18 SAN RAFAEL COURT, PALM COAST, FL, 32137
Active1 days on marketListed Aug 7, 2026MLS #FC320540
About this home
18 SAN RAFAEL COURT
Live Where Others Come to Vacation Discover refined and unique coastal living at Lakeside at Matanzas Shores, an exceptional gated waterfront community positioned between the Atlantic Ocean and Intracoastal Waterway. Resort-style amenities and private beach access come together in a location that is extraordinarily difficult to replicate—especially at this price point. This beautifully updated, move-in-ready, three-bedroom, two-bath lakefront residence offers approximately 1,832 square feet, with a thoughtfully designed split floor plan, high ceilings, and effortless indoor-outdoor Florida living. Recent improvements include new interior and exterior paint, wood floors in bedrooms, granite countertops, and a fully remodeled guest bathroom. The primary suite is a private waterfront sanctuary. Sliding glass doors open to the serene screened patio and frame captivating lake views. A huge walk-in closet provides exceptional storage, while the oversized, spa-inspired ensuite features double vanities, a soaking tub, and a separate walk-in shower. The waterfront backyard is equally special. Step outside to your own private dock for fishing, relaxing, and birdwatching. Enjoy morning coffee while herons, egrets, and other Florida birds move across the water, or unwind in the evening surrounded by the peaceful lake setting. Beyond your backyard, scenic pathways lead through a remarkable 102-acre nature preserve to the community's private Intracoastal pier. Fish, watch birds and boats cruise the Matanzas River, kayak, paddleboard, or simply enjoy the natural beauty of Old Florida. The community continues oceanside with private beach access to a spectacular stretch of Atlantic coastline known for its distinctive coquina rock formations. Enjoy the oceanfront clubhouse and heated pool, then spend the afternoon on the beach with the Atlantic as your playground. Resort-style amenities include multiple swimming pools, golf, tennis, pickleball, shuffleboard, walking and biking trails, fishing, kayaking, paddleboarding, Intracoastal access, clubhouse facilities, and private beach access. Located next to Washington Oaks Gardens State Park, the setting feels like a tropical destination. Enjoy the serenity of Palm Coast while being ideally positioned between historic St. Augustine and vibrant Daytona Beach. This exceptional coastal location puts an impressive variety of attractions, restaurants, waterfront dining, bars, entertainment, shopping, medical offices, and services within convenient reach. Spend the day exploring St. Augustine's historic attractions and dining scene, enjoy Daytona Beach's entertainment and shopping, then return home to the privacy and tranquility of your waterfront retreat. Additional features include concrete-block construction, interior and exterior professional painted 2026, HVAC replaced in 2021, water heater replaced in 2024, and Flood Zone X. This is more than a home. It is a destination.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,832
Sqft
0.14 ac
Lot size
2
Garage
1996
Year built
One
Levels
$235
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.
$3,379 /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
$3,379/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
−17.2%
$/sqft vs Palm Coast actives
$235 vs $222
Days on market
1 vs 49 typical
Where $235/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 Coast
Get to know Palm Coast. See the full Palm Coast guide →
PALM COAST 32137 — neighborhood snapshot
Population
47,003
Median age
56.5
Median income
$78,731
Median home value
$360,600
Avg household
2.3
Households w/ children
3,437
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)
193 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 12% 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 18 SAN RAFAEL COURT
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
81 SAN JUAN DRIVE · same community
3 bd · 2 ba · 1,844 sqft · $206/sqft · 143 DOM
Sold · Sep ’25$365,000
26 SAN CARLOS DRIVE · same community
3 bd · 2 ba · 1,812 sqft · $201/sqft · 327 DOM
Sold · Jul ’26$399,900
6 SAN MIGUEL COURT · same community
3 bd · 2 ba · 1,590 sqft · $252/sqft · 13 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 18 SAN RAFAEL COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18 SAN RAFAEL COURT — 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
18 SAN RAFAEL COURT FAQs
What would the monthly payment be for 18 SAN RAFAEL COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,379/mo — principal and interest, the actual property-tax bill, the $25/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 18 SAN RAFAEL COURT?+
The association fee works out to $25 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18 SAN RAFAEL COURT?+
The most recent tax bill on record (2025) was $5,669. 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 18 SAN RAFAEL COURT?+
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 $430,000, this home is listed about 8% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 18 SAN RAFAEL COURT?+
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
$430,000 runs 12% above the PALM COAST 32137 median.
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 1 day on market in a Palm Coast market that averages 49 — 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 FLORIDA HOMES REALTY & MORTGAGE · Slava Shmelev. MLS #FC320540.
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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