117 WHISPERING PINE DRIVE, Palm Coast, FL, 32164 | $390,000

Under contract-accepting backup offers. This well-maintained residence in Palm Coast, Florida, was originally constructed by Florida Accent Builders and has been meticulously cared for by its original owner. It stands as a testament to one-of-a-kind attention to detail, blending quality construction with thoughtful updates that enhance both functionality and visual appeal, resulting in a move-in-ready home with strong presentation inside and out.

The interior showcases excellent condition through recent upgrades, including granite countertops installed in 2025, freshly painted kitchen cabinets, updated flooring in key living areas, and attractive accents such as a brick feature in the family room and an expansive coffee bar. Additional enhancements include new Whirlpool appliances (washer, dryer, and microwave), a GE electric range, modern toilet bowls, and pocket doors that contribute to a clean, contemporary flow. Air-conditioned closets provide practical, climate-controlled storage while preserving the home’s polished aesthetic.

Outside, the property benefits from strong curb appeal and well-kept landscaping that complements the home’s exterior. A new roof and gutters were installed in 2021, the exterior was painted approximately nine years ago, and the lanai was professionally resealed in 2025 with a two-year warranty. Sprinklers have been redone, lanai pavers refreshed, and new front door and garage door installations further elevate the exterior appearance. These elements create an inviting, tidy presentation that enhances the overall visual charm of the property.

Additional desirable features include spacious living and family rooms, a pantry off the laundry room, an oversized garage for convenient storage and parking, and a new 50-gallon hot water heater installed in 2025. The HVAC system, upgraded in 2018 with a UV light addition, supports comfortable living in Florida’s climate.

Situated in the vibrant coastal community of Palm Coast, this residence provides convenient access to local amenities, pristine beaches, and abundant recreational opportunities. The combination of meticulous maintenance, recent cosmetic and functional improvements, and attractive landscaping makes it an appealing choice for buyers seeking a residence that feels both established and refreshed.

Prospective buyers are encouraged to schedule a private viewing to experience the home’s pleasing appearance and quality firsthand. Further details regarding square footage, room dimensions, and any additional specifications are available upon request. In the current Palm Coast real estate market, this property represents a well-presented opportunity for comfortable Florida living.

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside, Laundry Room
  • Year Built: 2001
  • Garage: 2-car Garage Door Opener, Oversized
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,142
  • Acreage: 0.23
  • Est. Taxes: $1,809
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: FC317529
  • Days on Market: 44 days
  • Website: https://www.raveis.com
    /prop/FC317529/117whisperingpinedrive_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 5/24/2026 1:49:55 AM)
Listing courtesy of EXIT REALTY FIRST CHOICE   Phone: 386-246-3161

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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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117 WHISPERING PINE DRIVE, Palm Coast, FL, 32164

$390,000

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 $312,000 $312,000 $312,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $151 $151 $151
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,921 $1,970 $2,591
Total Monthly Payment $2,147 $2,196 $2,817

* 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.