8 OLD OAK DRIVE N, PALM COAST, FL, 32137
Active4 days on marketListed Jul 20, 2026MLS #FC320072
About this home
8 OLD OAK DRIVE N
Luxury Waterfront Estate in The Sanctuary – A Boater’s Ultimate Paradise Welcome to your ultimate winter escape or permanent paradise in The Sanctuary, one of Palm Coast’s most exclusive gated communities. Tucked away along the Intracoastal Waterway amidst pristine lakes and winding trails under majestic old oak trees, this spectacular one-story Mediterranean estate offers 2,947 sq. ft. of refined luxury, privacy, and unparalleled waterfront living. Exquisite Interior Living From the paved circular driveway and side-entry 2-car garage, step inside to a breathtaking foyer showcasing 12-foot tray ceilings and a seamless, sun-drenched open floor plan. Featuring 4 spacious bedrooms (one as office space) and 2 bathrooms the home beautifully balances grand entertaining spaces with private retreats. The gourmet kitchen is a chef’s dream, boasting high-end 42” solid wood cabinetry, rich granite countertops, and an intuitive flow into the expansive dining and living areas. Enjoy upscale finishes throughout, including rich ceramic tile and wood flooring in the main living areas, with plush carpet in the bedrooms. The primary suite serves as a peaceful oasis, complete with a spa-like ensuite bath featuring double vanities, an expansive walk-in shower, a separate jacuzzi tub, and a private water closet all opening up to the lanai. A Boater’s Dream Backyard The crown jewel of this estate is its world-class outdoor setup, situated on a deep-water canal with 100 feet of prime frontage and no bridges to the Intracoastal Waterway (Sailboat Country with a ˜ 5.5 ft draft). Host up to a 60’ vessel on one of the community's largest docks (55’ length), or park your dayboat on the 10,000-lb lift inside the covered boathouse (built for up to a 27’ boat). Exceptional Resort-Style Outdoor Entertaining Screened Lanai & Pool: Unwind by the pristine pool or heated in-ground spa, surrounded by a freshly sealed paver deck. Summer Kitchen: Entertain effortlessly with a built-in outdoor refrigerator, sink, and granite bar with comfortable seating. Waterfront Patio: Step outside the screen to a secondary paved patio, perfect for lounging in Adirondack chairs and watching boats glide down the wide canal. Recent Premium Infrastructure Updates Move in with absolute peace of mind knowing the home's big-ticket items have been completely modernized: 2023: New 3-Zone HVAC system & New Pool Pump 2025: New 250-Gallon Propane Tank & New Pool/Spa Heater 2026: Professionally Sealed Exterior Pavers The Ultimate Location & Lifestyle Whether you are a northern retiree looking to escape the cold or seeking a refined luxury second home, The Sanctuary offers a secure, vibrant community of just 175 homes. Enjoy absolute tranquility while remaining just minutes from pristine Atlantic beaches, championship golf courses, and premier shopping. With easy access to I-95, the historic charm of St. Augustine, the energy of Daytona Beach, and metropolitan Jacksonville are all just a short drive away. Opportunities with this caliber of waterfront access, dock size, and pristine condition are truly rare. Schedule your private tour today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,947
Sqft
0.48 ac
Lot size
2
Garage
2010
Year built
One
Levels
$405
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.
$8,212 /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
$8,212/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
+36.5%
$/sqft vs Palm Coast actives
$405 vs $221
Days on market
4 vs 47 typical
Where $405/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 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)
176 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 8 OLD OAK DRIVE N
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$1,425,000
78 OLD OAK DRIVE S · same community
4 bd · 3 ba · 3,011 sqft · $473/sqft · 161 DOM
Sold · Aug ’25$535,000
41 OLD OAK DRIVE S · same community
5 bd · 3.5 ba · 3,290 sqft · $163/sqft · 0 DOM
Sold · Jul ’26$1,205,000
18 OLD OAK DRIVE N · same community
5 bd · 4 ba · 3,420 sqft · $352/sqft · 76 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 8 OLD OAK DRIVE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8 OLD OAK DRIVE N — 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
8 OLD OAK DRIVE N FAQs
What would the monthly payment be for 8 OLD OAK DRIVE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,212/mo — principal and interest, the actual property-tax bill, the $170/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 8 OLD OAK DRIVE N?+
The association fee works out to $170 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8 OLD OAK DRIVE N?+
The most recent tax bill on record (2025) was $11,828. 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 8 OLD OAK DRIVE N?+
The listing reports pets: Cats OK, Dogs OK. 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 $1,195,000, 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 8 OLD OAK DRIVE N?+
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
Four things that matter here
01Positioned at the premium end
$1,195,000 runs 215% above the PALM COAST 32137 median — but at 2,947 sqft it's also 57% larger than the typical Palm Coast listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 4 days on market in a Palm Coast market that averages 47 — if it fits, move quickly.
04Strong 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 COASTAL GATEWAY REAL ESTATE GR · Lisa Gardner. MLS #FC320072.
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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