44 CAPTAINS WALK, PALM COAST, FL, 32137
Active213 days on marketListed Dec 22, 2025MLS #FC314851
About this home
44 CAPTAINS WALK
Welcome to waterfront living at its finest (boat dock available) in this beautifully maintained 3 Bed 2.5 Bath corner-unit townhouse located in the desirable Marina Cove community of Palm Coast. This spacious residence offers a rare main-floor primary suite, serene canal & marina views, and exceptional privacy. The updated kitchen features granite countertops, stainless steel appliances, pantry and bar. Cozy breakfast nook or formal dining room—perfect for everyday living or entertaining. The dramatic two-story living room is filled with natural light and opens to an enclosed porch overlooking the marina, creating a tranquil indoor-outdoor retreat with beautiful water views. The main-level primary suite boasts a walk-in closet, En-suite updated bathroom with large walk-in shower. Upstairs, you’ll find two additional bedrooms, including one with vaulted ceilings and expansive windows, plus a full hallway bath. An open loft overlooks the living room and is ideal as a home office, gym, or flex space; it includes a closet and can easily be enclosed to create a fourth bedroom. Additional highlights include a two-car garage, corner-unit positioning for added privacy, and Boat Dock #27 available for separate purchase, accommodating a vessel up to 17' x 38'—a fantastic opportunity for boating enthusiasts, no fixed bridges and only around the corner from intracoastal waterway. Residents enjoy an amenity-rich community with a pool, tennis courts, and scenic walking trails around the marina and the Intracoastal Waterway. Ideally located within walking or biking distance to European Village, miles of Palm Coast’s renowned walking and biking trails, excellent dining, and just minutes to the beach. This is a rare opportunity to own a versatile, waterfront townhouse with optional deep-water dockage—perfect for a full-time residence or coastal retreat. Property is virtually staged.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,875
Sqft
2
Garage
1989
Year built
Two
Levels
$197
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.
$4,122 /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
$4,122/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.
vs edgeAI estimate
+1.2%
$/sqft vs Palm Coast actives
$197 vs $223
Days on market
213 vs 47 typical
Where $197/sqft sits among the 400 Palm Coast actives
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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
172 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% 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 44 CAPTAINS WALK
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$486,000
46 CAPTAINS WALK · same community
3 bd · 2.5 ba · 1,875 sqft · $259/sqft · 95 DOM
Sold · Nov ’25$535,000
4 MARINA POINT PLACE · same community
3 bd · 2.5 ba · 2,223 sqft · $241/sqft · 14 DOM
Sold · Jan ’26$285,000
68 RIVERS EDGE LANE UNIT 68 · same community
3 bd · 2 ba · 1,230 sqft · $232/sqft · 28 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 44 CAPTAINS WALK — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 44 CAPTAINS WALK — 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
44 CAPTAINS WALK FAQs
What would the monthly payment be for 44 CAPTAINS WALK?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,122/mo — principal and interest, the actual property-tax bill, the $1,095/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 44 CAPTAINS WALK?+
The association fee works out to $1,095 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 44 CAPTAINS WALK?+
The most recent tax bill on record (2025) was $6,314. 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 44 CAPTAINS WALK?+
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 $369,900, this home is listed about 6% 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 44 CAPTAINS WALK?+
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
01Under the PALM COAST 32137 market on paper
$369,900 is 3% below the PALM COAST 32137 median of $379,900, and at $197/sqft it sits under the Palm Coast average of $257.
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 $1,095/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
213 days on market against a Palm Coast median of 47 — 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 VIRTUAL HOMES REALTY · Alina Pekarsky. MLS #FC314851.
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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