALTY, INC · Natasha Grubb. MLS #FC318024.
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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