45 WHITE HALL DRIVE, PALM COAST, FL, 32164
Active63 days on marketListed Jun 5, 2026MLS #FC318989
About this home
45 WHITE HALL DRIVE
Pine Lakes! This beautiful flag lot has hard wood trees and backs up to a freshwater canal. If you're looking for privacy this lot is perfect. Close by amenities include Pine lakes golf course, shopping, medical offices, restaurants and more
Facts & features
The home at a glance
0.3 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.
$686 /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
$686/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
$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 45 WHITE HALL 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 45 WHITE HALL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 45 WHITE HALL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
45 WHITE HALL DRIVE FAQs
What would the monthly payment be for 45 WHITE HALL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $686/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 45 WHITE HALL DRIVE?+
The most recent tax bill on record (2025) was $618. 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 $75,000, 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 45 WHITE HALL 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.
Keep looking
Similar homes nearby
Listing courtesy of CLARION GROUP, INC. · Cynthia Bassett. MLS #FC318989.
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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