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Listing provided courtesy of Coldwell Banker Realty- MLS# 1002153MLS Provider

103 Penny LaneValparaiso, FL 32580

Single Family · 2 Beds · 2 Full Baths · 1,012 Sq. ft. | 0.06 Acres
$292,000 Active

103 Penny Lane Overview

Time on Site:
53 days
Visits:
0

Low-maintenance living with exceptionally low monthly costs--this is the kind of home that just makes sense. Walk in to high ceilings and modern 2 panel doors that give off a grand vibe! Enjoy breakfast at your new eat-in kitchen bar and relax by the firepit in the evening. Granite, shaker style cabinets, laminate vinyl plank flooring throughout AND a durable metal roof ensure that you will not be spending your weekends on projects or lawn maintenance.

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103 Penny Lane Facts & Features

  • Type Single Family
  • Sq. ft. 1,012
  • Price/Sq.ft. $289
  • Lot 0.06 Acres

Details

General

Association/HOA

  • Association Fee Includes: Accounting,Ground Keeping,Management,Master Association
  • Association: true

School Information

  • Elementary School: Lewis
  • Middle Or Junior School: Lewis
  • High School: Niceville

Listing Information

  • Buyer Financing: Conventional,FHA,VA

Building Information

  • New Construction: false
  • Year Built: 2024

Location/Region

  • County Or Parish: Okaloosa
  • MLS Area Major: 13 - Niceville
  • MLS Area Minor: 1302 - Valp No of Tom's Bayou
  • Subdivision Name: KAKE COTTAGES

Tax Information

  • Tax Annual Amount: 2470.1
  • Tax Year: 2025

General Information

  • Parcel Number: 12-1S-23-2000-0000-0020
  • Property Condition: Construction Complete
  • Property Sub Type: Detached Single Family
  • Property Type: Residential
  • Zoning: City, Resid Single Family

Interior

Beds/Baths

  • Bathrooms Full: 2
  • Bathrooms Half: 0
  • Bathrooms Total: 2
  • Bedrooms Total: 2

Building Interior

  • Building Area Source: County PA Records
  • Building Area Total: 1012.0

General Information

  • Appliances: Dishwasher,Disposal,Microwave,Refrigerator,Stove/Oven Electric
  • Interior Features: Lighting Recessed,Newly Painted,Pantry,Washer/Dryer Hookup
  • Rooms Total: 4
  • Stories: 1
  • Window Features: Double Pane Windows,Storm Windows

Exterior

Lot Information

  • Lot Features: Covenants,Interior,Level,Restrictions,Survey Available
  • Lot Size Dimensions: 40x65
  • Lot Size Square Feet: 2613.6
  • Lot Size Units: Acres

Building Exterior/Construction

  • Architectural Style: Florida Cottage
  • Construction Materials: Frame,Siding Brick Some,Siding CmntFbrHrdBrd,Trim Vinyl

General Information

  • Carport: false
  • Exterior Features: Sprinkler System
  • Fencing: Fenced Privacy
  • Road Frontage Type: City Street
  • Utilities: Public Water,Underground

Room Information

Room: Bedroom

  • Level: First
  • Dimensions: 12 x 10
  • Length: 12.00
  • Width: 10.00

Room: Kitchen

  • Level: First
  • Dimensions: 13 x 11
  • Length: 13.00
  • Width: 11.00

Room: Living Room

  • Level: First
  • Dimensions: 18 x 16
  • Length: 18.00
  • Width: 16.00

Room: Master Bedroom

  • Level: First
  • Dimensions: 13 x 11
  • Length: 13.00
  • Width: 11.00

103 Penny Lane Neighborhood

Community

32580 (Valparaiso) Demographics

32
Median Age
370
Population Density (per sq. mile)
40%
College Educated
$69,702
Estimated Median Income
1,171
Estimated Total Home Owners
637
Estimated Total Renters
65% / 35%
Estimated Owner / Renter Divide
3
Estimated Average Household Size
Community data courtesy of LiveBy, Inc.

Schools

School data courtesy of LiveBy, Inc. School ratings are based on a scale of 1-5, with 5 being the highest rating and 1 being the lowest rating.

103 Penny Lane Monthly Cost

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* All calculations are estimates and provided by Reliance Network, for informational purposes only. Actual amounts may vary. ** Assumes 6.50% APR, 20% down payment, and conventional 30-year fixed rate first mortgage. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice. You should not make any decisions based simply on the information provided. Additional required amounts such as taxes, insurance, homeowner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Contact your mortgage company for current rates and additional information. Any mortgage broker or insurance agent that may appear is independent and is not affiliated with, endorsed by, or provided by the MLS.

103 Penny Lane Market Data

Based on the last 30 days in this zip code

$515,593
Average List Price
$265
Average Price per Square Foot
5
Properties Sold
86
Average Days on Market
44
Properties for Sale
Calculations provided by Reliance Network

103 Penny Lane History

Date Event Value Agent
6/13/2026Source: Emerald Coast MLS Price Reduction
$292,000 -1.1%
5/19/2026Source: Emerald Coast MLS Price Reduction
$295,250 -0.7%
5/7/2026Source: Emerald Coast MLS Added to Database
May 07, 2026