# 103 Penny Lane, Valparaiso, FL 32580

> **TL;DR:** 2bd/2ba single family, $295,250 ($292/sqft), built 2024, 1,012 sqft.
> A/C. Est. $1,402/mo. Listed 30 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $295,250 |
| Price/sqft | $292 |
| Bedrooms | 2 |
| Bathrooms | 2 full |
| Square Feet | 1,012 |
| Year Built | 2024 |
| Lot Size | 2,614 sqft (0.06 acres) |
| Stories | 1 |
| Property Type | Single Family (Other) |
| Status | For Sale |
| Days on Market | 30 |

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $1,279 |
| HOA | $123 |
| **Total** | **$1,402** |

## Nearby Schools

- **Elementary:** Lewis
- **Middle:** Lewis
- **High:** Niceville

## Key Amenities

- A/C

## Property Highlights

- Built in 2024
- 0.06 acre lot
- 2 parking spaces

## Description

### Agent Description
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. 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.

## Location

- **Address:** 103 Penny Lane, Valparaiso, FL 32580
- **County:** Okaloosa
- **Neighborhood:** KAKE COTTAGES
- **Coordinates:** 30.512141, -86.506076
- **Google Maps:** https://www.google.com/maps?q=30.512141,-86.506076

## Listing Agent

- **Name:** Melissa R Jolley
- **Brokerage:** Coldwell Banker Realty
- **Phone:** 8504457364
- **Email:** meljolley38@gmail.com

## Primary Photo

![103 Penny Lane - Primary Photo](http://lh.rdcpix.com/92208b97edc4f12431e3c28b7ac420abl-f1981830939r.jpg)

*24 total photos available on [listing page](https://www.propertysimple.com/listing/103-penny-lane-valparaiso-fl-32580-1002153)*

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**MLS#:** 1002153 | **Updated:** 2026-06-17
**Source:** listhub

*Copyright © 2026 Emerald Coast Association of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.com/listing/103-penny-lane-valparaiso-fl-32580-1002153)

---

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