13 WILLOW STREET, PALM COAST, FL, 32164
Active127 days on marketListed Mar 19, 2026MLS #FC317061
About this home
13 WILLOW STREET
Welcome to 13 Willow Street, a spacious Palm Coast home in the gated community of Whiteview Village, offering comfort, flexibility, and scenic surroundings. With 2,422 square feet, this 4-bedroom, 3-bathroom residence features a thoughtfully designed layout that supports both everyday living and entertaining. The main level welcomes you with open living areas that flow naturally between the kitchen, dining, and living spaces, creating a bright and inviting atmosphere filled with natural light. The kitchen offers generous storage featuring 42" cabinets, while remaining connected to the main living areas—ideal for hosting or everyday meals. A guest bedroom and full bathroom located downstairs provide convenient accommodations for visitors, a home office, or flexible living space. Upstairs, the loft area adds another versatile gathering space perfect for a media room, office, or relaxation area. The primary suite offers a spacious retreat, while the additional bedrooms are well-sized and positioned for privacy and comfort. The backyard backs to a natural lake, providing peaceful water views and a tranquil setting. Residents enjoy a gated neighborhood with no CDD and amenities that include a community pool, dock, and kayak launch, offering opportunities to relax and enjoy the outdoors. The location also places you near several Palm Coast golf courses, adding to the lifestyle appeal of this well-situated home. With space, scenery, and convenient amenities, 13 Willow Street delivers a balanced blend of comfort and community. Welcome home!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,422
Sqft
0.15 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$171
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.
$3,326 /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
$3,326/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
−2%
$/sqft vs Palm Coast actives
$171 vs $221
Days on market
127 vs 47 typical
Where $171/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 Pine Lakes
Get to know Palm Coast. See the full Palm Coast guide →
Pine Lakes — neighborhood snapshot
Population
12,061
Median age
54
Median income
$75,387
Median home value
$315,200
Avg household
2
Households w/ children
868
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)
176 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 22% above the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 13 WILLOW STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$339,000
20 WILLOW STREET · same community
4 bd · 2 ba · 2,016 sqft · $168/sqft · 89 DOM
Sold · Jan ’26$370,000
20 WINDSOR TERRACE · same community
4 bd · 2 ba · 2,016 sqft · $184/sqft · 269 DOM
Sold · Jun ’26$265,000
7 WINDSOR TERRACE · same community
3 bd · 2 ba · 1,377 sqft · $192/sqft · 160 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 13 WILLOW STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13 WILLOW STREET — 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
13 WILLOW STREET FAQs
What would the monthly payment be for 13 WILLOW STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,326/mo — principal and interest, the actual property-tax bill, the $95/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 13 WILLOW STREET?+
The association fee works out to $95 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13 WILLOW STREET?+
The most recent tax bill on record (2025) was $5,336. 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 13 WILLOW STREET?+
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 $415,000, this home is listed about 5% 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 13 WILLOW STREET?+
Buddy Taylor Middle School (middle), Rymfire Elementary School (elementary), Flagler-Palm Coast 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
01Positioned at the premium end
$415,000 runs 22% above the PALM COAST 32164 median — but at 2,422 sqft it's also 29% larger than the typical Palm Coast listing.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
127 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $420,000, now $415,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS (ST. AUG) · Noah Bailey. MLS #FC317061.
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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