$297,250

103 Penny Ln Valparaiso, FL 32580

Estimated payment $1,791/month

Total Views 1,131
2 Beds
2 Baths
1,012 Sq Ft
$294 Price per Sq Ft

Highlights

  • Primary Bedroom Suite
  • Newly Painted Property
  • Walk-In Pantry
  • Eglin Elementary School Rated A-
  • Florida Architecture
  • Porch

About This Home

Affordability meets coastal charm at 103 Penny Lane.
Low-maintenance living with exceptionally low monthly costs--this is the kind of home that just makes sense.
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.

Listing Agent

Melissa Jolley

Coldwell Banker Realty License #3424557 Listed on: 05/07/2026

Coldwell Banker Realty

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,470

Year Built

  • Built in 2024

Lot Details

  • 2,614 Sq Ft Lot
  • Lot Dimensions are 40x65
  • Privacy Fence
  • Interior Lot
  • Level Lot
  • Sprinkler System
  • Property is zoned City, Resid Single Family

Home Design

  • Florida Architecture
  • Newly Painted Property
  • Frame Construction
  • Metal Roof
  • Vinyl Trim
  • Three Sided Brick Exterior Elevation
  • Cement Board or Planked

Interior Spaces

  • 1,012 Sq Ft Home
  • 1-Story Property
  • Recessed Lighting
  • Double Pane Windows
  • Living Room
  • Vinyl Flooring
  • Storm Windows
  • Exterior Washer Dryer Hookup

Kitchen

  • Walk-In Pantry
  • Electric Oven or Range
  • Microwave
  • Dishwasher
  • Disposal

Bedrooms and Bathrooms

  • 2 Bedrooms
  • Primary Bedroom Suite
  • 2 Full Bathrooms

Outdoor Features

  • Porch

Schools

  • Lewis Elementary And Middle School
  • Niceville High School

Utilities

  • High Efficiency Air Conditioning
  • Central Air
  • Underground Utilities

Community Details

  • Property has a Home Owners Association
  • Association fees include accounting, ground keeping, management, master
  • Kake Cottages Subdivision
  • The community has rules related to covenants

Listing and Financial Details

  • Assessor Parcel Number 12-1S-23-2000-0000-0020

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,470

Year Built

Built in 2024

Lot Details

2,614 Sq Ft Lot

Listing Details

  • Property Sub Type: Detached Single Family
  • Prop. Type: Residential
  • Lot Size Acres: 0.06
  • Lot Size: 40x65
  • Road Frontage Type: City Street
  • Subdivision Name: KAKE COTTAGES
  • Directions: Heading west on HWY 20 coming from Niceville, continue until you reach Valparaiso Pkwy on your right. Take a right onto Valparaiso PKWY. Continue until you begin to see the metal roofs from the Kake Cottages on your right. Turn into Kake Cottages and park in the overflow parking at the front of the neighborhood.
  • Architectural Style: Florida Cottage
  • Carport Y N: No
  • New Construction: No
  • Building Stories: 1
  • Year Built: 2024
  • Utilities:Public Sewer: Yes
  • Utilities:Public Water: Yes
  • Appliances Refrigerators: Yes
  • Energy:AC - Central Elect: Yes
  • Rooms:Living Room: Yes
  • Appliances Microwave: Yes
  • Energy:AC - High Efficiency: Yes
  • Energy:Double Pane Windows: Yes
  • Utilities:Underground: Yes
  • Energy:Storm Windows: Yes
  • Special Features: NewHome
  • Stories: 1

Interior Features

  • Appliances: Dishwasher, Disposal, Microwave, Refrigerator, Stove/Oven Electric
  • Full Bathrooms: 2
  • Total Bedrooms: 2
  • Flooring: Floor Vinyl
  • Interior Amenities: Lighting Recessed, Newly Painted, Pantry, Washer/Dryer Hookup
  • Window Features: Double Pane Windows, Storm Windows
  • Interior:WasherDryer Hookup: Yes
  • Appliances:StoveOven Electric: Yes
  • Master Bedroom:First: Yes
  • Appliances Dishwasher: Yes
  • Interior:Floor Vinyl: Yes
  • Interior:Lighting Recessed: Yes
  • Interior:Newly Painted: Yes

Exterior Features

  • Fencing: Fenced Privacy
  • Lot Features: Covenants, Interior, Level, Restrictions, Survey Available
  • Construction Type: Frame, Siding Brick Some, Siding CmntFbrHrdBrd, Trim Vinyl
  • Exterior Features: Sprinkler System
  • Patio And Porch Features: Porch
  • Property Condition: Construction Complete
  • Lot Features:Level: Yes
  • Construction Status:Construction Complete: Yes
  • Lot Features:Interior: Yes
  • Exterior:Porch: Yes
  • Lot Features:Survey Available: Yes
  • Lot Features:Covenants: Yes
  • Lot Features:Restrictions: Yes
  • ConstructionSiding:Roof Metal: Yes
  • ConstructionSiding:Trim Vinyl: Yes
  • ConstructionSiding:Frame: Yes
  • ConstructionSiding:Siding CmntFbrHrdBrd: Yes
  • Exterior:Sprinkler System: Yes
  • Exterior:Fenced Privacy: Yes
  • ConstructionSiding:Siding Brick Some: Yes

Garage/Parking

  • General Property Info:Garage2: No

Utilities

  • Cooling: Central Air
  • Cooling Y N: Yes
  • Sewer: Public Sewer
  • Utilities: Public Water, Underground

Condo/Co-op/Association

  • Association: Yes

Association/Amenities

  • Fees Include:Master Association: Yes

Fee Information

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

Schools

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

Lot Info

  • Lot Size Sq Ft: 2613.6
  • Parcel #: 12-1S-23-2000-0000-0020
  • Zoning: City, Resid Single Family

Tax Info

  • Tax Annual Amount: 2470.1
  • Tax Year: 2025

Map

Range of Values:

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Value Increase
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Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $2,470 $207,440 $39,500 $167,940
2024 -- $30,300 $30,300 --
2023 -- -- -- --
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
05/07/2026 05/07/26 For Sale $297,250 +14.4% $294 / Sq Ft
09/04/2024 09/04/24 Sold $259,900 0.0% $264 / Sq Ft View Prior Sale
07/22/2024 07/22/24 Pending -- -- --
07/17/2024 07/17/24 Price Changed $259,900 -10.3% $264 / Sq Ft
06/10/2024 06/10/24 Price Changed $289,900 -6.2% $295 / Sq Ft
04/29/2024 04/29/24 For Sale $309,000 -- $314 / Sq Ft
Source: Emerald Coast Association of REALTORS®

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Warranty Deed $259,900 First National Land Title
Warranty Deed $75,000 Panhandle Title
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Open $268,476 VA
Source: Public Records

Source: Emerald Coast Association of REALTORS®

MLS Number: 1002153

Emerald Coast Association of REALTORS®

APN: 12-1S-23-2000-0000-0020

Florida Okaloosa County Valparaiso 32580

103 Penny Ln, Valparaiso, FL

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

Emerald Coast Association of REALTORS® IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.

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Melissa Jolley
Listing Agent
Melissa Jolley
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Coldwell Banker Realty
(448) 428-6637
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