43 WILLOW STREET, PALM COAST, FL, 32164
Active173 days on marketListed Feb 2, 2026MLS #FC315814
About this home
43 WILLOW STREET
Short Sale. All offers subject to bank approval. This is a steal!!!! Welcome to this beautifully designed two-story single-family home built in 2023, offering approximately 2,500 square feet of thoughtfully planned living space in the quiet, gated community of Whiteview Village at Pine Lakes in Palm Coast. This versatile floor plan features a full primary bedroom and bathroom on the main level, ideal for multigenerational living, an in-law suite, or a private office/flex space. Upstairs, you’ll find a second primary suite with a full bathroom, two additional guest bedrooms, a full guest bath, and a spacious loft perfect for a media room or second living area. The home boasts a bright, open-concept layout anchored by a large center kitchen island, oversized real wood cabinetry, abundant storage, and generous counter space—perfect for entertaining and everyday living. The kitchen is further enhanced by a gas-burning stove, a highly sought-after feature for home chefs. An oversized laundry room offers plenty of additional storage space, adding everyday convenience and functionality. Thoughtful upgrades include Habitech Systems structural wiring, allowing for easy integration of surveillance cameras, home theater systems, and smart home automation. Built with Energy Star efficiency, this home offers modern comfort and peace of mind. Enjoy a pristine setting backing to a nature conservation area, with access to a scenic lake and fishing pond, plus resort-style amenities including a community pool. Located within a fully gated neighborhood, this home combines privacy, flexibility, and modern living in an exceptional Palm Coast location.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,422
Sqft
0.14 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$140
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 and the real association fee — not generic estimates.
$2,856 /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
$2,856/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
−21.5%
$/sqft vs Palm Coast actives
$140 vs $222
Days on market
173 vs 47 typical
Where $140/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 Pine Lakes
Get to know Palm Coast. See the full Palm Coast guide →
Pine Lakes — neighborhood snapshot
Population
12,061
Median age
54
Median income
$75,387
Median home value
$315,200
Avg household
2
Households w/ children
868
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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
176 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 43 WILLOW STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$339,000
20 WILLOW STREET · same community
4 bd · 2 ba · 2,016 sqft · $168/sqft · 89 DOM
Sold · Jan ’26$370,000
20 WINDSOR TERRACE · same community
4 bd · 2 ba · 2,016 sqft · $184/sqft · 269 DOM
Sold · Jul ’26$316,000
48 WAVERLY LANE · same community
3 bd · 2 ba · 1,561 sqft · $202/sqft · 158 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 43 WILLOW STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 43 WILLOW STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
43 WILLOW STREET FAQs
What would the monthly payment be for 43 WILLOW STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,856/mo — principal and interest, the actual property-tax bill, the $95/mo association fee 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.
How much are the HOA fees at 43 WILLOW STREET?+
The association fee works out to $95 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 43 WILLOW STREET?+
The most recent tax bill on record (2025) was $5,392. 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 43 WILLOW STREET?+
The listing reports pets: 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 $340,000, this home is listed about 14% below the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 43 WILLOW STREET?+
Buddy Taylor Middle School (middle), Rymfire Elementary School (elementary), Flagler-Palm Coast High School (high) — Flagler County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REALTY EXCHANGE, LLC · Sydney Mariano. MLS #FC315814.
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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