10 PONTIAC LANE, PALM COAST, FL, 32164
Active81 days on marketListed May 16, 2026MLS #O6408520
About this home
10 PONTIAC LANE
One or more photo(s) has been virtually staged. Seller willing to cooperate 1 point towards Buyers closing costs/buy down rate and Cross Country Mortgage-Jaime Aguayo (preferred lender) will cooperate with another 1 point. if Buyer decides to use financing. LARGE SPACIOUS DUPLEX WITH LONG-TERM TENANT – GREAT LOCATION | NO HOA. This generously sized duplex is located in a desirable Palm Coast location near schools, shopping, dining, major roadways, and just minutes from the beach. Each unit features 4 bedrooms, 2 bathrooms, a 2-car garage, and an inside laundry room. Spacious living rooms with soaring vaulted ceilings, creating an open and airy feel. The open-concept kitchen includes a large pantry, beautiful cabinetry, granite countertops, and overlooks the living area. BOTH units have stainless steel appliances including refrigerator, range, microwave, dishwasher, clothes washer, and dryer are all included. Vertical blinds are also included throughout the property. Fully tiled side A and B Duplex. Washer and dryers included in both units. Electric and water are separately metered, with utilities paid directly by tenants — helping keep owner expenses low. INCOME INFORMATION: Total Projected Gross Monthly Income: $3,770/month Projected Annual Gross Income: $45,240 Unit A: Currently leased at $1,885/month Lease expiration: August 31, 2026 Unit B: Recently vacated Projected rent: $1,885/month Approximate Annual Expenses: • Lawn Care: $1,200 • Property Taxes: Approximately $8,000 • Insurance: Approximately $1,800 Approximate Net Annual Income: $34,308 ***SPECIAL BUYER INCENTIVE: Professional Property Management INCLUDED for 1 full year through The Cavalieri Property Management. Schedule your private showing today.
Facts & features
The home at a glance
8
Bedrooms
3,048
Sqft
0.23 ac
Lot size
2
Garage
2022
Year built
One
Levels
$184
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.
$4,315 /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
$4,315/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.
$/sqft vs PALM COAST SEC 28
$184 vs $202
Days on market
81 vs 52 typical
Where $184/sqft sits among the 13 homes for sale in PALM COAST SEC 28
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 Grove
Get to know Palm Coast. See the full Palm Coast guide →
Pine Grove — neighborhood snapshot
Population
7,145
Median age
44
Median income
$64,413
Median home value
$292,692
Avg household
3
Households w/ children
803
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)
1 of 13
PALM COAST SEC 28 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 64% 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 10 PONTIAC LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$335,100
11 PONCE DELEON DRIVE · same community
5 bd · 2.5 ba · 2,964 sqft · $113/sqft · 153 DOM
Sold · May ’26$395,000
4 PONCE DELEON DRIVE · same community
3 bd · 2 ba · 2,316 sqft · $171/sqft · 6 DOM
Sold · Jul ’26$333,000
4 PORTER PLACE · same community
3 bd · 2 ba · 2,084 sqft · $160/sqft · 42 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 10 PONTIAC LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10 PONTIAC 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
10 PONTIAC LANE FAQs
What would the monthly payment be for 10 PONTIAC LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,315/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 10 PONTIAC LANE?+
The most recent tax bill on record (2025) was $7,332. 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 10 PONTIAC LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $559,900, this home is listed about 40% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10 PONTIAC LANE?+
Buddy Taylor Middle School (middle), Lewis E. Wadsworth Elementary (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 THE CAVALIERI GROUP REALTY LLC · Katty Cavalieri. MLS #O6408520.
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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