44 CLUBHOUSE DRIVE UNIT 105, PALM COAST, FL, 32137
Active32 days on marketListed Jul 8, 2026MLS #FC319822
About this home
44 CLUBHOUSE DRIVE UNIT 105
Enjoy some of the best waterfront views in the community from this beautifully updated townhome-style condo on the saltwater canal. This move-in-ready home has been thoughtfully updated in recent years and features a gorgeous kitchen with tile backsplash and stainless steel appliances, updated bathrooms, modern lighting and fixtures, newer tile flooring downstairs, wood-look laminate flooring upstairs, and washer/dryer. The spacious floor plan offers comfortable living with the kitchen, great room, and half bath located on the main level, while both bedrooms and the full bathroom are privately situated upstairs. Large windows and sliding glass doors fill the home with natural light, and you'll enjoy both a covered patio and a private upstairs balcony to take in the peaceful waterfront setting. Residents enjoy resort-style amenities including a community clubhouse and swimming pool. Low-maintenance living is made easy with WATER, CABLE, LANDSCAPING, and GARBAGE service all INCLUDED in the rent. Available now!
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,127
Sqft
0 ac
Lot size
1977
Year built
Two
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$172 /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
$172/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs PALM HARBOR
$2 vs $241
Days on market
32 vs 49 typical
Where $2/sqft sits among the 23 homes for sale in PALM HARBOR
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 Harbor
Get to know Palm Coast. See the full Palm Coast guide →
Palm Harbor — neighborhood snapshot
Population
16,621
Median age
57
Median income
$73,524
Median home value
$373,781
Avg household
2
Households w/ children
1,152
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)
13 of 23
PALM HARBOR have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% 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 44 CLUBHOUSE DRIVE UNIT 105
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$299,999
16 FRENORA LANE · same community
3 bd · 2 ba · 1,480 sqft · $203/sqft · 66 DOM
Sold · Jul ’26$365,000
11 FLAT ROCK LANE · same community
3 bd · 2 ba · 1,514 sqft · $241/sqft · 165 DOM
Sold · Jan ’26$385,000
127 FORRESTER PLACE · same community
3 bd · 2 ba · 1,572 sqft · $245/sqft · 10 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 44 CLUBHOUSE DRIVE UNIT 105 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 44 CLUBHOUSE DRIVE UNIT 105 — 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
44 CLUBHOUSE DRIVE UNIT 105 FAQs
What would the monthly payment be for 44 CLUBHOUSE DRIVE UNIT 105?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $172/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 44 CLUBHOUSE DRIVE UNIT 105?+
The listing reports pets: No. 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 $1,700, this home is listed about 100% below the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 44 CLUBHOUSE DRIVE UNIT 105?+
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
01Under the PALM COAST 32137 market on paper
$1,700 is 100% below the PALM COAST 32137 median of $384,450, and at $2/sqft it sits under the Palm Coast average of $259.
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.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES UMPENHOUR INC · Savannah Umpenhour. MLS #FC319822.
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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