28 MONTAUK LANE, Palm Coast, FL, 32164 | $399,900

Set within the established subdivision of The Hamptons located in Pine Lakes, this four-bedroom, two-and-a-half-bath pool home offers more than 2, 100 square feet of comfortable Florida living on an oversized lot designed for both privacy and possibility. Blending everyday practicality with inviting outdoor spaces, the property presents a rare opportunity to enjoy the relaxed coastal lifestyle that has long defined this sought-after community.
Approaching the home, mature landscaping and the generous proportions of the lot immediately set the tone. The residence sits comfortably back from the street, creating a sense of openness while leaving ample room for outdoor enjoyment. A wide driveway and welcoming entry lead inside to a floor plan that balances shared living spaces with private retreats.
The interior unfolds into a spacious main living area where natural light filters through large windows, highlighting the home’s airy layout and comfortable scale. The design makes the home well suited for both casual family living and entertaining guests. Four well-proportioned bedrooms offer flexibility for growing families, visiting guests, or a dedicated home office, while the two full bathrooms and additional half bath ensure convenience throughout the home.

Beyond the interior living space, the property truly shines outdoors. A large covered patio opens to a sparkling private pool that is SOLAR HEATED, creating an inviting setting for weekend gatherings, quiet morning coffee, or warm Florida evenings spent under the stars. The expansive patio area offers room for outdoor dining, lounging, and entertaining, while the oversized yard extends the possibilities for gardening, recreation, or future enhancements. A full sprinkler system helps maintain the lawn and landscaping with ease, keeping the property green and vibrant throughout the year. The oversized lot not only provides extra outdoor space but also enhances privacy, a feature increasingly valued in residential neighborhoods. Located within the well-established Pine Lakes subdivision, the home enjoys close proximity to local golf courses, parks, shopping, dining, and the beautiful Atlantic coastline just a short drive away. Residents appreciate the neighborhood’s quiet streets, mature surroundings, and convenient access to all that Palm Coast has to offer.

The roof installed in 2014, A/C system 2025. Water heater 2021. The home is also equipped with an alarm system hookup, offering the option for enhanced security.

Comfortable in scale yet generous in outdoor living, this pool home presents a compelling blend of location, space and inviting place to settle into the easy rhythm of life in Palm Coast.

Features

  • Rooms: 4
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Laundry: Electric Dryer Hookup, In Garage, Washer Hookup
  • Year Built: 1995
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,105
  • Acreage: 0.39
  • Est. Taxes: $3,537
  • HOA Fee: $111 Monthly
  • Pool: In Ground, Salt Water
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Dishwasher, Disposal, Microwave, Refrigerator
  • MLS#: FC316674
  • Days on Market: 14 days
  • Website: https://www.raveis.com
    /prop/FC316674/28montauklane_palmcoast_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/27/2026 8:02:09 PM)
Listing courtesy of KELLER WILLIAMS RLTY FL. PARTN   Phone: 386-944-2800

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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28 MONTAUK LANE, Palm Coast, FL, 32164

$399,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $319,920 $319,920 $319,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.374% 6.524% 5.933%
Monthly Tax Payment $295 $295 $295
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,918 $1,996 $2,657
Total Monthly Payment $2,288 $2,366 $3,027

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.