3-Bedroom Golf-Course Home in Deerwood Rep Blk 20 Pine Lakes Golf Course
10 Wedgewood Lane, Palm Coast, FL 32164
Single Family Residence in Deerwood Rep Blk 20 Pine Lakes Golf Course, Palm Coast · No CDD on record
Deerwood Rep Blk 20 Pine Lakes Golf Course · Palm Coast, FL 32164 · Flagler County
Listing data updated October 18, 2026 at 6:13 AM ET · checked against the MLS hourly
Listed by Berkshire Hathaway HomeService (Florida Park) (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
1,749Sq Ft
1990Year Built
$188Per Sq Ft
2-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
12% below
$/sq ft vs community
$188 here vs $214 median sold (12 mo)
Buyer leverage
Balanced market
14 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~29 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 18, 2026, 10 Wedgewood Lane in Deerwood Rep Blk 20 Pine Lakes Golf Course, Palm Coast is listed at $329,000 (1,749 sq ft, about $188 per sq ft). It has been 14 days on market. Listing facts: built in 1990, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1990 · 36 yrs
1,749 sq ft of living area
2-car garage
Listed at $329,000 — recent neighborhood median sale price ~$372,500 (nearby sales; deemed reliable, not an appraisal)
14 days on market
No HOA reported by the listing (confirm)
Golf course communitySchool district: Schools Flagler County Schools18 Commerce Parkway · 3 min driveSmak Euro Deli LLC · 4 min driveThe Brown Dog · 4 min drive
Listing description
About this home
Discover your own slice of Florida living at 10 Wedgewood Lane, a charming pool home in the Pine Lakes neighborhood of Palm Coast, Florida. With a private inground swimming pool, newly rescreened pool enclosure, and spacious covered lanai, this home invites you to slow down, soak up the sunshine, and enjoy everyday life both indoors and out. Furnishings are negotiable, offering added flexibility for your next move.
Inside, vaulted ceilings and a distinctive arched window create an airy, welcoming atmosphere. The connected living and dining spaces provide a comfortable setting for entertaining, while expansive sliding glass doors frame pool views and open directly to the screened outdoor living area. From morning coffee on the lanai to an afternoon swim and dinner outdoors, the pool becomes a beautiful centerpiece of the home.
The primary bedroom offers its own sliding glass doors to the lanai, bringing natural light and relaxing pool views into your personal retreat. The primary bathro bathroom features a dual-sink vanity, separate shower, and soaking tub. An attached two-car garage adds everyday convenience, while mature trees and greenery provide an established setting.
Whether you are searching for a Palm Coast pool home, a Florida seasonal retreat, or a full-time residence in Pine Lakes, 10 Wedgewood Lane brings together inviting living spaces, generous outdoor entertaining areas, and the option to purchase furnishings by negotiation. Come imagine the possibilities—and make your next chapter a little more sun-filled.
All 22 photos
Description provided by Berkshire Hathaway HomeService (Florida Park) and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$329,000
Bed / bath3 / 2
Living area1,749 sq ft
Year built1990
Property typeSingle Family Residence
Garage2-car
MLS #1231453
Listing status14 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~29 ft
CountyFlagler
Area listings1 active · 0 under contract
Estimated first-year tax~$3,454/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$188
Estimated monthly payment$2,279
Insurance (illustrative)$2k–$3k/yr
Messtimate range$316,569 – $395,274
Comparable-sales median$372,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$2,279/mo
Principal & interest $1,822/mo80%
Taxes $288/mo13%
Insurance $169/mo7%
$2,279/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Flagler County is $1,626/yr (435 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$3,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 1990. An original roof would be about 36 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,454/yr
Estimate: a typical Flagler effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$3k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~29 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Flagler County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Flagler County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively Moderate
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Pine Lakes
Pricing & the Pine Lakes market
How this home is priced against recent nearby sales, and where Pine Lakes has been over 25 years. Momentum Research analysis of DBAMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
1990BuiltPer public record
About Oct 2026Listed (per MLS)MLS reports 14 cumulative days on market as of October 18, 2026
Oct 3, 2026First seen on movewithmomentum.comObserved at $329,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $329,000Momentum Realty · on market 14 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold May 2026
$365,000
62 Fort Caroline Lane, Palm Coast
3 / 2 bd/ba · 1,629 sq ft · $224/sq ft
Courtesy of 3 Dot Realty, LLC · View details →
Sold Jun 2026
$429,000
7 Freemont Turn, Palm Coast
3 / 2 bd/ba · 1,899 sq ft · $226/sq ft
Courtesy of Take Action Properties LLC · View details →
Sold May 2026
$390,000
60 Frenora Lane, Palm Coast
4 / 2 bd/ba · 1,908 sq ft · $204/sq ft
Courtesy of Realty Exchange, LLC. · View details →
Sold Nov 2025
$299,000
52 Florida Park Drive, Palm Coast
3 / 2 bd/ba · 2,044 sq ft · $146/sq ft
Courtesy of Realty Pros Assured · View details →
Sold Jun 2026
$380,000
95 Frankford Lane, Palm Coast
4 / 2 bd/ba · 2,098 sq ft · $181/sq ft
Courtesy of Take Action Properties LLC · View details →
Median of these 6 sales: $372,500 ($214/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Momentum Scores
Momentum Property Score
70/100
Strongest on: Flood safety (95), Price vs area (80)
0 limited50100 exceptional
70/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area80
This home $188/sq ft vs the community 12-month median $214/sq ft.
Affordability69
List price $329,000 vs the community median $372,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~29 ft elevation. Verify the parcel with FEMA.
Insurance cost62
From FEMA Zone X and a 1990 build. Obtain a property-specific quote.
Market liquidity44
Community inventory, ~6.0 months of supply (12-month record).
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $188 per square foot, about 12% below the community’s $214 median. Pine Lakes’s 12-month median sold price per square foot is $214. MLS facts: DBAAR closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: a golf-course community, one of only 1 active listings in Pine Lakes, no CDD assessment.
Similar homes for sale near Deerwood Rep Blk 20 Pine Lakes Golf Course
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Development
Palm Coast council advances Magnolia Trace plan for 624 homes on about 1,000 acres
The Palm Coast City Council approved on first reading, 4-1, an amendment converting the former Oare continuing-care village off Belle Terre Boulevard near U.S. 1 into the Magnolia Trace Master Planned Development. The plan calls for 624 units, including single-family homes, townhouses and up to 150 apartments, and 71% of the acreage is already in conservation. A second reading is still required, and Greenpoint Holdings is under contract to buy the land.
Why it matters: Adds a large block of for-sale and rental housing supply along the Belle Terre corridor, if final approval is granted. The site is about 3 miles east of Pine Lakes.
Palm Coast holds ceremonial opening of new Fire Station 22
The new station at the southeast corner of Palm Coast Parkway and Colbert Lane replaces the 1977 station and responds to about 18,700 calls a year. Funding of about $12.2 million came from the general fund, fire impact fees and American Rescue Plan money after a $5 million state appropriation was vetoed. The old station is slated to become a visitor center, though funding is not yet identified.
Why it matters: Adds modernized emergency response capacity along the Palm Coast Parkway corridor. The site is about 4 miles east of Pine Lakes.
Promenade at Town Center in Palm Coast signs six tenants and opens apartment leasing
The six-building mixed-use project has signed six leases, including 6th Street Deli, Fleet Feet and AdventHealth Sports Rehab, and has begun leasing 204 apartments. It includes roughly 40,000 square feet of retail and 25,000 square feet of medical and office space. Half the buildings remain under construction and no opening date has been set.
Why it matters: Adds near-term retail, medical office and rental apartment options in the Town Center area. The site is about 2 miles east of Pine Lakes.
Flagler County adopts one year data center moratorium
Flagler County commissioners unanimously adopted a one year moratorium on new data center siting in unincorporated areas at their July 13, 2026 meeting. Officials said the pause allows staff to develop zoning and land use standards for the emerging industry.
Why it matters: A one year pause on new data center siting in unincorporated areas holds large industrial land uses in place while the county drafts zoning and land use standards, keeping the current pattern of available industrial and commercial land unchanged for now. The site is about 5 miles south of Pine Lakes.
More on Deerwood Rep Blk 20 Pine Lakes Golf Course
Go deeper on Deerwood Rep Blk 20 Pine Lakes Golf Course
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Flagler County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEB
RymfireAssigned elementary school · Flagler County School District · Grade B (Florida DOE 2025-26)
GRADEA
Buddy TaylorAssigned middle school · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEA
Flagler Palm CoastAssigned high school · Flagler County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Smak Euro Deli LLC 4 min
Dining
The Brown Dog 4 min
Shopping
18 Commerce Parkway 3 min
Parks
Heroes Memorial Park 5 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 10 Wedgewood Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1990 (36 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Flagler County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,749 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,454/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
DBAAR, checked against the MLS hourly (last: October 18, 2026)
Comparable sales
DBAAR closed sales within about 3 miles, last 18 months, as of July 14, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of DBAAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 10 Wedgewood Lane and when was it built?
Per the listing record, 10 Wedgewood Lane was built in 1990 and has 1,749 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 10 Wedgewood Lane in?
10 Wedgewood Lane is in Deerwood Rep Blk 20 Pine Lakes Golf Course in Palm Coast, Flagler County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 10 Wedgewood Lane have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 10 Wedgewood Lane differ from the current owner's?
The estimate on this page (about $3,454 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 10 Wedgewood Lane in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 10 Wedgewood Lane in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
