
28 MONTAUK LANE, PALM COAST, FL, 32164
Pending159 days on marketListed Mar 5, 2026MLS #FC316674
About this home
28 MONTAUK LANE
Set within the established subdivision of The Hamptons located in Pine Lakes, this four-bedroom, two-and-a-half-bath pool home offers more than 2,100 square feet of comfortable Florida living on an oversized lot designed for both privacy and possibility. Blending everyday practicality with inviting outdoor spaces, the property presents a rare opportunity to enjoy the relaxed coastal lifestyle that has long defined this sought-after community. Approaching the home, mature landscaping and the generous proportions of the lot immediately set the tone. The residence sits comfortably back from the street, creating a sense of openness while leaving ample room for outdoor enjoyment. A wide driveway and welcoming entry lead inside to a floor plan that balances shared living spaces with private retreats. The interior unfolds into a spacious main living area where natural light filters through large windows, highlighting the home’s airy layout and comfortable scale. The design makes the home well suited for both casual family living and entertaining guests. Four well-proportioned bedrooms offer flexibility for growing families, visiting guests, or a dedicated home office, while the two full bathrooms and additional half bath ensure convenience throughout the home. Beyond the interior living space, the property truly shines outdoors. A large covered patio opens to a sparkling private pool that is SOLAR HEATED, creating an inviting setting for weekend gatherings, quiet morning coffee, or warm Florida evenings spent under the stars. The expansive patio area offers room for outdoor dining, lounging, and entertaining, while the oversized yard extends the possibilities for gardening, recreation, or future enhancements. A full sprinkler system helps maintain the lawn and landscaping with ease, keeping the property green and vibrant throughout the year. The oversized lot not only provides extra outdoor space but also enhances privacy, a feature increasingly valued in residential neighborhoods. Located within the well-established Pine Lakes subdivision, the home enjoys close proximity to local golf courses, parks, shopping, dining, and the beautiful Atlantic coastline just a short drive away. Residents appreciate the neighborhood’s quiet streets, mature surroundings, and convenient access to all that Palm Coast has to offer. The roof installed in 2014, A/C system 2025. Water heater 2021. The home is also equipped with an alarm system hookup, offering the option for enhanced security. Comfortable in scale yet generous in outdoor living, this pool home presents a compelling blend of location, space and inviting place to settle into the easy rhythm of life in Palm Coast.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,105
Sqft
0.39 ac
Lot size
2
Garage
1995
Year built
One
Levels
$190
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 and the real association fee — not generic estimates.
$3,097 /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
$3,097/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
−6.6%
Days on market
159 vs 49 typical
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
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
$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 18% above the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
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
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 28 MONTAUK LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28 MONTAUK LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
28 MONTAUK LANE FAQs
What would the monthly payment be for 28 MONTAUK LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,097/mo — principal and interest, the actual property-tax bill, the $111/mo association fee 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.
How much are the HOA fees at 28 MONTAUK LANE?+
The association fee works out to $111 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 28 MONTAUK LANE?+
The most recent tax bill on record (2025) was $3,537. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 28 MONTAUK LANE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $399,900, this home is priced right at the Palm Coast median.
Which schools are assigned to 28 MONTAUK 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
$399,900 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.
03Time on market is leverage
159 days on market against a Palm Coast median of 49 — sellers in this position are usually ready to negotiate.
Listing courtesy of KELLER WILLIAMS RLTY FL. PARTN · Carl Lilavois. MLS #FC316674.
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.
Never miss a listing
New Palm Coast homes, in your inbox
Like 28 MONTAUK LANE but not quite? A daily digest of every new listing in Palm Coast — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Erwin to ping you on any price or status change →