
12 EMMONS LANE, PALM COAST, FL, 32164
Pending40 days on marketListed Jul 1, 2026MLS #V4949967
About this home
12 EMMONS LANE
Opportunities like this are hard to find. Offered for sale as a complete duplex, this property features two spacious units, private fenced yards, separate garages, and endless possibilities for investors, owner-occupants, or multi-generational living. Live in one side and collect rental income from the other, add a strong asset to your portfolio, or keep both units as income-producing rentals. Unit A offers 1,207 square feet with 2 bedrooms, 2 bathrooms, a one-car garage, and an open, comfortable floor plan. The kitchen flows into the dining area and expansive living room with volume ceilings, creating a bright and airy space. The primary suite includes a private en suite bath, while the guest bedroom is conveniently positioned near a full bathroom and indoor laundry area. Outside, enjoy a screened porch overlooking the fully fenced backyard. Unit A is currently leased through July 31, 2026, providing immediate income from day one. Unit B offers 1,488 square feet with 2 bedrooms, 2 bathrooms, a two-car garage, and a split-bedroom layout designed for privacy. The spacious primary suite features a large en suite bathroom, while the guest bedroom is located near a second full bath. Volume ceilings enhance the open-concept living, dining, and kitchen areas, creating a welcoming space for everyday living and entertaining. What truly sets this unit apart are the two additional flex spaces, giving you room for a home office, gym, craft room, playroom, media room, or whatever fits your lifestyle. A Florida room overlooks the private fenced backyard, adding even more usable living space. With strong income potential, desirable floor plans, private outdoor spaces, and the flexibility to live, rent, or do both, this duplex offers the kind of versatility that's increasingly difficult to find in today's market. All information taken from the tax record, and while deemed reliable, cannot be guaranteed.
Facts & features
The home at a glance
4
Bedrooms
2,695
Sqft
0.13 ac
Lot size
3
Garage
2001
Year built
One
Levels
$156
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.
$3,400 /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
$3,400/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.
Where it sits
Inside Cypress Knoll
Get to know Palm Coast. See the full Palm Coast guide →
Cypress Knoll — neighborhood snapshot
Population
3,641
Median age
57
Median income
$57,009
Median home value
$360,266
Avg household
2
Households w/ children
277
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
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 23% 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
Jessica Torres
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12 EMMONS LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 EMMONS LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jessica's phone and CRM.
Straight answers
12 EMMONS LANE FAQs
What would the monthly payment be for 12 EMMONS LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,400/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 12 EMMONS LANE?+
The most recent tax bill on record (2025) was $6,990. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 12 EMMONS LANE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $419,900, this home is listed about 5% above the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12 EMMONS LANE?+
Bunnell Elementary School (elementary), Flagler-Palm Coast High School (high), Buddy Taylor Middle School (middle) — Flagler County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of SIMPLY REAL ESTATE · Taylor Westfall Gillette. MLS #V4949967.
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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