186 Westhampton Drive, Palm Coast, FL 32164
Sources: DBAAR (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 30, 2026, 186 Westhampton Drive in Pine Lake, Palm Coast is listed at $265,900 (1,718 sq ft, about $155 per sq ft). That is 18% below Pine Lake's median closed sale of $322,500 over the last 12 months (24 recorded sales). Per square foot it is below the community's recent $193/sq ft by about 20%. It has been 118 days on market. Listing facts: built in 1991, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1991 · 35 yrs
- 1,718 sq ft of living area
- 2-car garage
- 118 days on market
- No HOA reported by the listing (confirm)
Pricing & the Palm Coast Sec 60 market
How this home is priced against recent nearby sales, and where Palm Coast Sec 60 has been over 25 years. Momentum Research analysis of DBAMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in Palm Coast Sec 60
Each dot is a closed sale since 2015 (97 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). DBAAR closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2024–2026. This home lists at $155/sq ft.
Median sale price by year
12-month median closed price, 2024–2026.
This home’s history
- 1991BuiltPer public record
- About Jun 2026Listed (per MLS)MLS reports 118 cumulative days on market as of September 30, 2026
- Sep 30, 2026First seen on movewithmomentum.comObserved at $265,900
- 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.
Estimated monthly payment
- Principal & interest $1,420/mo 78%
- Taxes $262/mo 14%
- Insurance $135/mo 7%
$1,817/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Daytona Beach Area AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
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.
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.
Momentum Property Score
67/100 is solid, mid-pack 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.
Coverage: 4 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.
The Momentum read
🟡 Asking $155 per square foot, about 20% below the community’s $193 median. Palm Coast Sec 60’s 12-month median sold price per square foot is $193. Median sold price per square foot is down 5.7% year over year. Confidence: High · 24 closed sales in 12 monthsMLS facts: DBAAR closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
60% of homes in Palm Coast Sec 60 are owner-occupied. An estimated 40% are non-owner-occupied, including 10% held in a company or trust and 18% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 643 homes matched. Community-level context.
Recent Palm Coast Sec 60 sales closed near 94.2% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of DBAAR records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 72 active listings in Palm Coast Sec 60, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
This FHA 203(k) eligible home is one of the best values in Palm Coast, offering incredible potential in a highly sought after neighborhood. Don't miss what's waiting behind the front door. Step inside to discover soaring volume ceilings, abundant natural light, and a spacious split-bedroom floor plan designed for comfortable everyday living.
The heart of the home features a well-appointed kitchen with newer appliances, ample cabinetry, a pantry, and seamless flow into the main living and dining areas. The true standout is the oversized screened lanai and adjoining grilling patio, creating the ideal setting for entertaining, relaxing, or enjoying Florida's beautiful weather year-round. Sliding glass doors from the kitchen, dining area, and primary suite effortlessly blend indoor and outdoor living.
Located in the desirable Pine Lakes community, you'll enjoy tree-lined streets, a golf course setting, and the freedom of NO HOA fees. Schedule your showing today and see this hidden gem! You enjoy an established neighborhood feel with no HOA fees, all while being just minutes from nearby schools, local shopping, and the cinnamon sands of Flagler Beach.
With a smart, well-fed lawn sprinkler system keeping the yard vibrant, this gem is entirely move-in ready. Schedule your tour today and see why the best surprises are found inside!
All 60 photos
Description provided by Real Estate Services of Palm Coast and reproduced from the MLS; not independently verified.
Every fact, sourced
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Flagler County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 1,718 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated September 30, 2026.
Similar homes for sale near Pine Lake
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.
Newest listings in Pine Lake
- 139 Beechwood Lane · $239,980 · 3 bd / 2.0 ba · listed September 29, 2026 (courtesy of Realty Exchange, LLC.)
- 12 E Roxland Lane · $325,000 · 3 bd / 2.5 ba · listed September 26, 2026 (courtesy of RE/MAX Signature)
- 60 Brockton Lane · $285,000 · 3 bd / 2.0 ba · listed September 26, 2026 (courtesy of LPT Realty, LLC)
- 31 Cimmaron Drive · $518,900 · 2 bd / 2.0 ba · listed September 24, 2026 (courtesy of SeaGate Real Estate Inc.)
- 9 River Oaks Way · $685,000 · 3 bd / 2.5 ba · listed September 24, 2026 (courtesy of RE/MAX Select Professionals)
- 28 Richland Lane · $318,000 · 3 bd / 2.0 ba · listed September 23, 2026 (courtesy of EXP Realty LLC)
Recently off market in Pine Lake
- 49 Fanshawe Lane · last listed $386,500 · 2026-09-29
- 25 Fenimore Lane · last listed $367,000 · 2026-09-26
- 222 Bird Of Paradise Drive · last listed $344,900 · 2026-09-23
- 222 County Road 15 · last listed $750,000 · 2026-09-22
- 95 Bickford Drive · last listed $375,000 · 2026-09-17
- 154 Pepperdine Drive · last listed $359,000 · 2026-09-17
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
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Listed by Real Estate Services of Palm Coast · MLS # 1227210
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More on Flagler County
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Browse market data, schools, taxes, and homes for sale across the county.
Assigned schools
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.
Comparable recent sales
No closed sales of a similar home within about 10 miles in Flagler County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Pine Lake. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Just listed: new homes for sale in Volusia & Flagler in the last 48 hours · updated hourly · RSS · Volusia & Flagler market today: new listings, price cuts, pendings
Buyer research checklist
Items worth confirming for 186 Westhampton Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1991 (35 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.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- 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 1,718 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 $3,150/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,625 more per year than the current owner’s estimated bill (+107%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Data sources & freshness
| Listing record | DBAAR, refreshed hourly (last: September 30, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Flagler County — no medians or automated estimate shown |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; 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.
Frequently asked questions
How big is 186 Westhampton Drive and when was it built?
Per the listing record, 186 Westhampton Drive was built in 1991 and has 1,718 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 186 Westhampton Drive in?
186 Westhampton Drive is in Pine Lake in Palm Coast, Flagler County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 186 Westhampton Drive 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 186 Westhampton Drive differ from the current owner's?
The estimate on this page (about $3,150 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,625 more per year than the current owner’s estimated bill (+107%). 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 186 Westhampton Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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.
See 186 Westhampton Drive in person
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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.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Daytona Beach Area Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Daytona Beach Area Association of REALTORS®. © 2026 Daytona Beach Area Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.