65 WHISPERING PINE DRIVE, PALM COAST, FL, 32164
Active161 days on marketListed Feb 23, 2026MLS #FC316421
About this home
65 WHISPERING PINE DRIVE
Discover the perfect opportunity to build your dream home on this vacant lot in the highly sought-after Pine Lakes neighborhood of Palm Coast. This oversized lot offers exceptional space and privacy which is a rare find compared to standard lots in the area. Ideally situated in the heart of town, you’ll enjoy convenient access to shopping, dining, schools, and everyday essentials. Plus, you’re less than 20 minutes from the beautiful shores of Flagler Beach, making it easy to enjoy coastal living whenever you please. There's no time limit to build, your choice of builder, and there is no HOA. Floor plans for this lot available.
Facts & features
The home at a glance
0.34 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.
$579 /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
$579/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 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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% 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 65 WHISPERING PINE DRIVE
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$309,900
103 WHIPPOORWILL DRIVE · same community
3 bd · 2 ba · 1,462 sqft · $212/sqft · 205 DOM
Sold · Feb ’26$305,000
21 WHEELER LANE · same community
3 bd · 2 ba · 1,463 sqft · $208/sqft · 166 DOM
Sold · Aug ’25$365,000
7 WHITE OAK LANE · same community
3 bd · 2 ba · 1,518 sqft · $240/sqft · 63 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
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 65 WHISPERING PINE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 65 WHISPERING PINE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
65 WHISPERING PINE DRIVE FAQs
What would the monthly payment be for 65 WHISPERING PINE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $579/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 65 WHISPERING PINE DRIVE?+
The most recent tax bill on record (2025) was $627. 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 $58,000, this home is listed about 85% 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 65 WHISPERING PINE DRIVE?+
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
01Under the PALM COAST 32164 market on paper
$58,000 is 83% below the PALM COAST 32164 median of $339,990.
02Time on market is leverage
161 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 $73,500, now $58,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLAGLER REALTY PROFESSIONALS LLC · Ellie Hansen. MLS #FC316421.
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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