
39 PEPPER LANE, PALM COAST, FL, 32164
Active10 days on marketListed Sep 30, 2026MLS #FC321459
About this home
39 PEPPER LANE
39 Pepper Ln, Palm Coast, FL is a well-maintained home in Palm Coast’s southwest quadrant offering convenient access to Belle Terre Pkwy, SR 100, I-95, shopping, medical services, and the area’s extensive paved walking and biking trails. The home features 1,787 heated square feet and 2,575 total square feet, including a 270 sq ft screened porch for outdoor living and a covered front entry. A 21x23 two-car garage adds valuable space for parking, storage, or a workshop area, along with a private laundry/service access area. Roof 2023, HVAC 2022, complete house Water filtration system installed, valued over $6,000. Both bathrooms have been beautifully updated with current finishes, including a primary bath with an overhead rain shower, porcelain flooring, and a marble double-sink vanity. The home offers a split-bedroom layout that provides privacy for larger households, with bedrooms and full baths positioned on opposite sides of the home. High ceilings and natural light enhance the open feel throughout. Two sliding doors, one from the primary bedroom and one from the kitchen — open to the screened lanai, creating easy indoor-outdoor flow. The backyard offers a quiet setting with mature trees surrounding the rear of the property, adding a sense of privacy and leaving room for future landscaping or a pool, if desired. Flood Zone X means no lender-required flood insurance. City water and city sewer are in place. Flagler Beach and the Atlantic Ocean are approximately 20 minutes east, with St. Augustine about 35 minutes and Daytona Beach about 40 minutes away. All information deemed reliable but not guaranteed. Buyer and buyer’s agent to verify all measurements, taxes, and property details. Taxes shown reflect the current owner’s homestead exemption and will reset upon transfer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,787
Sqft
0.24 ac
Lot size
2
Garage
1993
Year built
One
Levels
$179
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.
$2,361 /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
$2,361/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
+15.4%
$/sqft vs SOUTHWEST QUADRANT PH 01-04
$179 vs $206
Days on market
10 vs 73 typical
Where $179/sqft sits among the 16 homes for sale in SOUTHWEST QUADRANT PH 01-04
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)
11 of 16
SOUTHWEST QUADRANT PH 01-04 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% 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 39 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 · May ’26$340,000
31 PALM LEAF LANE · same community
4 bd · 2 ba · 1,806 sqft · $188/sqft · 2 DOM
Sold · Feb ’26$245,000
39 PERTHSHIRE LANE · same community
3 bd · 2 ba · 1,764 sqft · $139/sqft · 0 DOM
Sold · Feb ’26$385,000
74 PLAIN VIEW DRIVE · same community
3 bd · 2 ba · 1,704 sqft · $226/sqft · 18 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 39 PEPPER LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39 PEPPER LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
39 PEPPER LANE FAQs
What would the monthly payment be for 39 PEPPER LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,361/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 39 PEPPER LANE?+
The most recent tax bill on record (2025) was $2,186. 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 39 PEPPER 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 $319,000, this home is listed about 18% below the Palm Coast median of $389,990. The market section on this page shows how the area is trending.
Which schools are assigned to 39 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 GRAND LIVING REALTY · Corinne Wallsten. MLS #FC321459.
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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