28 N WATERVIEW DRIVE, PALM COAST, FL, 32137
Pending5 days on marketListed Jul 19, 2026MLS #FC320004
About this home
28 N WATERVIEW DRIVE
Completed in 2018, this exceptional Intracoastal estate offers 3 bedrooms, 3.5 bathrooms, and 3,050 square feet of impeccably designed waterfront living within the gated community of Grand Haven. Blending timeless coastal architecture with refined modern finishes, the residence showcases soaring tray ceilings with custom millwork, wide-plank wood-look tile flooring, expansive windows, and an open-concept floor plan designed to maximize breathtaking Intracoastal views. The chef's kitchen is a true showpiece, featuring an oversized island, custom cabinetry, premium stainless-steel appliances, designer lighting, and abundant workspace, flowing seamlessly into the spacious great room highlighted by a striking floor-to-ceiling stone fireplace. A private office provides the perfect work-from-home retreat, while the luxurious primary suite overlooks the water and offers a spa-inspired bath with dual vanities, an oversized walk-in shower, and generous walk-in closets. Each guest bedroom includes its own en-suite bath, providing exceptional comfort and privacy. Designed for effortless indoor-outdoor living, disappearing glass doors open to an expansive screened lanai complete with multiple covered entertaining areas, a summer kitchen, spa and panoramic Intracoastal views. Beyond the lanai, a beautifully landscaped backyard leads to a private dock with a covered boat lift, offering direct access for boating, fishing, and unforgettable sunrises along the Intracoastal Waterway. Additional highlights include an oversized two-car garage with room for a golf cart, workshop or additional storage, a private irrigation well that helps maintain the lush landscaping while reducing water costs and the peace of mind provided by a whole house generator. Residents enjoy Grand Haven's renowned amenities, including tennis, pickleball, fitness centers, waterfront dining, scenic walking and biking trails, and resort-style pools, all just minutes from Flagler Beach, shopping, dining, and everyday conveniences. Golf memberships are available separately.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
3,050
Sqft
0.41 ac
Lot size
2
Garage
2018
Year built
One
Levels
$508
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.
$10,416 /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
$10,416/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
+35.7%
Days on market
5 vs 47 typical
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 Grand Haven
Get to know Palm Coast. See the full Palm Coast guide →
Grand Haven — neighborhood snapshot
Population
3,308
Median age
65
Median income
$88,771
Median home value
$468,511
Avg household
2
Households w/ children
182
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 308% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
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 28 N WATERVIEW DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28 N WATERVIEW 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
28 N WATERVIEW DRIVE FAQs
What would the monthly payment be for 28 N WATERVIEW DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,416/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 28 N WATERVIEW DRIVE?+
The most recent tax bill on record (2025) was $15,805. 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 28 N WATERVIEW 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 $1,549,000, this home is listed about 292% 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 28 N WATERVIEW DRIVE?+
Old Kings Elementary School (elementary), Indian Trails Middle School (middle), Matanzas High School (high) — 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
$1,549,000 runs 308% above the PALM COAST 32137 median — but at 3,050 sqft it's also 62% larger than the typical Palm Coast listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 5 days on market in a Palm Coast market that averages 47 — if it fits, move quickly.
04Strong assigned schools
Old Kings Elementary School, Indian Trails Middle School, Matanzas High School — Old Kings Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Krista Libby. MLS #FC320004.
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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