41 OLD OAK DRIVE S, PALM COAST, FL, 32137
Active206 days on marketListed Dec 30, 2025MLS #FC314929
About this home
41 OLD OAK DRIVE S
Modern farmhouse living in the prestigious Palm Coast community, The Sanctuary. This 5-bedroom, 3.5-bath home offers 3,290 sq ft of bright, open living space with vaulted ceilings and a clean, modern palette throughout. The farmhouse kitchen features ample cabinetry, expansive quartz countertops, a pot filler, and a large peninsula that opens to the main living and dining areas, ideal for entertaining. This beautiful two-story home showcases custom wall trim work, blending northern charm with updates suited for Florida living. The primary suite is located on the main level and features a beautifully appointed ensuite bath and two walk-in closets. Upstairs, four additional bedrooms span the length of the home, including a private en-suite, perfect for guests. Step outside to a screened pool with plenty of space for entertaining, a fully fenced backyard, and a spacious 0.36-acre homesite. Major improvements include a 2025 A/C, 2023 upgraded 50-year roof, 2023 water heater, and a 2022 pool heater. Enjoy quick access to nearby beaches, the Intracoastal Waterway, golf, dining, and shopping. The Sanctuary is one of the few Palm Coast communities with a 24-hour manned gated entrance.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,290
Sqft
0.36 ac
Lot size
2
Garage
2005
Year built
Two
Levels
$273
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.
$6,225 /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
$6,225/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
−33.2%
$/sqft vs Palm Coast actives
$273 vs $221
Days on market
206 vs 47 typical
Where $273/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)
177 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 137% 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 41 OLD OAK DRIVE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$535,000
41 OLD OAK DRIVE S · same community
5 bd · 3.5 ba · 3,290 sqft · $163/sqft · 0 DOM
Sold · Jul ’26$1,205,000
18 OLD OAK DRIVE N · same community
5 bd · 4 ba · 3,420 sqft · $352/sqft · 76 DOM
Sold · Sep ’25$1,425,000
78 OLD OAK DRIVE S · same community
4 bd · 3 ba · 3,011 sqft · $473/sqft · 161 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 41 OLD OAK DRIVE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 41 OLD OAK DRIVE S — 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
41 OLD OAK DRIVE S FAQs
What would the monthly payment be for 41 OLD OAK DRIVE S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,225/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 41 OLD OAK DRIVE S?+
The most recent tax bill on record (2025) was $10,522. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Coast?+
At $899,000, this home is listed about 128% 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 41 OLD OAK DRIVE S?+
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
$899,000 runs 137% above the PALM COAST 32137 median — but at 3,290 sqft it's also 75% larger than the typical Palm Coast listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
206 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $1,095,000, now $899,000 — a $196K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Krista Libby. MLS #FC314929.
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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