Steeve Cadeau
$400,000$404,9003 bd2.5 ba1,845 sqft$217 /sqft$2,830 /mo all-in ↓

31 WENDOVER LANE, PALM COAST, FL, 32164

Active24 days on marketListed Jul 1, 2026MLS #FC319629

Reduced $5KPrivate poolSingle Family ResidencePALM COAST SEC 21

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About this home

31 WENDOVER LANE

Welcome to this beautiful 3-bedroom, 2.5-bathroom Colonial-style home nestled in the highly desirable Pine Lakes subdivision. Built by Palm Coast Construction on a 0.24-acre lot, this 1,845 sq. ft. residence offers a functional layout and distinct architectural details. From the pale-yellow wood siding to the fenced front courtyard entry, this property provides excellent curb appeal. Interior & Living Spaces: The main level features an inviting flow with a combination of laminate, ceramic tile, and carpet flooring. The open kitchen is a chef's delight, complete with solid wood cabinetry accented by glass-front upper doors, a full stainless-steel appliance package (range, microwave, refrigerator, and dishwasher), and a multi-level island with a breakfast bar that opens directly to the family room and den areas. The spacious living room is highlighted by a cozy tile-surround fireplace, and custom floor-to-ceiling wood built-ins. Adjacent to the kitchen, the bright dining area features classic French doors that open out to the backyard patio. Upper-Level Accommodations & Bonus Space: All bedrooms, including the spacious primary bedroom suite, are located on the second floor to maximize privacy from the main living spaces. In addition to the three bedrooms, there is also a Bonus Room, giving you added flexibility. The home is equipped with a heat pump and a zoned central air conditioning system for energy-efficient, year-round temperature control. This climate-controlled system also extends to a dedicated private office space, conveniently accessed directly from the garage. Outdoor Features & Bonus Structures: The private backyard serves as a true outdoor retreat perfectly designed for recreation and utility. Enjoy sunny days cooling off in the in-ground pool, which is surrounded by a spacious patio and rear porch area, or relax under the shade of three beautiful pergolas. For extra utility, the home features a 10x10 built-in shed situated directly behind the office space, alongside a spacious attached 2-car garage providing ample space for parking and storage.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

1,845

Sqft

0.24 ac

Lot size

2

Garage

1986

Year built

Two

Levels

$217

Per sqft

Private poolFireplace

Inside

FlooringCarpet · Ceramic Tile · Laminate
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Living Room/Dining Room Combo · PrimaryBedroom Upstairs · Solid Wood Cabinets · Thermostat · Window Treatments
LaundryLaundry Room
CoolingCentral Air · Zoned
HeatingHeat Pump

Outside & construction

RoofShingle
ConstructionWood Frame · Wood Siding
FoundationSlab
FacesNorth
ExteriorFrench Doors · Private Yard · Storage

Community & fees

Taxes (2025)$1,657/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Fiber Optics · Fire Hydrant · Phone Available · Public · Sewer Available · Sewer Connected · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,830 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,355
FHA mortgage insurance (est.)$177
Property tax — 2025 actual bill$138
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,000
Interest rate6.00%
Loan term

Estimated payment

$2,830/mo

Principal & interest$2,355
FHA mortgage insurance (est.)$177
Property taxes (actual bill)$138
Est. insurance$160

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.

List $400K
$384KedgeAI estimate $524,684 · range $416K$703K$731K

vs edgeAI estimate

−23.8%

$/sqft vs Palm Coast actives

$217 vs $222

Days on market

24 vs 47 typical

Where $217/sqft sits among the 400 Palm Coast actives

178
93 · this home
39
36
19
35
$157–212$212–268$268–323$323–378$378–433$433+

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

Map of 31 WENDOVER LANE inside its neighborhood boundary

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

MiddleBuddy Taylor Middle School★★★★★
ElementaryRymfire Elementary School★★★★★
HighFlagler-Palm Coast High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketBalanced5.8 months of inventoryBuyer’s market

$353K$373K

Palm Coast median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

176 of 400

Palm Coast actives have cut their price

Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 18% above the PALM COAST 32164 median. See the full Palm Coast market guide →

Paper trail

This home's history

CurrentPrice reduced to $400,000 $5K
Jul 1, 2026Listed at $404,900 · 24 days on market since
1986Built · PALM COAST SEC 21

Reality check

What actually sold near 31 WENDOVER LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

28 WELLER LANESold · Oct ’25

$277,000

28 WELLER LANE · same community

3 bd · 2 ba · 1,849 sqft · $150/sqft · 85 DOM

20 WELLFORD LANESold · Sep ’25

$369,900

20 WELLFORD LANE · same community

4 bd · 2 ba · 1,800 sqft · $206/sqft · 323 DOM

18 WELLESLEY LANESold · Mar ’26

$300,000

18 WELLESLEY LANE · same community

3 bd · 2 ba · 1,741 sqft · $172/sqft · 99 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 31 WENDOVER LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 31 WENDOVER 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.

Goes straight to Steeve’s phone and CRM.

Straight answers

31 WENDOVER LANE FAQs

What would the monthly payment be for 31 WENDOVER LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,830/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 31 WENDOVER LANE?+

The most recent tax bill on record (2025) was $1,657. 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 $400,000, this home is listed about 1% 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 31 WENDOVER 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

$400,000 runs 18% above the PALM COAST 32164 median.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03The price has already moved

Listed at $404,900, now $400,000 — a $5K cut. The full history is in the market section below.

Listing courtesy of COLDWELL BANKER PREMIER PROPERTIES · Joe Orban, Jr. MLS #FC319629.

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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