Community Details at a Glance
The Homes
Type
Single-family homes in the Pine Lakes section of Palm Coast
Size
Roughly 1,500 to 2,800 SF, 3 to 4 bedrooms
Era
Established and newer stock
Status
Active, attainable Palm Coast market
Costs & Fees
HOA
Most Palm Coast homes have no mandatory HOA; confirm per parcel
CDD
None reported (confirm per parcel)
Property tax
Flagler County millage
Amenities
Setting
Palm Coast's wooded, lake-dotted grid
Recreation
Palm Coast trails, parks, and the nearby coast
No HOA
Most homes carry no mandatory dues
Golf
Pine Lakes golf course nearby (public)
Location
Area
West Palm Coast, Flagler County, ZIP 32164
Access
Minutes to U.S. 1 and I-95; short drive to the beach
Nearby
Palm Coast Town Center, the beaches, St. Augustine and Daytona
The Homes & Style
Pine Lakes is one of the established sections of Palm Coast, a grid of single-family homes on wooded, lake-dotted lots in Flagler County. The appeal is attainable Florida living with no mandatory HOA on most homes and a short drive to the coast.
Condition and the lot are the pricing levers; an updated home on a larger or lake lot sits above an original-condition one. Newer infill homes compete on floor plan and homesite.
Living Here
Life here is quiet and suburban, with Palm Coast's trails and parks, the Town Center, and the beaches all within reach. U.S. 1 and I-95 put St. Augustine and Daytona within an easy drive, and the Pine Lakes public golf course is nearby.
Palm Coast's deep supply of attainable homes keeps the area accessible, and most homes carry no mandatory dues, a real carrying-cost edge.
Before You Offer
Most Palm Coast homes have no mandatory HOA, but confirm the specific parcel, since some sections and newer communities do. Confirm whether any CDD applies on the tax bill.
Palm Coast has canals and low-lying areas, so flood risk varies by lot. Pull the FEMA designation for the exact address and get a bindable insurance quote during your inspection period.
Flagler County millage applies, and the homestead exemption helps if you qualify. Plan for the post-sale tax reset, and read the renovation honestly on older homes.
Comparisons
Buyers weighing Pine Lakes are usually cross-shopping the other Palm Coast sections. Here is the honest shorthand.
| Community | The trade-off |
|---|---|
| Palm Harbor | The saltwater-canal section of Palm Coast with boating access; a higher entry for the water. |
| Indian Trails | A newer Palm Coast section with more recent stock; a comparable attainable setting. |
| Hunters Ridge | An amenity community on the Flagler-Volusia line; more amenity at a higher price than the Palm Coast grid. |
The honest verdict: if you want attainable Florida living with no mandatory HOA and a short drive to the coast, Pine Lakes is a strong value. If you want canal-front boating or a full amenity community, the other Palm Coast and Ormond options are the right field, and we will help you weigh the price against the features.
Who It Fits
It fits if you want
- Attainable Palm Coast pricing with no mandatory HOA on most homes.
- Wooded, lake-dotted lots in an established grid.
- A short drive to the beaches and Palm Coast trails.
- Quick U.S. 1 and I-95 access to St. Augustine and Daytona.
- Renovation upside on older homes.
Consider elsewhere if you want
- Canal-front or boating access; that is the Palm Harbor section.
- A full amenity community with a clubhouse and pools.
- New construction with a builder warranty (on a resale).
- The shortest commute to a major metro; Palm Coast is between them.
- Lakeside or low-lying flood exposure on certain lots to avoid.
