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Under contract-accepting backup offers. Built in 2023! This 4 bedroom, 3 bathroom, 3 car garage home has been meticulously cared for, maintained, and upgraded. This home was built with the Florida Lifestyle in mind! Indoor & outdoor open spaces, bright natural light all year round. Located in one of Palm Coast most desirable "W" sections in the Pine Lakes community with NO Homeowner Association HOA. Enter through the beautiful 8 foot double glass panel doors inviting you into an open floor plan with high ceilings, crown molding, tray ceilings, wood plank ceiling accents, and fireplace wall feature. Plantation Shutters on all windows and hunter shutters on the doors which open to your screened in back patio. The kitchen features a large island with quartz counter tops, quartz farm sink, and drawer microwave. Enjoy the soft water and reverse osmosis system which has been installed under the kitchen sink and a whole house water softener in the garage. Upgraded hardwood soft close cabinets and dovetail drawer construction with pull-outs for more space. Glass subway tile back splash, stainless steel range hood, dishwasher and refrigerator and walk in pantry. Inside laundry room with a full sink, cabinets and newer set LG washer and dryer. The owners suite features a tray ceiling in the bedroom and the bathroom features a walk-in shower, freestanding tub, double sink vanity, walk-in closet, and built-in linen closet. Custom closet upgrades throughout the home. Quartz counter tops in all bathrooms. Ready for the pool of your dreams with a third full bath with an access door from the lanai. Luxury plank flooring throughout the entire home. The second bedroom has a private bath for your guests and the third bedroom has the ability to have a private bath as well with access to the lanai. The fourth bedroom can be used as an office or flex room with plenty of closet space. A full three car garage, 33’ x 21’ with high ceilings, LED lighting, and extra storage shelving unit giving you plenty of space for your toys. A separate utility room houses your air handler & water heater. Energy efficient features include spray foam insulation in attic space, energy efficient windows, smart thermostat, google smart home and motion detector cameras and flood lights. Sprinkler system irrigation on your own well, privacy fence and new gutters with leaf protectors recently installed. Active one million dollar termite bond which is transferable. Full home inspection performed in November 2025 and available to serious Buyer. Conveniently located in the heart of Palm Coast, Pine Lakes offers a quiet, well-established setting close to top-rated schools, shopping, dining, golf courses, and scenic walking trails. Centrally located between Daytona Beach and historic St. Augustine, with easy access to Jacksonville and Orlando.
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Our Executive Mortgage Banker:
Our Insurance Division:
$529,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $423,200 | $423,200 | $423,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 6.000% | 5.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.209% | 6.178% | 5.541% |
| Monthly Tax Payment | $605 | $605 | $605 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,403 | $2,537 | $3,402 |
| Total Monthly Payment | $3,100 | $3,234 | $4,099 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.