196 FRONTIER DRIVE, PALM COAST, FL, 32137
Active3 days on marketListed Jul 21, 2026MLS #FC319889
About this home
196 FRONTIER DRIVE
Why wait to build when you can move right into this 2023-built home? Located in the desirable Palm Harbor, this 4-bedroom, 2-bathroom residence offers 1,652 square feet of thoughtfully designed living space on a spacious 10,000-square-foot lot. The open-concept floor plan creates a seamless flow between the kitchen, dining, and living areas, making everyday living and entertaining both comfortable and convenient. The split-bedroom layout provides privacy for the owner's suite while offering flexibility for family members, guests, or a home office. Built in 2023, this home offers the advantages of newer construction without the delays, rising costs, and uncertainty of building. Enjoy modern finishes, a functional layout, and low-maintenance living from day one. With no HOA fees or restrictions, you'll have the freedom to enjoy your property your way. Conveniently located near schools, shopping, dining, medical facilities, parks, golf courses, and just a short drive to Flagler County's beautiful beaches, this move-in-ready home is an excellent opportunity for anyone seeking the Florida lifestyle. Don't miss your chance to own a newer home in one of Palm Coast's most convenient location. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,652
Sqft
0.23 ac
Lot size
2
Garage
2023
Year built
One
Levels
$209
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 — not generic estimates.
$2,708 /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
$2,708/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.
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
+4.3%
$/sqft vs PALM HARBOR
$209 vs $244
Days on market
3 vs 47 typical
Where $209/sqft sits among the 22 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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
14 of 22
PALM HARBOR have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% 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 196 FRONTIER DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$380,000
20 FIRETHORN LANE · same community
3 bd · 2 ba · 1,626 sqft · $234/sqft · 42 DOM
Sold · Jan ’26$325,000
83 CLUB HOUSE DRIVE · same community
2 bd · 2 ba · 1,617 sqft · $201/sqft · 158 DOM
Sold · Mar ’26$365,000
14 FRENORA LANE · same community
3 bd · 2 ba · 1,588 sqft · $230/sqft · 111 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 196 FRONTIER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 196 FRONTIER 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
196 FRONTIER DRIVE FAQs
What would the monthly payment be for 196 FRONTIER DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,708/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 196 FRONTIER DRIVE?+
The most recent tax bill on record (2025) was $4,386. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Coast?+
At $344,900, this home is listed about 13% 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 196 FRONTIER 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
01Under the PALM COAST 32137 market on paper
$344,900 is 9% below the PALM COAST 32137 median of $379,990, and at $209/sqft it sits under the Palm Coast average of $257.
02Fresh on the market
Only 3 days on market in a Palm Coast market that averages 47 — if it fits, move quickly.
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 · Natalie Martinez. MLS #FC319889.
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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