195 ASPEN WAY, PALM COAST, FL, 32137
Active302 days on marketListed Sep 25, 2025MLS #FC312965
About this home
195 ASPEN WAY
Build your dream home on this beautiful 0.18-acre homesite located in the prestigious Conservatory at Hammock Beach. Nestled along the renowned Tom Watson Signature Golf Course, this property offers serene water views and the perfect setting for luxury coastal living. The community features a stunning clubhouse, resort-style pool, fitness center, and 24/7 gated access for peace of mind. Ideally situated just minutes from the beach, this homesite combines elegance, recreation, and convenience—an exceptional opportunity to create your own private retreat!
Facts & features
The home at a glance
0.18 ac
Lot size
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.
$1,225 /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
$1,225/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.
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 68% below the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 195 ASPEN WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$800,000
363 HIBISCUS WAY · same community
3 bd · 2.5 ba · 2,251 sqft · $355/sqft · 136 DOM
Sold · Aug ’25$725,000
647 MAHOGANY RUN · same community
4 bd · 2.5 ba · 2,268 sqft · $320/sqft · 113 DOM
Sold · Sep ’25$820,000
628 MAHOGANY RUN · same community
3 bd · 2.5 ba · 2,278 sqft · $360/sqft · 101 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 195 ASPEN WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 195 ASPEN WAY — 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
195 ASPEN WAY FAQs
What would the monthly payment be for 195 ASPEN WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,225/mo — principal and interest, the actual property-tax bill, the $188/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 195 ASPEN WAY?+
The association fee works out to $188 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 195 ASPEN WAY?+
The most recent tax bill on record (2024) was $1,413. 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 195 ASPEN WAY?+
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 $120,000, this home is listed about 70% below the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 195 ASPEN WAY?+
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
Three things that matter here
01Under the PALM COAST 32137 market on paper
$120,000 is 68% below the PALM COAST 32137 median of $379,900.
02Time on market is leverage
302 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.
Keep looking
Similar homes nearby
Listing courtesy of REALTY EXCHANGE, LLC · Brittany Licari. MLS #FC312965.
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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