50 PEPPER LANE, PALM COAST, FL, 32164
Active31 days on marketListed Aug 21, 2026MLS #FC320871
About this home
50 PEPPER LANE
Built in 2019, this beautiful 3-bedroom, 2-bathroom concrete block home with an oversized 2-car garage sits on a spacious corner lot. The home is powered by solar energy, with the current owner reporting electric bills of approximately $30 per month. Step inside to soaring 12-foot ceilings, luxury vinyl plank flooring throughout, and a bright, open-concept floor plan ideal for everyday living and entertaining. The spacious kitchen opens to the living area and features wood cabinetry, stainless steel appliances, a large center island, and a generous breakfast nook. An open formal dining area provides additional space for gatherings. The split-bedroom floor plan offers privacy, with a beautiful primary suite featuring a tray ceiling, large walk-in closet, and a luxurious bathroom with an oversized walk-in shower, dual vanities, and granite countertops. The secondary bedrooms are also comfortably sized. Enjoy the large covered porch overlooking the oversized backyard, with plenty of room to add a pool, playground, garden, or outdoor entertainment area. Conveniently located near shopping, dining, beautiful beaches, miles of biking and hiking trails, and Palm Coast’s tennis and pickleball centers. Easy to show—and even easier to fall in love with!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,862
Sqft
0.3 ac
Lot size
2
Garage
2019
Year built
One
Levels
$188
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.
$2,683 /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
$2,683/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
+2.5%
$/sqft vs BELLE TERRE
$188 vs $237
Days on market
31 vs 48 typical
Where $188/sqft sits among the 11 homes for sale in BELLE TERRE
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 Belle Terre
Get to know Palm Coast. See the full Palm Coast guide →
Belle Terre — neighborhood snapshot
Population
5,687
Median age
48
Median income
$62,936
Median home value
$295,367
Avg household
3
Households w/ children
517
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)
3 of 11
BELLE TERRE have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% 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 50 PEPPER LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$293,000
10 PEBBLETON PLACE · same community
3 bd · 2 ba · 1,857 sqft · $158/sqft · 5 DOM
Sold · Jun ’26$300,000
77 PEBBLE BEACH DRIVE · same community
4 bd · 2 ba · 1,780 sqft · $169/sqft · 86 DOM
Sold · Dec ’25$600,000
219 PARK CIRCLE S · same community
2 bd · 2 ba · 1,961 sqft · $306/sqft · 133 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 50 PEPPER LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 50 PEPPER LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
50 PEPPER LANE FAQs
What would the monthly payment be for 50 PEPPER LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,683/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 50 PEPPER LANE?+
The most recent tax bill on record (2025) was $3,702. 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 $349,900, this home is listed about 13% 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 50 PEPPER LANE?+
Lewis E. Wadsworth Elementary (elementary), Buddy Taylor Middle School (middle), 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 VIRTUAL HOMES REALTY · Alina Pekarsky. MLS #FC320871.
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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