4 PONY LANE UNIT A & B, PALM COAST, FL, 32164
Active110 days on marketListed Apr 20, 2026MLS #FC317361
About this home
4 PONY LANE UNIT A & B
Investment opportunity awaits! This duplex offers two units, each featuring 2 bedrooms and 2 bathrooms. Unit B is currently rented for $1,550 per month with a lease in place through April 2027, providing immediate and stable income. A new A/C for Unit B was installed in June of 2025. The other unit "A" is vacant and ready for an owner-occupant or a new tenant to maximize rental potential. Unit A - A/C was replaced in May of 2022. The sale includes newer garage door openers and most appliances. It has been completely painted and partially fenced for your additional privacy. Located in an established neighborhood with strong rental appeal, this property is an excellent opportunity for investors or buyers looking to offset expenses with income production. The home features an original tile roof that has been well maintained and is in great condition. Whether you’re looking to expand your portfolio or live in one side while generating income from the other, this property checks all the boxes. Hurry to see today.
Facts & features
The home at a glance
4
Bedrooms
2,278
Sqft
0.23 ac
Lot size
2
Garage
2002
Year built
$175
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.
$3,165 /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
$3,165/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.
$/sqft vs PALM COAST SEC 28
$175 vs $202
Days on market
110 vs 49 typical
Where $175/sqft sits among the 15 homes for sale in PALM COAST SEC 28
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
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
1 of 15
PALM COAST SEC 28 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% above the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 4 PONY LANE UNIT A & B
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$395,000
4 PONCE DELEON DRIVE · same community
3 bd · 2 ba · 2,316 sqft · $171/sqft · 6 DOM
Sold · Jul ’26$333,000
4 PORTER PLACE · same community
3 bd · 2 ba · 2,084 sqft · $160/sqft · 42 DOM
Sold · Jan ’26$315,000
6 POTTERVILLE LANE · same community
4 bd · 2 ba · 1,875 sqft · $168/sqft · 195 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 4 PONY LANE UNIT A & B — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4 PONY LANE UNIT A & B — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4 PONY LANE UNIT A & B FAQs
What would the monthly payment be for 4 PONY LANE UNIT A & B?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,165/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 4 PONY LANE UNIT A & B?+
The most recent tax bill on record (2025) was $5,754. 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 $399,000, this home is priced right at the Palm Coast median.
Which schools are assigned to 4 PONY LANE UNIT A & B?+
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
01Positioned at the premium end
$399,000 runs 16% above the PALM COAST 32164 median — but at 2,278 sqft it's also 21% larger than the typical Palm Coast listing.
02Time on market is leverage
110 days on market against a Palm Coast median of 49 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $419,900, now $399,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY EXCHANGE, LLC · Julie Sabine. MLS #FC317361.
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 4 PONY LANE UNIT A & B 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 Zack to ping you on any price or status change →