John Carpenter
$415,000$425,0004 bd3 ba2,422 sqft$171 /sqft$3,184 /mo all-in ↓

25 PILLORY LANE, PALM COAST, FL, 32164

Active68 days on marketListed May 28, 2026MLS #FC318888

Reduced $10KSingle Family ResidencePALM COAST SEC 26

About this home

25 PILLORY LANE

Welcome to one of Palm Coast's best-kept secrets! Perfectly positioned on a quiet street in the highly desirable P Section, this beautifully maintained Adams brick home offers the ideal combination of space, privacy, style, and convenience. Just minutes from top-rated schools, shopping, parks, and Palm Coast's incredible pickleball complex, this location is hard to beat. Step inside and discover a truly unique floor plan designed for both entertaining and everyday living. Open gathering spaces blend seamlessly with cozy getaway areas, giving everyone room to spread out and enjoy. The split-bedroom design offers privacy, while the spacious layout includes four bedrooms, a dedicated den, formal dining room, great room, breakfast bar, and inside laundry room. The heart of the home is the beautifully updated kitchen featuring sleek granite countertops, attractive cabinetry, and plenty of space for family meals or hosting friends. Gorgeous designer lighting throughout adds a touch of luxury and sparkle to every room. The primary suite is a standout feature, offering an exceptionally rare 2 person bathroom arrangement with separate sinks, toilets, showers, and walk-in closets—perfect for couples with different schedules who appreciate their own space. Recent updates provide peace of mind and modern appeal, including a new main roof installed in 2022, new wood-look laminate flooring and tile throughout, fresh interior paint, and a beautifully tiled screened lanai completed just two years ago. The air conditioning system and water heater are approximately six years old, while the screen enclosure and secondary roof components are approximately ten years old. Outdoor living is equally impressive. The oversized vinyl-fenced backyard offers privacy and endless possibilities for pets, play, gardening, or future outdoor enhancements. Enjoy fresh fruit right from your own orange and fig trees while relaxing on the spacious screened lanai. Additional features include gutters, a water softener, filtration system, and a larger homesite that provides room to breathe. Homes with this much character, functionality, and pride of ownership rarely become available. If you've been searching for a move-in ready Palm Coast home with room for everyone and upgrades already completed, this one deserves a place at the top of your list.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,422

Sqft

0.24 ac

Lot size

2

Garage

2005

Year built

One

Levels

$171

Per sqft

NegotiablePets allowed

Inside

FlooringLaminate · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Filtration System · Water Softener
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric · Heat Pump
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBrick
FoundationSlab
FacesWest
ParkingDriveway · Garage Door Opener · Ground Level · Oversized
ExteriorOutdoor Kitchen · Private Mailbox · Private Yard · Rain Gutters

Community & fees

Taxes (2025)$4,766/yr
PetsCats OK, Dogs OK, Yes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Phone Available · Public · Sewer Connected · Street Lights · Water Connected
WaterNone

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,184 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,443
FHA mortgage insurance (est.)$184
Property tax — 2025 actual bill$397
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,525Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,525
Interest rate6.00%
Loan term

Estimated payment

$3,184/mo

Principal & interest$2,443
FHA mortgage insurance (est.)$184
Property taxes (actual bill)$397
Est. insurance$160

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.

List $415K
$390KedgeAI estimate $416,781 · range $406K$456K$475K

vs edgeAI estimate

−0.4%

$/sqft vs PALM COAST SEC 26

$171 vs $212

Days on market

68 vs 52 typical

Where $171/sqft sits among the 14 homes for sale in PALM COAST SEC 26

2
0 · this home
5
1
4
2
$127–151$151–175$175–199$199–223$223–247$247+

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

Map of 25 PILLORY LANE inside its neighborhood boundary

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

MiddleBuddy Taylor Middle School★★★★★
ElementaryLewis E. Wadsworth Elementary★★★★★
HighFlagler-Palm Coast High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$355K$360K

Palm Coast median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

7 of 14

PALM COAST SEC 26 have cut their price

Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 22% above the PALM COAST 32164 median. See the full Palm Coast market guide →

Paper trail

This home's history

CurrentPrice reduced to $415,000 $10K
May 28, 2026Listed at $425,000 · 68 days on market since
2005Built · PALM COAST SEC 26

Reality check

What actually sold near 25 PILLORY LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

9 PINE CREST LANESold · Nov ’25

$335,000

9 PINE CREST LANE · same community

4 bd · 2 ba · 2,515 sqft · $133/sqft · 62 DOM

47 PILGRIM DRIVESold · Jun ’26

$285,000

47 PILGRIM DRIVE · same community

4 bd · 2 ba · 2,164 sqft · $132/sqft · 0 DOM

24 PIERCE LANESold · May ’26

$320,000

24 PIERCE LANE · same community

4 bd · 2 ba · 2,134 sqft · $150/sqft · 11 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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 25 PILLORY LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 25 PILLORY LANE — before you fall in love.

See it in person

Schedule a tour

Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

25 PILLORY LANE FAQs

What would the monthly payment be for 25 PILLORY LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,184/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 25 PILLORY LANE?+

The most recent tax bill on record (2025) was $4,766. 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 25 PILLORY LANE?+

The listing reports pets: Cats OK, Dogs OK, 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 $415,000, this home is listed about 4% above the Palm Coast median of $399,950. The market section on this page shows how the area is trending.

Which schools are assigned to 25 PILLORY LANE?+

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.

Listing courtesy of ONE SOTHEBYS INTERNATIONAL · Kory Lostaglio. MLS #FC318888.

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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25 PILLORY LANE, PALM COAST, FL — 4 Bed, 3 Bath — $415,000 | CENTURY 21 Edge