57 OSPREY CIRCLE, PALM COAST, FL, 32137
Active47 days on marketListed Jun 5, 2026MLS #FC319075
About this home
57 OSPREY CIRCLE
Experience refined Florida living in this beautifully maintained Arthur Rutenberg Portofino II Modified, a gently loved part-time residence that showcases exceptional craftsmanship, thoughtful design, and stunning lakefront sunsets. Designed for both everyday comfort and elegant entertaining, this custom home offers an impressive collection of upgrades and features throughout. The spacious floor plan includes a dedicated movie theater that can easily be converted into a fourth bedroom if desired, along with a private office enhanced by a striking glass wall that also serves as a sophisticated wine room. The formal dining room features custom built-in storage, adding both beauty and functionality. The heart of the home boasts solid wood cabinetry with pullouts, under-cabinet lighting, and premium finishes, while surround sound throughout creates the perfect atmosphere for entertaining or relaxing. Car enthusiasts and hobbyists will appreciate the truly oversized garage, offering space for nearly 3 cars or 2 cars with exceptional storage and workspace. The large paver driveway offers incredible width for ample parking as well. Step outside to your private backyard retreat where a sparkling pool and hot tub overlook a tranquil lake with coveted western exposure, delivering breathtaking sunset views night after night. The expansive lanai is complete with an outdoor kitchen and propane fireplace, creating the ultimate setting for year-round outdoor living. Located within the sought-after gated community of Grand Haven, this meticulously cared-for custom home offers a rare opportunity to enjoy luxury, privacy, and timeless design in one of Palm Coast's premier neighborhoods. Grand Haven offers terrific amenities included in the HOA fee, two heated pools, two spas, two fitness centers, har-tru tennis courts, bocce ball, volleyball, croquet, basketball, a friendly cafe, a tiki bar, a dog park, & beautiful trails including the esplanade along the intracoastal. The Jack Nicklaus golf course in the community also offers a full golf membership as well as a social membership. Check out our 3-D floor plan & walk through video. There are two different tour links. Roof was replaced December 2021. Home can be sold furnished.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
3,093
Sqft
0.26 ac
Lot size
2
Garage
2003
Year built
One
Levels
$288
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.
$5,716 /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
$5,716/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
−19.5%
Days on market
47 vs 47 typical
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 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 134% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
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 57 OSPREY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 57 OSPREY CIRCLE — 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
57 OSPREY CIRCLE FAQs
What would the monthly payment be for 57 OSPREY CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,716/mo — principal and interest, the actual property-tax bill, the $15/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 57 OSPREY CIRCLE?+
The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 57 OSPREY CIRCLE?+
The most recent tax bill on record (2025) was $4,860. 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 57 OSPREY CIRCLE?+
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 $890,000, this home is listed about 125% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 57 OSPREY CIRCLE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$890,000 runs 134% above the PALM COAST 32137 median — but at 3,093 sqft it's also 64% 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.
03Strong assigned schools
Old Kings Elementary School, Indian Trails Middle School, Matanzas High School — Old Kings Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of RE/MAX SELECT PROFESSIONALS · Crystal Cain. MLS #FC319075.
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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