4 WHITTLESEY LANE, PALM COAST, FL, 32164
Active47 days on marketListed Jun 18, 2026MLS #FC319393
About this home
4 WHITTLESEY LANE
Pre-Construction. To be built. Welcome to the highly sought-after Kershaw, a thoughtfully designed single-story home offering approximately 1,890 square feet, 3 bedrooms, 2 bathrooms, and a spacious 2-car garage. This open-concept floor plan seamlessly blends comfort and functionality, featuring a generous family room that flows into the kitchen and dining area, creating the perfect space for everyday living and entertaining. The private owner's suite is tucked away from the secondary bedrooms and includes a large walk-in closet and an ensuite bath designed for relaxation. Two additional bedrooms and a full bath provide flexibility for family, guests, or a home office. The centrally located kitchen offers abundant workspace, a pantry, and easy access to the main living areas. Enjoy outdoor living from the covered rear porch, ideal for morning coffee or evening gatherings. The Kershaw's efficient layout maximizes living space while maintaining the convenience of single-level living. Optional configurations available with this plan may include a flex room, pocket office, morning kitchen, and various owner's bath layouts, offering additional versatility to suit a variety of lifestyles. This popular floor plan combines modern design, functional living spaces, and timeless appeal—making it easy to see why the Kershaw continues to be a favorite among homebuyers.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,890
Sqft
0.26 ac
Lot size
2
Garage
2026
Year built
One
Levels
$228
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 — not generic estimates.
$2,965 /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
$2,965/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
+21.4%
$/sqft vs PINE LAKES
$228 vs $205
Days on market
47 vs 52 typical
Where $228/sqft sits among the 20 homes for sale in PINE LAKES
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
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
13 of 20
PINE LAKES have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% above the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 4 WHITTLESEY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$540,000
2215 39TH STREET W · same community
3 bd · 2 ba · 1,948 sqft · $277/sqft · 183 DOM
Sold · Dec ’25$375,000
2107 42ND STREET W · same community
3 bd · 2 ba · 1,826 sqft · $205/sqft · 62 DOM
Sold · Apr ’26$465,000
3503 22ND AVENUE W · same community
4 bd · 2 ba · 1,806 sqft · $257/sqft · 2 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 4 WHITTLESEY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4 WHITTLESEY LANE — 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
4 WHITTLESEY LANE FAQs
What would the monthly payment be for 4 WHITTLESEY LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,965/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 4 WHITTLESEY LANE?+
The most recent tax bill on record (2025) was $936. 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 4 WHITTLESEY LANE?+
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 $430,900, this home is listed about 8% 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 4 WHITTLESEY LANE?+
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 BERKSHIRE HATHAWAY HOMESERVICE · Lee Ricci. MLS #FC319393.
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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