123 ARENA LAKE DRIVE, PALM COAST, FL, 32137
Active137 days on marketListed Mar 21, 2026MLS #FC317113
About this home
123 ARENA LAKE DRIVE
One or more photo(s) has been virtually staged. Beautifully maintained 3-bedroom, 2-bath home with a flexible den/office located in a sought-after community with low HOA fees. This move-in ready home features an open-concept floor plan, granite countertops, spacious living and dining areas, and abundant natural light throughout. The versatile den provides the perfect space for a home office, study, playroom, or guest room. The fully fenced backyard offers privacy and plenty of room for pets, outdoor entertaining, gardening, or relaxing in the Florida sunshine. Enjoy the convenience of a split-bedroom layout and functional living spaces designed for today's lifestyle. Residents have access to resort-style amenities including a community pool, playground, and pickleball courts. Ideally located just 6 miles from Flagler Beach, with easy access to walking and biking trails, shopping, dining, healthcare, and major roadways. Recent major updates include a 2017 roof, 2017 HVAC system, and 2017 water heater, providing peace of mind for years to come. Whether you're searching for a primary residence, second home, or investment property, this home offers the perfect combination of location, lifestyle, and value. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,845
Sqft
0.16 ac
Lot size
2
Garage
2017
Year built
One
Levels
$216
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.
$3,101 /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
$3,101/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
−5.3%
$/sqft vs Palm Coast actives
$216 vs $222
Days on market
137 vs 52 typical
Where $216/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
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
181 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 4% 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 123 ARENA LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$580,000
69 ARENA LAKE DRIVE · same community
3 bd · 2 ba · 1,818 sqft · $319/sqft · 40 DOM
Sold · Jun ’26$250,000
264 HIDDEN LAKE LANE · same community
3 bd · 2 ba · 1,460 sqft · $171/sqft · 70 DOM
Sold · Feb ’26$412,000
68 AUBERRY DRIVE · same community
3 bd · 3 ba · 2,363 sqft · $174/sqft · 9 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 123 ARENA LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 123 ARENA LAKE 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
123 ARENA LAKE DRIVE FAQs
What would the monthly payment be for 123 ARENA LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,101/mo — principal and interest, the actual property-tax bill, the $87/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 123 ARENA LAKE DRIVE?+
The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 123 ARENA LAKE DRIVE?+
The most recent tax bill on record (2025) was $3,947. 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 123 ARENA LAKE DRIVE?+
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 $399,000, this home is priced right at the Palm Coast median.
Which schools are assigned to 123 ARENA LAKE 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
Three things that matter here
01Time on market is leverage
137 days on market against a Palm Coast median of 52 — sellers in this position are usually ready to negotiate.
02Strong 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.
03The price has already moved
Listed at $435,000, now $399,000 — a $36K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TAKE ACTION PROPERTIES, LLC · Karrie Holloway. MLS #FC317113.
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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