Pine Lakes
Central Palm Coast under the pines — established golf-course streets and steady infill construction in the city's quiet middle.
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Pine Lakes — Market Pulse
Active listings + recent-sold aggregates from the Stellar MLS, 32164 area · about $185/sq ft · aggregate statistics only, no addresses or individual listings published.
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Background
A brief history
Pine Lakes is one of Palm Coast's original ITT-era sections — the W-section, where, true to the master plan's alphabetized logic, the street names begin with the letter W. When ITT assembled roughly 68,000 acres beginning in December 1968 and unveiled its plan at Princess Place in June 1969, the lettered-section system was the organizing device for the entire city: a navigable grid that simplified utility planning and gave ITT's sales team an easy way to market lots. Pine Lakes was platted into that framework on Palm Coast's west-central side, just south of Palm Coast Parkway.
What gave Pine Lakes its identity beyond the grid is golf. The Pine Lakes Golf Club, an Arnold Palmer (with Ed Seay) championship design, opened in 1980, threading 18 holes through the section and giving the neighborhood a recreational spine that the purely residential sections lacked. The course and its country club became the W-section's anchor, and homes built along the fairways carry a premium that has held for four decades. The section sits bordered by Indian Trails, Lehigh Woods, and the Belle Terre corridor — central to the city rather than on its edges.
Because Pine Lakes was platted early but never fully built out in the ITT era, it has filled in steadily over the decades, which is why its housing stock spans original 1980s homes through ongoing infill construction. After ITT formally withdrew in 1995 and Palm Coast incorporated in 1999, the empty lots scattered through the W-section became prime infill ground — and that mix of established golf-course streets and newer builds is exactly what defines Pine Lakes today.
The feel
What it's like to live here
Pine Lakes feels like quintessential established Palm Coast: quiet, shaded, golf-course streets under tall pines, a mix of long-time residents and newer arrivals, and the easy central location that makes the rest of the city quick to reach. It's an open city section — generally no HOA on most streets, homes on city utilities, generous quarter-acre-plus lots — with the relaxed, lived-in feel of a neighborhood that's been growing for four decades. The Arnold Palmer course gives it a recreational center of gravity and a stock of desirable fairway homes.
The honest tradeoffs come with that maturity and that mix. Original 1980s homes here are reaching roof-replacement and re-pipe age, so condition varies widely street to street and even house to house — an infill new build can sit next to a 40-year-old original. There's no gated exclusivity or community amenity campus beyond the public golf club, and the architecture is eclectic rather than coordinated. Buyers wanting brand-new uniformity or resort amenities should look to the south-side builder communities; buyers who value a central location, mature trees, larger lots, and the option of a golf-course setting without gated-community fees will feel at home in Pine Lakes.
The details
What to expect
Housing Eras & Condition
Pine Lakes was platted in the ITT era but built out over decades, so the housing stock runs from original 1980s homes to recent infill construction — sometimes side by side. That makes condition the single biggest variable: the oldest homes are at roof-replacement and re-pipe age, which drives both insurance pricing and renovation budgets, while newer builds carry current wind-mitigation credits. Prioritize roof age, plumbing material, electrical panel, and HVAC on any older home, and ask for documentation of major updates. Renovated originals in good positions often compete directly with newer construction on price, so judge each home on its systems, not just its address.
Open City, No HOA
Most of the W-section is open city — homes on Palm Coast municipal water and sewer, with no homeowners association on the majority of streets and therefore no HOA dues or architectural board. That keeps carrying costs low and gives owners freedom, but it also means an eclectic streetscape rather than coordinated uniformity. Confirm utility connection and whether any specific street or newer infill pocket carries its own small HOA. Without an HOA, due diligence on the individual property matters more, since there's no association maintaining common standards.
Golf Course Setting
The Arnold Palmer-designed Pine Lakes Golf Club (opened 1980) is the section's anchor, and fairway-front homes carry a long-standing premium. The course is a public business separate from any homeowner obligation, so a fairway view isn't guaranteed in perpetuity by your purchase — verify the club's current operating status if golf access or the view is central to your decision. Course-front living also means everyday play traffic and the occasional stray ball, which most buyers accept for the open green space behind the home. Confirm the exact relationship of the lot to the course before assuming protected views.
Central Location & Access
Pine Lakes sits west-central in Palm Coast, just south of Palm Coast Parkway and bordered by Indian Trails, Lehigh Woods, and the Belle Terre corridor — which makes the whole city quick to reach. Belle Terre Parkway and Palm Coast Parkway connect to shopping, schools, the hospital, and I-95, with Flagler Beach a short drive east. That central position is a real value driver and tends to support resale demand. As always, drive your actual commute and errand routine before committing, but few Palm Coast sections are as conveniently positioned.
Lots & Trees
Expect the generous lots characteristic of original ITT platting — frequently a quarter acre or more — under a genuine canopy of mature pines and oaks, a contrast with the compact, newly-cleared lots of the south-side builder communities. That space and shade are part of the section's appeal, but mature trees also mean tree maintenance and, occasionally, root or limb considerations near older structures. Verify lot lines and any drainage easements, since the original platting included swales and canal-adjacent lots in places. The established landscaping is an asset newer communities can't match for years.
Community
Amenities
- Pine Lakes Golf Club — Arnold Palmer (with Ed Seay) championship course, opened 1980
- Mature pine-and-oak canopy over established quarter-acre-plus lots
- Central west-side location just south of Palm Coast Parkway
- Bordered by Indian Trails, Lehigh Woods, and the Belle Terre corridor
- Belle Terre Parkway access to shopping, schools, and the hospital
- Open city section — most streets on municipal utilities with no HOA
- Quick reach to I-95 and U.S. 1 for regional travel
- Short drive east to Flagler Beach and the Intracoastal
Education
School assignments
- Flagler County Public Schools (Flagler Schools)
- Wadsworth Elementary School (verify zoning)
- Buddy Taylor Middle School (verify zoning)
- Flagler-Palm Coast High School (verify zoning)
School zone assignments change. Verify with Orange County Public Schools before purchase.
Market Commentary
What the market is doing
Pine Lakes is a healthy, established mid-market section, and the last 12 months of MLS sales show good depth: 90 closings with a median of $347K, the bottom tenth at $225K, and the top tenth at $461K. That spread reflects the section's range — the low end is original 1980s homes needing updates, while the top tenth is renovated or newer construction, often on or near the Arnold Palmer golf course. Ninety sales is real liquidity for a section this size, which gives buyers choice and sellers a reliable comp set. Because the housing stock spans four decades, I always tell buyers here to weight roof age, plumbing, and HVAC heavily in older homes — those three items explain much of the price gap between two similar-looking houses. On the central location, you're paying for convenience, and it tends to hold value well. — Ryan Solberg
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Homes available in Pine Lakes
12 homes currently listed in Pine Lakes.
$299,997
40404 Holly Branch Rd
Eustis, FL 32736
4 bd · 2 ba · 2,128 sqft
Pine Lakes
MLS ID #G5114286, RE/MAX PREMIER REALTY.
Listing provided by Stellar MLS
$399,990
26 Westgrill Dr
Palm Coast, FL 32164
4 bd · 2 ba · 2,067 sqft
Pine Lakes
MLS ID #O6420215, INB REALTY LLC.
Listing provided by Stellar MLS
$349,999
15 Wasserman Dr
Palm Coast, FL 32164
3 bd · 2 ba · 1,750 sqft
Pine Lakes
MLS ID #FC319509, RE/MAX SELECT PROFESSIONALS.
Listing provided by Stellar MLS
$450,000
3907 23rd Ave W
Bradenton, FL 34205
3 bd · 2 ba · 1,771 sqft
Pine Lakes
MLS ID #A4697229, EXP REALTY, LLC.
Listing provided by Stellar MLS
$329,900
45 Woodfield Dr
Palm Coast, FL 32164
3 bd · 2 ba · 1,413 sqft
Pine Lakes
MLS ID #FC317306, COASTAL GATEWAY REAL ESTATE GR.
Listing provided by Stellar MLS
$336,000
153 Wellstone Dr
Palm Coast, FL 32164
3 bd · 2 ba · 1,850 sqft
Pine Lakes
MLS ID #FC317379, RE/MAX SELECT PROFESSIONALS.
Listing provided by Stellar MLS
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Explore Indian Trails →
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Explore Matanzas Woods →
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Explore Lehigh Woods →
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of July 1, 2026. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA