20 PONY LANE, PALM COAST, FL, 32164
Active434 days on marketListed May 29, 2025MLS #FC310098
About this home
20 PONY LANE
Reduced to be sold .High and Dry excellent duplex lot! Rectangular shape 80 x 125. Ready to build.
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$681 /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
$681/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.
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 78% 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 20 PONY 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$220,000
13 POST OAK LANE · same community
2 bd · 2 ba · 1,058 sqft · $208/sqft · 86 DOM
Sold · Dec ’25$275,000
16 POWDER HILL LANE · same community
3 bd · 2 ba · 1,075 sqft · $256/sqft · 219 DOM
Sold · May ’26$315,000
10 POINSETTIA LANE · same community
3 bd · 2 ba · 1,284 sqft · $245/sqft · 19 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
Gianfranco Di Flumeri Petrelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 20 PONY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20 PONY LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20 PONY LANE FAQs
What would the monthly payment be for 20 PONY LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $681/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 20 PONY LANE?+
The most recent tax bill on record (2024) was $565. 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 $74,900, this home is listed about 81% 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 20 PONY 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.
The brief
Three things that matter here
01Under the PALM COAST 32164 market on paper
$74,900 is 78% below the PALM COAST 32164 median of $340,000.
02Time on market is leverage
434 days on market against a Palm Coast median of 50 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $84,900, now $74,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PALM COAST MARKETING · Aleksandr Samurin. MLS #FC310098.
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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