165 WILLOW OAK WAY, PALM COAST, FL, 32137
Active46 days on marketListed Jun 8, 2026MLS #FC318868
About this home
165 WILLOW OAK WAY
SELLER FINANCING AVAILABLE. 1+- ACRE ESTATE HOMESITE in Grand Haven's Wild Oaks neighborhood. This beautifully wooded homesite adorned with majestic oaks and hardwoods offers a natural surround and privacy within this luxury community. Grand Haven's esteemed builders will help create your dream home. Residents may enjoy Grand Haven's many amenities including two fitness centers, scenic walking trails, bike paths along the Intracoastal Waterway, tennis courts, pickleball, bocce, and two croquet courts and more! Additionally, a renowned Jack Nicklaus Signature Golf Course is available for those seeking a separate membership.
Facts & features
The home at a glance
0.92 ac
Lot size
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.
$1,961 /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
$1,961/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.
Where it sits
Inside Grand Haven
Get to know Palm Coast. See the full Palm Coast guide →
Grand Haven — neighborhood snapshot
Population
3,308
Median age
65
Median income
$88,771
Median home value
$468,511
Avg household
2
Households w/ children
182
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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 35% 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 165 WILLOW OAK WAY
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$218,000
27 BLAINE TREE PLACE
2 bd · 2 ba · 1,150 sqft · $190/sqft · 66 DOM
Sold · Oct ’25$285,000
26 BLACK BEAR LANE
3 bd · 2 ba · 1,175 sqft · $243/sqft · 0 DOM
Sold · Dec ’25$215,000
10 BLACKWOOD COURT
3 bd · 2 ba · 1,200 sqft · $179/sqft · 2 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 165 WILLOW OAK WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 165 WILLOW OAK WAY — 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
165 WILLOW OAK WAY FAQs
What would the monthly payment be for 165 WILLOW OAK WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,961/mo — principal and interest, the actual property-tax bill, the $14/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 165 WILLOW OAK WAY?+
The association fee works out to $14 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 165 WILLOW OAK WAY?+
The most recent tax bill on record (2024) was $2,614. 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 165 WILLOW OAK WAY?+
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 $248,000, this home is listed about 37% below the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 165 WILLOW OAK WAY?+
Old Kings Elementary School (elementary), Indian Trails Middle School (middle), Matanzas High School (high) — Flagler County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Lisa Gardner. MLS #FC318868.
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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