106 BIRCHWOOD DRIVE, PALM COAST, FL, 32137
Active199 days on marketListed Jan 16, 2026MLS #FC315317
About this home
106 BIRCHWOOD DRIVE
TURN-KEY LUXURY IN THE HEART OF THE COAST. Step into this impeccably maintained Florida retreat, where "move-in ready" is an understatement. Boasting 3 Bedrooms + a Large Flex Room, this home adapts to your lifestyle, whether you need a quiet home office or a creative sanctuary. THE PRIMARY SUITE: A true daily getaway featuring a spa-like en-suite with a glass-enclosed shower, double vanity, and a massive custom-organized walk-in closet. THE GREAT OUTDOORS: * Screened & enclosed patio for bug-free morning coffee. Full privacy fencing surrounding a manicured lawn. Pavered walkways and a site-built storage shed. Automatic sprinklers and professional gutter systems. PREMIUM FINISHES: Crown molding, a security system, and high-end architectural details throughout. Located just minutes from the beach, luxury shopping, and fine dining. This isn't just a house—it’s the high-quality lifestyle you’ve been waiting for. ***Seller willing to contribute $5,000 toward buyer's closing costs or interest rate buydown with acceptable offer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,044
Sqft
0.23 ac
Lot size
2
Garage
2021
Year built
One
Levels
$179
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.
$2,933 /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
$2,933/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
−5.2%
$/sqft vs PALM COAST SEC 35
$179 vs $188
Days on market
199 vs 47 typical
Where $179/sqft sits among the 23 homes for sale in PALM COAST SEC 35
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 Indian Trails
Get to know Palm Coast. See the full Palm Coast guide →
Indian Trails — neighborhood snapshot
Population
12,901
Median age
47
Median income
$68,343
Median home value
$282,657
Avg household
3
Households w/ children
1,358
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)
11 of 23
PALM COAST SEC 35 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% 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 106 BIRCHWOOD DRIVE
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$340,000
10 BURBANK DRIVE · same community
3 bd · 2.5 ba · 2,060 sqft · $165/sqft · 16 DOM
Sold · Feb ’26$325,000
37 BUFFALO PLAINS LANE · same community
4 bd · 2 ba · 2,238 sqft · $145/sqft · 76 DOM
Sold · Apr ’26$465,000
5 BUFFALO BERRY PLACE · same community
3 bd · 2 ba · 1,846 sqft · $252/sqft · 180 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 BIRCHWOOD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 106 BIRCHWOOD 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
106 BIRCHWOOD DRIVE FAQs
What would the monthly payment be for 106 BIRCHWOOD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,933/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 106 BIRCHWOOD DRIVE?+
The most recent tax bill on record (2025) was $5,556. 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 $365,000, this home is listed about 8% 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 106 BIRCHWOOD DRIVE?+
Indian Trails Middle School (middle), Belle Terre Elementary School (elementary), Matanzas High School (high) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PALM COAST 32137 market on paper
$365,000 is 4% below the PALM COAST 32137 median of $380,000, and at $179/sqft it sits under the Palm Coast average of $257.
02Time on market is leverage
199 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Indian Trails Middle School, Belle Terre Elementary School, Matanzas High School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $380,000, now $365,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER PREMIER PROPERTIES · Alicia Moore. MLS #FC315317.
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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