7 PENINSULA LANE, PALM COAST, FL, 32164
Pending142 days on marketListed Mar 19, 2026MLS #V4947999
About this home
7 PENINSULA LANE
Welcome to this beautifully updated 3-bedroom, 2-bath home nestled on a spacious, tree-lined lot, offering open living spaces, modern finishes, a peaceful wooded setting, and a new roof in 2023. Inside, you'll find a bright, open interior enhanced by vaulted ceilings, clean contemporary finishes, and abundant natural light streaming through sliding glass doors that seamlessly connect indoor and outdoor living spaces. The kitchen features granite countertops, stainless steel appliances, shaker-style cabinetry, and a sleek tile backsplash. Its efficient layout opens to the dining area, creating a natural flow ideal for casual meals or entertaining guests. The spacious primary suite offers a peaceful retreat, complete with soft natural light. The en-suite bath features a dual-sink vanity with an illuminated mirror, soaking tub, separate glass-enclosed shower, and an oversized walk-in closet. Two additional bedrooms provide flexibility for family, guests, or a home office, and the second bathroom showcases modern finishes, including a sleek vanity, vessel sink, illuminated mirror, and glass-enclosed shower. Step outside to enjoy the covered patio, perfect for relaxing, grilling, or hosting gatherings while overlooking the peaceful backyard. Surrounded by mature trees, the outdoor space provides a sense of privacy and tranquility. With no HOA, this property offers added flexibility for homeowners, including room for recreational vehicles, boats, or additional personalization. Conveniently located near parks, shopping, dining, and everyday amenities, this home provides the perfect balance of privacy, comfort, and accessibility. All information recorded in the MLS is intended to be accurate but cannot be guaranteed.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,446
Sqft
0.25 ac
Lot size
2
Garage
2004
Year built
One
Levels
$193
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.
$2,310 /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
$2,310/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
−0.3%
$/sqft vs Palm Coast actives
$193 vs $219
Days on market
142 vs 49 typical
Where $193/sqft sits among the 400 Palm Coast actives
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)
168 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% 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 7 PENINSULA LANE
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$308,275
25 PENINSULA LANE · same community
3 bd · 2 ba · 1,719 sqft · $179/sqft · 84 DOM
Sold · Apr ’26$316,900
40 PRIVACY LANE
3 bd · 2 ba · 1,463 sqft · $217/sqft · 273 DOM
Sold · Mar ’26$262,000
7 PRESIDENTIAL LANE
3 bd · 2 ba · 1,463 sqft · $179/sqft · 224 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 7 PENINSULA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7 PENINSULA LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
7 PENINSULA LANE FAQs
What would the monthly payment be for 7 PENINSULA LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,310/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 7 PENINSULA LANE?+
The most recent tax bill on record (2025) was $4,604. 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 $279,000, this home is listed about 30% 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 7 PENINSULA 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.
The brief
Three things that matter here
01Under the PALM COAST 32164 market on paper
$279,000 is 19% below the PALM COAST 32164 median of $342,500, and at $193/sqft it sits under the Palm Coast average of $259.
02Time on market is leverage
142 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 $319,000, now $279,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS, CAMERON & CO., REALTORS · Alice Cooper. MLS #V4947999.
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 7 PENINSULA 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 Shawn to ping you on any price or status change →