102 YACHT HARBOR DRIVE UNIT 371, PALM COAST, FL, 32137
Active91 days on marketListed May 8, 2026MLS #FC318344
About this home
102 YACHT HARBOR DRIVE UNIT 371
Beautifully positioned on the 3rd floor, this Yacht Harbor condominium offers 3 bedrooms, 3 full bathrooms, and a desirable split floor plan with each bedroom enjoying access to its own private bath. A Hammock Beach Golf Resort & Spa Club membership with a VALUE OF $18K will convey to the buyer at $0 at closing along with a transferable home warranty. Encompassing approximately 1,918 square feet of living space, this residence captures stunning views of the Intracoastal Waterway, where sailboats, yachts, and dolphin wildlife create an ever-changing coastal backdrop. The oversized balcony provides the perfect setting to relax and enjoy the waterfront lifestyle, while views of the private marina welcome you from the front entry. THOUGHTFULLY UPDATED, the condominium features new luxury vinyl plank coastal flooring throughout the living room, dining room, and kitchen. Both the primary suite and third bedroom enjoy beautiful Intracoastal views and private ensuite bathrooms. The second bedroom also offers private access to its own full bath, which additionally functions as a guest bathroom. The third bedroom ensuite bathroom has been RENOVATED with all new furnishings, fixtures, and flooring. The kitchen has also been FULLY RENOVATED and showcases new cabinetry with increased cabinet storage and functionality, stone countertops, new S/S appliances, a new Kinetico water filtration system, and a stylish backsplash, creating a fresh and inviting coastal aesthetic. A separate dining room adds flexibility for entertaining and everyday living while complementing the spacious open layout. In addition, the residence includes a transferable home warranty, providing added peace of mind for the new owner. Short-term and long-term rental opportunities are permitted, offering flexibility for personal use, seasonal enjoyment, or investment potential. Whether enjoyed as a primary residence, seasonal retreat, or investment opportunity, this exceptional waterfront condominium offers the perfect blend of coastal elegance, resort-style living, and the relaxed luxury of the Florida lifestyle. Club membership provides access to an exceptional array of amenities, including two championship golf courses, resort-style pools, fitness facilities, dining venues, and the tennis and pickleball amenities conveniently located directly across the street within the community.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,918
Sqft
0.34 ac
Lot size
1
Garage
2006
Year built
One
Levels
$352
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.
$4,454 /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
$4,454/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.
vs edgeAI estimate
−18%
$/sqft vs Palm Coast actives
$352 vs $222
Days on market
91 vs 50 typical
Where $352/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)
185 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 76% 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 102 YACHT HARBOR DRIVE UNIT 371
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$575,000
102 YACHT HARBOR DRIVE UNIT 361 · same community
3 bd · 3 ba · 1,918 sqft · $300/sqft · 563 DOM
Sold · Aug ’25$618,000
102 YACHT HARBOR DRIVE UNIT 470 · same community
3 bd · 3 ba · 1,918 sqft · $322/sqft · 137 DOM
Sold · Nov ’25$399,000
102 YACHT HARBOR DRIVE UNIT 465 · same community
2 bd · 2 ba · 1,570 sqft · $254/sqft · 6 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 102 YACHT HARBOR DRIVE UNIT 371 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 102 YACHT HARBOR DRIVE UNIT 371 — 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
102 YACHT HARBOR DRIVE UNIT 371 FAQs
What would the monthly payment be for 102 YACHT HARBOR DRIVE UNIT 371?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,454/mo — principal and interest, the actual property-tax bill, the $140/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 102 YACHT HARBOR DRIVE UNIT 371?+
The association fee works out to $140 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 102 YACHT HARBOR DRIVE UNIT 371?+
The most recent tax bill on record (2025) was $3,113. 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 102 YACHT HARBOR DRIVE UNIT 371?+
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 $674,900, this home is listed about 69% 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 102 YACHT HARBOR DRIVE UNIT 371?+
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
$674,900 runs 76% above the PALM COAST 32137 median.
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 $679,000, now $674,900 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ONE SOTHEBYS INTERNATIONAL · Karla Goodman. MLS #FC318344.
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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