David Ramirez
$449,9003 bd2 ba1,597 sqft$282 /sqft$3,330 /mo all-in ↓

98 WESTGRILL DRIVE, PALM COAST, FL, 32164

Active12 days on marketListed Jul 12, 2026MLS #FC319904

WaterfrontPrivate poolSingle Family ResidenceDEERWOOD REP BLK 20 PINE LAKES GOLF COURSE

Come see it

Upcoming open house

Sat, Jul 25

11:00 AM – 2:00 PM

About this home

98 WESTGRILL DRIVE

Imagine ending every day with a sunset swim, dinner from your outdoor kitchen, and peaceful waterfront views from your own backyard. Welcome to one of Palm Coast's most beautifully renovated freshwater canal pool homes. Located in desirable Pine Lakes community. From the moment you arrive, the attention to detail is undeniable. Fresh landscaping accented with landscape lighting, decorative concrete curbing, mature plantings, a striking new fiberglass front entry door, designer exterior lighting, and permanent app-controlled Gem Lights create exceptional curb appeal both day and night. Inside, nearly every space has been thoughtfully transformed. The bright, open floor plan showcases designer lighting throughout, crown molding, custom blinds, upgraded ceiling fans, custom closet systems, and a stunning feature wall complete with an electric fireplace and ambient accent lighting that serves as the focal point of the living room. The beautifully renovated kitchen blends style with functionality, featuring gorgeous quartz countertops, custom painted cabinetry with updated hardware, designer tile backsplash, new sink and faucet, and a full suite of GE Profile stainless appliances including an Air Fry/Convection range. The owner's suite offers a peaceful retreat with a custom-designed walk-in closet and a beautifully refreshed ensuite featuring quartz countertops, updated fixtures, decorative wall treatments, and refined finishes. The guest bathroom has been completely reimagined with a luxurious soaking tub, custom glass enclosure, updated vanity, fixtures, lighting, and designer details. Step outside and discover what truly sets this property apart. The expansive screened lanai becomes a true extension of the home's living space, creating an incredible setting for entertaining or everyday relaxation. The resurfaced pool sparkles alongside a beautifully refinished pool deck, while the brand-new outdoor kitchen featuring a premium Coyote grill, Monte Alpi refrigerator, and generous storage makes outdoor dining effortless. Whether hosting family gatherings, watching football by the pool, or enjoying a quiet evening under the stars, this backyard was designed to be lived in. Beyond the pool, a newly installed aluminum fence frames the peaceful freshwater canal while preserving the beautiful water views. Direct access to the canal provides the opportunity to add your own private dock, opening the door to kayaking, fishing right from your backyard. Equally impressive are the countless behind-the-scenes improvements that add long-term value and convenience, including a new variable-speed Jandy pool pump, water softener, Ecobee smart thermostat, Blink security system with doorbell and exterior cameras, insulated garage door with windows, smart garage door opener, polyaspartic-coated garage floor, resurfaced lanai, upgraded laundry room, and numerous smart-home features designed for today's lifestyle. Located just minutes from Flagler Beach, shopping, dining, parks, golf courses, medical facilities, and Interstate 95, residents enjoy easy access to historic St. Augustine, Daytona Beach, and all that Palm Coast has become known for including more than 130 miles of scenic walking and biking trails and more. Beautifully renovated, meticulously maintained, and thoughtfully upgraded from top to bottom, this is far more than a home, it is a lifestyle.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,597

Sqft

0.26 ac

Lot size

2

Garage

2003

Year built

One

Levels

$282

Per sqft

Private poolWaterfrontFireplacePool & Water viewNegotiable

Inside

FlooringLaminate · Tile
AppliancesCooktop · Dishwasher · Disposal · Electric Water Heater · Ice Maker · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Primary Bedroom Main Floor · Split Bedroom · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewPool · Water
FacesSouth
ParkingGarage Door Opener · Oversized
ExteriorOther

Community & fees

Taxes (2025)$3,864/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Phone Available · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,330 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property tax — 2025 actual bill$322
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,747Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,747
Interest rate6.00%
Loan term

Estimated payment

$3,330/mo

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property taxes (actual bill)$322
Est. insurance$160

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.

List $450K
$352KedgeAI estimate $370,504 · range $367K$380K$468K

vs edgeAI estimate

+21.4%

$/sqft vs Palm Coast actives

$282 vs $223

Days on market

12 vs 47 typical

Where $282/sqft sits among the 400 Palm Coast actives

186
90
37 · this home
34
21
32
$159–217$217–274$274–332$332–390$390–447$447+

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 Pine Lakes

Map of 98 WESTGRILL DRIVE inside its neighborhood boundary

Get to know Palm Coast. See the full Palm Coast guide →

Pine Lakes — neighborhood snapshot

Population

12,061

Median age

54

Median income

$75,387

Median home value

$315,200

Avg household

2

Households w/ children

868

For the school run

Flagler County School District

MiddleBuddy Taylor Middle School★★★★★
ElementaryRymfire Elementary School★★★★★
HighFlagler-Palm Coast High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketBalanced5.8 months of inventoryBuyer’s market

$353K$373K

Palm Coast median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

172 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 32% above the PALM COAST 32164 median. See the full Palm Coast market guide →

Paper trail

This home's history

Jul 12, 2026Listed at $449,900 · 12 days on market since
2003Built · DEERWOOD REP BLK 20 PINE LAKES GOLF COURSE

Reality check

What actually sold near 98 WESTGRILL DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

35 WESTGATE LANESold · Dec ’25

$295,000

35 WESTGATE LANE · same community

3 bd · 2 ba · 1,614 sqft · $183/sqft · 69 DOM

10 WESTFORD LANESold · Feb ’26

$250,000

10 WESTFORD LANE · same community

2 bd · 2 ba · 1,568 sqft · $159/sqft · 8 DOM

132 WESTGRILL DRIVESold · Jun ’26

$175,000

132 WESTGRILL DRIVE · same community

3 bd · 2 ba · 1,630 sqft · $107/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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 98 WESTGRILL DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 98 WESTGRILL 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.

Goes straight to David’s phone and CRM.

Straight answers

98 WESTGRILL DRIVE FAQs

What would the monthly payment be for 98 WESTGRILL DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,330/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 98 WESTGRILL DRIVE?+

The most recent tax bill on record (2025) was $3,864. 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 $449,900, this home is listed about 14% 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 98 WESTGRILL DRIVE?+

Buddy Taylor Middle School (middle), Rymfire Elementary School (elementary), Flagler-Palm Coast High School (high) — Flagler County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of KELLER WILLIAMS RLTY FL. PARTN · BJ Patton. MLS #FC319904.

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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