31 PINE CEDAR DRIVE, PALM COAST, FL, 32164
Active473 days on marketListed Apr 16, 2025MLS #C7508725
About this home
31 PINE CEDAR DRIVE
MOVE IN READY! HOME IS COMPLETE and AVAILABLE! The ROYAL floor plan has four bedrooms, two full bathrooms, a two-car garage, and 1,806 square feet of living space. The great room is spacious and accommodating. A beautiful walk-around island is conveniently located between the great room and the kitchen making it a gathering place for both rooms. Three bedrooms are on one side of the home and the owner's suite is on the other side. This new home includes one full year of builder's transferable warranty coverage and a 10-year limited structural warranty.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,806
Sqft
0.24 ac
Lot size
2
Garage
2025
Year built
One
Levels
$176
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.
$2,214 /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
$2,214/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
−7.2%
$/sqft vs Palm Coast actives
$176 vs $218
Days on market
473 vs 47 typical
Where $176/sqft sits among the 400 Palm Coast actives
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)
167 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 6% 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 31 PINE CEDAR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$319,990
76 PINE CIRCLE DRIVE · same community
4 bd · 2 ba · 1,806 sqft · $177/sqft · 353 DOM
Sold · Dec ’25$319,990
197 PINE GROVE DRIVE · same community
4 bd · 2 ba · 1,806 sqft · $177/sqft · 408 DOM
Sold · Jan ’26$299,888
11 PINEAPPLE DRIVE · same community
4 bd · 3 ba · 1,774 sqft · $169/sqft · 142 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 31 PINE CEDAR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 31 PINE CEDAR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
31 PINE CEDAR DRIVE FAQs
What would the monthly payment be for 31 PINE CEDAR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,214/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 PINE CEDAR DRIVE?+
The most recent tax bill on record (2024) was $497. 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 $317,990, this home is listed about 19% 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 31 PINE CEDAR 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.
The brief
Three things that matter here
01Under the PALM COAST 32164 market on paper
$317,990 is 6% below the PALM COAST 32164 median of $339,990, and at $176/sqft it sits under the Palm Coast average of $257.
02Time on market is leverage
473 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 $331,990, now $317,990 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOLIDAY BUILDERS GULF COAST · Trish Lohela. MLS #C7508725.
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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