38 WESTMOUNT LANE, PALM COAST, FL, 32164
Active1 days on marketListed Aug 2, 2026MLS #FC320375
About this home
38 WESTMOUNT LANE
Light-Filled Pine Lakes Pool Home with Flexible In-Law Suite — 15 Minutes to the Beach Welcome to a home designed for the way Florida living should feel — bright, open, and effortlessly connected to the outdoors. Tucked into the established Pine Lakes community of Palm Coast, this solid concrete block pool home offers 2,774 square feet of thoughtfully arranged living space with 3 bedrooms and 2 baths in the main living areas — plus a flexible bonus suite that changes everything. Natural light pours in from every angle, with multiple sliding glass doors opening to the screened pool lanai, creating that seamless indoor-outdoor flow Florida homeowners crave. Swim year-round without the leaves and love bugs — the screened enclosure keeps your pool pristine and your afternoons carefree. Inside, the kitchen features stainless steel appliances and breakfast nook. The standout? A huge bonus room with its own private bath — effectively giving you a 4th bedroom and 3rd bath. Even includes a Murphy Bed! Use it as a true in-law suite, guest retreat, home office, media room, or teen hangout. However your life is arranged, this home adapts. Outside, the fully fenced yard offers privacy and room for pets, play, or gardening, while the storage shed keeps tools and toys neatly tucked away. Durable block construction means lasting peace of mind. All of this just 15 minutes from Flagler County's uncrowded beaches, with Pine Lakes' tree-lined streets, golf course, and no-HOA freedom right outside your door. Investors, this one checks the boxes: nearly 2,800 square feet, a screened pool, and a private in-law suite with full bath make this a standout candidate for short-term or vacation rental income. Sleep more guests, market the pool, and let the flexible layout do the heavy lifting. Homes with this combination of space, flexibility, and outdoor living don't linger. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,774
Sqft
0.23 ac
Lot size
2
Garage
1988
Year built
One
Levels
$162
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.
$3,514 /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
$3,514/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
−7.5%
Days on market
1 vs 47 typical
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% above the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 38 WESTMOUNT LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38 WESTMOUNT LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
38 WESTMOUNT LANE FAQs
What would the monthly payment be for 38 WESTMOUNT LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,514/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 38 WESTMOUNT LANE?+
The most recent tax bill on record (2025) was $6,075. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Coast?+
At $450,000, this home is listed about 14% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 38 WESTMOUNT 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.
The brief
Three things that matter here
01Positioned at the premium end
$450,000 runs 32% above the PALM COAST 32164 median — but at 2,774 sqft it's also 47% larger than the typical Palm Coast listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 1 day on market in a Palm Coast market that averages 47 — if it fits, move quickly.
Listing courtesy of LIVIN PARADISE REALTY LLC · M. Gina DosSantos. MLS #FC320375.
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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