45 ATLANTIC DRIVE, PALM COAST, FL, 32137
Active415 days on marketListed Jun 4, 2025MLS #FC310138
About this home
45 ATLANTIC DRIVE
Virtually Staged. Ready for beach life? Want to off set your expenses then don’t miss this incredible opportunity to own this short-term/long-term vacation rental in a highly desirable location with direct beach access from your doorstep. Built by Florida Green, this solid concrete, foamed-insulated ranch is energy-efficient and built to last, perched on a high-and-dry lot for peace of mind. Featuring beautiful marble flooring, 3-bedroom, 2-bath open floor plan with elegant marble flooring, this home flows effortlessly for modern living. Relax in the serene backyard from the true four-season room, surrounded by lush landscaping that offers exceptional privacy—a perfect coastal retreat. No rental restrictions make this a turnkey investment opportunity!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,458
Sqft
0.19 ac
Lot size
2
Garage
2013
Year built
One
Levels
$411
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.
$4,270 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,270/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+23.6%
Days on market
415 vs 47 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Coast
Get to know Palm Coast. See the full Palm Coast guide →
PALM COAST 32137 — neighborhood snapshot
Population
47,003
Median age
56.5
Median income
$78,731
Median home value
$360,600
Avg household
2.3
Households w/ children
3,437
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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 58% above the PALM COAST 32137 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 45 ATLANTIC DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 45 ATLANTIC DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
45 ATLANTIC DRIVE FAQs
What would the monthly payment be for 45 ATLANTIC DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,270/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 45 ATLANTIC DRIVE?+
The most recent tax bill on record (2024) was $7,771. 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 45 ATLANTIC DRIVE?+
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 $599,900, this home is listed about 52% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 45 ATLANTIC DRIVE?+
Matanzas High School (high), Indian Trails Middle School (middle), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$599,900 runs 58% above the PALM COAST 32137 median.
02Time on market is leverage
415 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Matanzas High School, Indian Trails Middle School, Old Kings Elementary School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $680,000, now $599,900 — a $80K cut. The full history is in the market section below.
Listing courtesy of HAMMOCK REAL ESTATE GROUP · kris Hample. MLS #FC310138.
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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