120 DEL PALMA DRIVE, PALM COAST, FL, 32137
Active42 days on marketListed Jun 22, 2026MLS #FC319459
Come see it
Upcoming open house
Sun, Aug 9
1:00 PM – 3:00 PM
This is your opportunity to stop by Marina Del Palma, and check out a beautiful brand new home! The gates of the neighborhood will be open!
About this home
120 DEL PALMA DRIVE
Virtually Staged. Experience luxury coastal living in this brand-new, award-winning model home, built by Blue Water Homes, where exceptional craftsmanship and thoughtful design create a truly unforgettable residence. Offering 3 bedrooms, 3 bathrooms, and designer finishes throughout, every detail has been carefully curated to blend elegance, comfort, and functionality. The gourmet kitchen serves as the heart of the home, featuring custom cabinetry, Level 5 granite countertops, premium appliances, an oversized island, and a walk-in pantry complete with a built-in coffee bar and automatic lighting. Entertain effortlessly in the dining area, enhanced by a wet bar with beverage refrigerator and ice maker, while the custom drop zone near the entry provides built-in cabinetry, floating shelves, and convenient coat storage. The spacious great room showcases a dramatic porcelain-clad electric fireplace and seamlessly connects to the outdoor living space through expansive sliding glass doors. Retreat to the luxurious primary suite, a private sanctuary designed for relaxation, featuring an extraordinary custom walk-in closet with boutique-style glass-front cabinetry, illuminated shelving, extensive built-ins, and abundant storage. The spa-inspired primary bath offers a freestanding soaking tub, oversized walk-in shower with dual shower heads, designer tile extending to the ceiling, dual vanities, illuminated mirrors, and high-end fixtures throughout. Guests will appreciate two beautifully appointed secondary baths showcasing custom cabinetry, designer granite countertops, frameless glass showers, and elegant tile selections. Outdoor living is equally impressive with a motorized screened lanai, summer kitchen with propane grill, outdoor shower, all focused around the beautiful heated saltwater pool & spa with sunshelf, bubbler, and paver pool deck, all built by Blue Water Pools! Additional features include a tile roof, paver driveway, epoxy-coated garage floors, pull-down attic stairs with additional storage space, custom built-ins throughout, automatic lighting in the pantry and laundry room, and countless luxury upgrades. Located in a highly desirable gated waterfront community with low HOA dues, residents enjoy dry boat storage and concierge service included, making it easy to embrace the ultimate Florida lifestyle. This exceptional residence offers the perfect combination of luxury design, thoughtful functionality, and resort-style living.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,288
Sqft
0.15 ac
Lot size
2
Garage
2026
Year built
One
Levels
$404
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.
$6,014 /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
$6,014/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
+45%
$/sqft vs Palm Coast actives
$404 vs $219
Days on market
42 vs 47 typical
Where $404/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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
168 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 143% 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 120 DEL PALMA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$641,000
77 DEL PALMA DRIVE · same community
4 bd · 3 ba · 2,158 sqft · $297/sqft · 172 DOM
Sold · May ’26$535,000
11 RIO VISTA DRIVE · same community
3 bd · 2 ba · 2,020 sqft · $265/sqft · 533 DOM
Sold · Dec ’25$950,000
96 DEL PALMA DRIVE · same community
3 bd · 2.5 ba · 2,572 sqft · $369/sqft · 21 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 120 DEL PALMA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 120 DEL PALMA 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
120 DEL PALMA DRIVE FAQs
What would the monthly payment be for 120 DEL PALMA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,014/mo — principal and interest, the actual property-tax bill, the $355/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 120 DEL PALMA DRIVE?+
The association fee works out to $355 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 120 DEL PALMA DRIVE?+
The most recent tax bill on record (2025) was $1,936. 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 120 DEL PALMA 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 $925,000, this home is listed about 134% 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 120 DEL PALMA 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
$925,000 runs 143% above the PALM COAST 32137 median — but at 2,288 sqft it's also 22% 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
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 $950,000, now $925,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KEY REALTY OF FLAGLER COUNTY · Vanessa Blaine. MLS #FC319459.
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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