106 CLUB HOUSE DRIVE UNIT 106, PALM COAST, FL, 32137
Active377 days on marketListed Aug 1, 2025MLS #FC311613
About this home
106 CLUB HOUSE DRIVE UNIT 106
Rare Waterfront Find: 2,300 Sq Ft Condo + Private Boat Dock Included! Enjoy single-family space with effortless condo convenience. This stunning property overlooks a saltwater canal and pool, offering a premium coastal lifestyle. Features include large bedrooms with huge walk-in closets, a granite kitchen with a brand-new refrigerator, and plantation shutters. Enjoy the luxury of direct interior access to your private garage. Step out to a massive covered patio right next to the pool, or relax on the primary bedroom's private patio. Includes a private dock and 10,000 lb lift for up to a 25ft boat. Minutes to the Intracoastal! Great location! Close to the beach- approximately 2.5 miles, shopping, golf and so much more! European Village is a short 5 minute walk! St. Augustine and Daytona Beach are just a short drive away!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
2,297
Sqft
0.13 ac
Lot size
1
Garage
2005
Year built
One
Levels
$218
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 and the real association fee — not generic estimates.
$4,882 /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
$4,882/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.
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.
$/sqft vs PALM HARBOR
$218 vs $244
Days on market
377 vs 49 typical
Where $218/sqft sits among the 20 homes for sale in PALM HARBOR
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 Harbor
Get to know Palm Coast. See the full Palm Coast guide →
Palm Harbor — neighborhood snapshot
Population
16,621
Median age
57
Median income
$73,524
Median home value
$373,781
Avg household
2
Households w/ children
1,152
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 → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
11 of 20
PALM HARBOR have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 106 CLUB HOUSE DRIVE UNIT 106
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$480,000
74 FORTRESS PLACE · same community
4 bd · 3 ba · 2,338 sqft · $205/sqft · 2 DOM
Sold · May ’26$725,000
15 CEDARFIELD COURT · same community
3 bd · 2 ba · 2,245 sqft · $323/sqft · 26 DOM
Sold · Sep ’25$544,940
26 FIRETHORN LANE · same community
4 bd · 3 ba · 2,356 sqft · $231/sqft · 11 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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 106 CLUB HOUSE DRIVE UNIT 106 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 106 CLUB HOUSE DRIVE UNIT 106 — 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
106 CLUB HOUSE DRIVE UNIT 106 FAQs
What would the monthly payment be for 106 CLUB HOUSE DRIVE UNIT 106?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,882/mo — principal and interest, the actual property-tax bill, the $968/mo association fee 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.
How much are the HOA fees at 106 CLUB HOUSE DRIVE UNIT 106?+
The association fee works out to $968 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 106 CLUB HOUSE DRIVE UNIT 106?+
The most recent tax bill on record (2024) was $7,076. 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 106 CLUB HOUSE DRIVE UNIT 106?+
The listing reports pets: Size Limit, 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 $499,900, this home is listed about 25% 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 106 CLUB HOUSE DRIVE UNIT 106?+
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
Five things that matter here
01Positioned at the premium end
$499,900 runs 32% above the PALM COAST 32137 median — but at 2,297 sqft it's also 22% larger than the typical Palm Coast listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $968/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
377 days on market against a Palm Coast median of 49 — sellers in this position are usually ready to negotiate.
05Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of GRAND LIVING REALTY · Doris Dolamore. MLS #FC311613.
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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