224 YACHT HARBOR DRIVE, PALM COAST, FL, 32137
Active95 days on marketListed May 6, 2026MLS #FC318311
About this home
224 YACHT HARBOR DRIVE
Welcome to 224 Yacht Harbor Drive, a stunning waterfront estate offering over 4,100 square feet of refined coastal living space easily accessible by your very own elevator. Perfectly designed for both luxury and lifestyle, this expansive 5-bedroom, 4.5-bath residence captures the essence of elegance just moments from the beach and steps to the marina. From the minute you step inside, you’re greeted by soaring spaces, natural light, and a seamless flow ideal for entertaining. The gourmet kitchen is a true showpiece, featuring premium Monogram appliances, granite counters, solid wood cabinets, generous prep space, and an effortless connection to the main living and dining areas. A well-appointed wet bar adds an extra layer of sophistication, perfect for hosting gatherings or unwinding at the end of the day. Designed to embrace its waterfront setting, the home boasts multiple balconies that offer serene water views and coastal breezes, creating the perfect backdrop for morning coffee or evening sunsets. The spacious primary suite serves as a private retreat with a generous walk-in closet, while additional bedrooms provide spread out comfort and flexibility for guests & family. Step outside to your outdoor kitchen and envision the ultimate backyard oasis—with ample space to design and build your dream swimming pool. Whether entertaining or relaxing, this outdoor setting is ready to become your personal paradise featuring the most beautiful sunsets. This home offers an unmatched blend of luxury, tremendous detail, incredible upgrades, location, and lifestyle which is coastal living at its finest. Located within the waterfront marina community of Yacht Harbor Village, residents enjoy convenient access to the Intracoastal Waterway and are just moments from the community marina. The property is also located near two of the area’s well-known private club communities, Hammock Beach Resort and Hammock Dunes Club, offering nearby golf, beach, and social amenities through separate memberships. This distinctive property combines waterfront living, thoughtful design, and a location that captures the essence of the Intracoastal lifestyle. Vacant lot next door (#226) is available as well for ultimate space & privacy. (Don't forget to check out the video tour, floorplan, & upgrade sheet)
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
4,135
Sqft
0.11 ac
Lot size
2
Garage
2007
Year built
Three Or More
Levels
$360
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.
$10,382 /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
$10,382/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.
$/sqft vs Palm Coast actives
$360 vs $223
Days on market
95 vs 49 typical
Where $360/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 → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
194 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 287% 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 224 YACHT HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$1,400,000
15 SAN GABRIEL LANE
4 bd · 4.5 ba · 4,271 sqft · $328/sqft · 38 DOM
Sold · Oct ’25$2,100,000
28 PORTO MAR UNIT 403
4 bd · 4.5 ba · 3,847 sqft · $546/sqft · 24 DOM
Sold · Sep ’25$1,050,000
7 ATLANTIC PLACE
4 bd · 4.5 ba · 3,823 sqft · $275/sqft · 323 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 224 YACHT HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 224 YACHT HARBOR 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
224 YACHT HARBOR DRIVE FAQs
What would the monthly payment be for 224 YACHT HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,382/mo — principal and interest, the actual property-tax bill, the $307/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 224 YACHT HARBOR DRIVE?+
The association fee works out to $307 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 224 YACHT HARBOR DRIVE?+
The most recent tax bill on record (2025) was $15,865. 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 224 YACHT HARBOR 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 $1,489,000, this home is listed about 273% above the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 224 YACHT HARBOR 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
Four things that matter here
01Positioned at the premium end
$1,489,000 runs 287% above the PALM COAST 32137 median — but at 4,135 sqft it's also nearly twice the size of 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.
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 $1,549,000, now $1,489,000 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX SELECT PROFESSIONALS · Crystal Cain. MLS #FC318311.
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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