200 BELLA HARBOR COURT UNIT 113, PALM COAST, FL, 32137
Active94 days on marketListed May 6, 2026MLS #FC318281
About this home
200 BELLA HARBOR COURT UNIT 113
Welcome to your luxury penthouse retreat in Bella Harbor, ideally located along the Intracoastal Waterway in the heart of Palm Coast. This spacious 3-bedroom, 2.5-bath residence offers over 2,300 square feet of living space with soaring ceilings, an open-concept layout, and abundant natural light. Enjoy a beautifully designed kitchen with ample cabinetry and workspace, flowing seamlessly into the expansive living and dining areas—perfect for entertaining or relaxing. The generously sized bedrooms provide comfort and privacy, while the primary suite with a peaceful retreat. Step outside to your private oversized terrace, ideal for enjoying Florida’s coastal lifestyle. Located just minutes from European Village, beaches, dining, and shopping, this community also offers resort-style amenities including a pool and scenic walking areas. Whether you're looking for a full-time residence or a coastal getaway, this rare penthouse opportunity delivers space, location, and lifestyle all in one. Attention: Investors --In 2024 Over $19K, in 2025 Over $15K, and, so far, 2026 Over $14K, plus a secured December Rental. Deeded Boat Slip with 10,000 lb boat lift conveys. SELLER WILL CONSIDER GENEROUR BUYER CONCESSIONS FOR HOA/MONTHLY EXPENSES
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,325
Sqft
0.16 ac
Lot size
2
Garage
2006
Year built
One
Levels
$198
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.
$4,764 /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
$4,764/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
−58.5%
$/sqft vs Palm Coast actives
$198 vs $222
Days on market
94 vs 49 typical
Where $198/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)
193 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 19% 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 200 BELLA HARBOR COURT UNIT 113
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$362,500
300 BELLA HARBOR COURT UNIT 113 · same community
3 bd · 2.5 ba · 2,325 sqft · $156/sqft · 192 DOM
Sold · Jun ’26$274,000
100 BELLA HARBOR COURT UNIT 103 · same community
3 bd · 2 ba · 1,745 sqft · $157/sqft · 292 DOM
Sold · Jul ’26$230,000
200 BELLA HARBOR COURT UNIT 105 · same community
3 bd · 2 ba · 1,745 sqft · $132/sqft · 58 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 200 BELLA HARBOR COURT UNIT 113 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 200 BELLA HARBOR COURT UNIT 113 — 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
200 BELLA HARBOR COURT UNIT 113 FAQs
What would the monthly payment be for 200 BELLA HARBOR COURT UNIT 113?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,764/mo — principal and interest, the actual property-tax bill, the $1,142/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 200 BELLA HARBOR COURT UNIT 113?+
The association fee works out to $1,142 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 200 BELLA HARBOR COURT UNIT 113?+
The most recent tax bill on record (2024) was $6,604. 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 200 BELLA HARBOR COURT UNIT 113?+
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 $460,000, this home is listed about 15% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 200 BELLA HARBOR COURT UNIT 113?+
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
$460,000 runs 19% above the PALM COAST 32137 median — but at 2,325 sqft it's also 23% larger than the typical Palm Coast listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,142/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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 $485,000, now $460,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EPIQUE REALTY INC. · Denise Wittmer. MLS #FC318281.
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 200 BELLA HARBOR COURT UNIT 113 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 →