4 HIDDEN TREASURE DRIVE, PALM COAST, FL, 32137
Active165 days on marketListed Feb 16, 2026MLS #FC316171
About this home
4 HIDDEN TREASURE DRIVE
One or more photo(s) has been virtually staged. PRICED TO SELL ...NEW PRICE IMPROVEMENT. Discover the ultimate coastal lifestyle at 4 Hidden Treasure Drive, a charming seaside retreat at BEACH HAVEN where every day feels like a vacation. Nestled within a premier gated beachside "Cape Cod"-like community along the scenic A1A corridor, this home offers private community beach access and resort-style amenities in a unique setting with MAIN-STREET style picket fences reminiscent of days gone by. The upgraded finishes throughout have been carefully chosen to enhance the features of the home. The CHEF'S KITCHEN is generously appointed with BOSCH SS APPLIANCES including double-ovens, GAS COOKTOP with rangehood, microwave drawer, large farmers sink, EXPANSIVE ISLAND, walk-in pantry, upgraded cabinetry and abundant storage, make this kitchen the HEART of the home! Designer touches, built in shelving, extra storage, CROWN molding, unique tile work add to the luxurious ambiance. Wake up to the sound of ocean breezes, enjoy morning coffee on your balcony with water views, and unwind as the sun sets over your own coastal paradise. The classic Key West style architecture is beautifully crafted with low-maintenance Hardie Board siding and durable stem wall elevation for coastal durability and charm. The central A/C was replaced in 2024. This thoughtful floor plan incudes all main living and bedrooms downstairs, plus a large bonus room and full bath upstairs — perfect for a 4th bedroom, 2nd PRIMARY suite, or family entertainment space. Take in sea breezes, shimmering views, and magnificent sunsets from your 2nd story terrace — the ideal way to end your day. AMENITIES? YES, PLEASE.... Private community beach access along the most scenic stretch of A1A. A sparkling resort-style pool surrounded by lush tropical landscaping. Walking trails that wind around a serene lake — perfect for morning jogs or sunset strolls. BEACH HAVEN is a welcoming gated community focused on relaxation, recreation, and coastal beauty. This home represents more than just a place to live — it’s a true coastal lifestyle experience. Whether gathering with friends for sunset views, hosting family at your beachside retreat, or simply savoring the sea air, 4 Hidden Treasure Drive invites you to embrace the ease and elegance of resort-style living by the shore. What are YOU WAITING FOR? Schedule your showing today and BUY THE BEACH HOUSE!!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,315
Sqft
0.15 ac
Lot size
2
Garage
2018
Year built
Two
Levels
$292
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.
$5,077 /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
$5,077/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
+4.5%
$/sqft vs Palm Coast actives
$292 vs $217
Days on market
165 vs 47 typical
Where $292/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 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)
171 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 75% 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 4 HIDDEN TREASURE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$675,000
20 SUNRISE CIRCLE · same community
3 bd · 3 ba · 2,186 sqft · $309/sqft · 9 DOM
Sold · Jun ’26$665,000
31 HIDDEN TREASURE DRIVE · same community
3 bd · 2 ba · 2,005 sqft · $332/sqft · 307 DOM
Sold · Oct ’25$850,000
21 TURTLE BEACH DRIVE · same community
4 bd · 3 ba · 2,641 sqft · $322/sqft · 111 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 4 HIDDEN TREASURE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4 HIDDEN TREASURE 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
4 HIDDEN TREASURE DRIVE FAQs
What would the monthly payment be for 4 HIDDEN TREASURE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,077/mo — principal and interest, the actual property-tax bill, the $262/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 4 HIDDEN TREASURE DRIVE?+
The association fee works out to $262 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4 HIDDEN TREASURE DRIVE?+
The most recent tax bill on record (2025) was $9,113. 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 4 HIDDEN TREASURE DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $675,000, this home is listed about 71% 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 4 HIDDEN TREASURE DRIVE?+
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
$675,000 runs 75% above the PALM COAST 32137 median — but at 2,315 sqft it's also 23% larger than the typical Palm Coast listing.
02Park/Greenbelt & Water views
The park/greenbelt and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
165 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 $699,900, now $675,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX SELECT PROFESSIONALS · Bianca Lovett. MLS #FC316171.
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.
Never miss a listing
New Palm Coast homes, in your inbox
Like 4 HIDDEN TREASURE DRIVE but not quite? A daily digest of every new listing in Palm Coast — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →