44 CLUB HOUSE DRIVE UNIT 106, PALM COAST, FL, 32137
Active70 days on marketListed Jun 1, 2026MLS #FC317499
About this home
44 CLUB HOUSE DRIVE UNIT 106
WATERFRONT LIVING - Palm Club Townhouse is situated on a large saltwater canal where you can watch directly from your balcony the boats passing buy and enjoy beautiful sunsets. Many amenities are included, a resort style pool, clubhouse, and a scenic walking path. HOA covers water, trash, cable/internet and pest control. Palm Harbor Golf Course is across the road and Island Walk is close by for your shopping needs, including, restaurants, banks and a Public's grocery store. First floor is living/dining room, kitchen, half-bath and patio overlooking the saltwater canal. Second level has two bedrooms and a full bath. Main bedroom has a balcony overlooking canal to enjoy the water activities. There is a chair lift for navigating the stairway. This is resort living at its best as well as peace of mind when vacationing or for snowbirds... just lock your door and no worries. Call Realtor before showing
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,127
Sqft
0.01 ac
Lot size
1977
Year built
Two
Levels
$176
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.
$1,722 /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
$1,722/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
−3%
$/sqft vs Palm Coast actives
$176 vs $222
Days on market
70 vs 49 typical
Where $176/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
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
195 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 48% 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 44 CLUB HOUSE DRIVE UNIT 106
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$199,000
46 CLUB HOUSE DRIVE UNIT 103 · same community
2 bd · 2 ba · 986 sqft · $202/sqft · 4 DOM
Sold · Oct ’25$215,000
42 CLUB HOUSE DRIVE UNIT 104 · same community
2 bd · 2 ba · 986 sqft · $218/sqft · 18 DOM
Sold · Apr ’26$150,000
54 CLUB HOUSE DRIVE UNIT 107 · same community
1 bd · 1 ba · 665 sqft · $226/sqft · 220 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 44 CLUB HOUSE DRIVE UNIT 106 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 44 CLUB HOUSE DRIVE UNIT 106 — 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
44 CLUB HOUSE DRIVE UNIT 106 FAQs
What would the monthly payment be for 44 CLUB HOUSE DRIVE UNIT 106?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,722/mo — principal and interest, the actual property-tax bill, the $267/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 44 CLUB HOUSE DRIVE UNIT 106?+
The association fee works out to $267 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 44 CLUB HOUSE DRIVE UNIT 106?+
The most recent tax bill on record (2025) was $458. 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 44 CLUB HOUSE DRIVE UNIT 106?+
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 $198,500, this home is listed about 50% below the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 44 CLUB HOUSE DRIVE UNIT 106?+
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
Four things that matter here
01Under the PALM COAST 32137 market on paper
$198,500 is 48% below the PALM COAST 32137 median of $380,000, and at $176/sqft it sits under the Palm Coast average of $258.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong 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.
04The price has already moved
Listed at $199,000, now $198,500 — a $500 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PALM COAST REAL ESTATE COMPANY · Beverly McGowan. MLS #FC317499.
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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