
23 N RIVERWALK DRIVE, PALM COAST, FL, 32137
Active22 days on marketListed Jul 2, 2026MLS #FC319623
About this home
23 N RIVERWALK DRIVE
One-of-a-kind custom Gold Coast home, tucked within the private, gated community of Palm Coast Plantation. Long paver driveway, tile roof, and elegant double door entry set against refined architecture and landscaping welcome you home. Saltwater heated pool and spa connect to a smart phone-controlled waterfall feature, sitting beneath a panoramic lanai screen overlooking the lush Florida preserve. The expansive pavered pool deck and shaded covered area are complemented by a summer kitchen with sink, mini fridge, and counter seating. Soaring ceilings and tray ceilings pair beautifully with natural light pouring in through the sliding glass door and windows. The open-concept living room centers around a custom fireplace, flowing seamlessly into an elegant kitchen featuring a huge quartz island with storage and seating, solid wood cabinetry, high-end stainless steel appliances, built-in double ovens with air-frying capability, glass cooktop, vent hood, and walk-in pantry. All bedrooms are located on the first floor, each with its own private ensuite bathroom and built-in closet system. The luxurious primary suite offers his and her custom built-in closets, direct access to the outdoor lanai, and a spa-like ensuite with a walk-in tiled rain shower and separate sinks. Private office nestled near the foyer provides a quiet space to work, while a spacious laundry room off the garage entry adds everyday practicality. Oversized upstairs loft with doors offers added privacy, along with a half bathroom and an open balcony overlooking the beautiful preserve. Additional features include a 3-zone HVAC system and full hookup for a whole-house automatic generator. Palm Coast Plantation offers 24-hour guarded gate security along with impressive amenities including a community pool, clubhouse, fitness center, pickleball courts, playground, and intracoastal fishing pier. All within minutes from Flagler Beach, local shopping and dining, and miles of highly rated walking/biking trails.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
3,068
Sqft
0.24 ac
Lot size
2
Garage
2023
Year built
One
Levels
$390
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.
$8,165 /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
$8,165/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
−5.7%
$/sqft vs Palm Coast actives
$390 vs $221
Days on market
22 vs 47 typical
Where $390/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)
177 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 215% 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 23 N RIVERWALK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$554,100
84 S RIVERWALK DRIVE · same community
5 bd · 4.5 ba · 3,869 sqft · $143/sqft · 247 DOM
Sold · Oct ’25$1,100,000
97 S RIVERWALK DRIVE
3 bd · 2.5 ba · 3,032 sqft · $363/sqft · 166 DOM
Sold · Mar ’26$1,075,000
119 S RIVERWALK DRIVE
3 bd · 3.5 ba · 3,109 sqft · $346/sqft · 33 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 23 N RIVERWALK DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 23 N RIVERWALK 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
23 N RIVERWALK DRIVE FAQs
What would the monthly payment be for 23 N RIVERWALK DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,165/mo — principal and interest, the actual property-tax bill, the $239/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 23 N RIVERWALK DRIVE?+
The association fee works out to $239 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 23 N RIVERWALK DRIVE?+
The most recent tax bill on record (2025) was $10,228. 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 23 N RIVERWALK 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 $1,198,000, this home is listed about 203% 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 23 N RIVERWALK 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
Three things that matter here
01Positioned at the premium end
$1,198,000 runs 215% above the PALM COAST 32137 median — but at 3,068 sqft it's also 63% larger than the typical Palm Coast listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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.
Keep looking
Similar homes nearby
Listing courtesy of GRAND LIVING REALTY · Kathryn Koorie. MLS #FC319623.
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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