46 CLUB HOUSE DRIVE UNIT 108, PALM COAST, FL, 32137
Active350 days on marketListed Aug 29, 2025MLS #NS1085843
About this home
46 CLUB HOUSE DRIVE UNIT 108
One or more photo(s) has been virtually staged. PRICE REDUCTION! Ground floor New Roof on Building! Concrete Patio with Canal View! 2-bedroom, 2-bath condo beautifully renovated with 2023 Lennox HVAC for comfort and efficiency in the 986 sq ft living space. The fully renovated kitchen features modern light gray cabinetry, stylish countertops, and New stainless-steel range and microwave. Contemporary luxury vinyl plank flooring flows throughout the open dining and living area, where sliding glass doors lead to two private concrete patios with view of the saltwater canal. The spacious primary suite with covered patio and canal view, a large walk-in closet, and updated ensuite bath. The second bedroom has a renovated full bath with tub/shower combo. Freshly painted in light, bright tones, this home also features tile floors in the kitchen and baths and ceiling fans. The Palm Club community offers resort-style amenities including a pool and clubhouse. The $522 monthly fee includes water, trash, cable, internet, pest control, maintenance of the building exterior, pool and clubhouse. A public golf course is across the street enhancing the Florida lifestyle. Enjoy comfort, style, and location — all in the heart of Palm Coast!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
986
Sqft
0.03 ac
Lot size
1977
Year built
One
Levels
$193
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.
$1,999 /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
$1,999/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
+11.7%
$/sqft vs Palm Coast actives
$193 vs $223
Days on market
350 vs 49 typical
Where $193/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
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
205 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 50% 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 46 CLUB HOUSE DRIVE UNIT 108
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$199,000
46 CLUB HOUSE DRIVE UNIT 103 · same community
2 bd · 2 ba · 986 sqft · $202/sqft · 4 DOM
Sold · Oct ’25$215,000
42 CLUB HOUSE DRIVE UNIT 104 · same community
2 bd · 2 ba · 986 sqft · $218/sqft · 18 DOM
Sold · Apr ’26$150,000
54 CLUB HOUSE DRIVE UNIT 107 · same community
1 bd · 1 ba · 665 sqft · $226/sqft · 220 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 46 CLUB HOUSE DRIVE UNIT 108 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 46 CLUB HOUSE DRIVE UNIT 108 — 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
46 CLUB HOUSE DRIVE UNIT 108 FAQs
What would the monthly payment be for 46 CLUB HOUSE DRIVE UNIT 108?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,999/mo — principal and interest, the actual property-tax bill, the $522/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 46 CLUB HOUSE DRIVE UNIT 108?+
The association fee works out to $522 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 46 CLUB HOUSE DRIVE UNIT 108?+
The most recent tax bill on record (2024) was $1,377. 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 46 CLUB HOUSE DRIVE UNIT 108?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit. 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 $189,999, this home is listed about 52% below the Palm Coast median of $399,450. The market section on this page shows how the area is trending.
Which schools are assigned to 46 CLUB HOUSE DRIVE UNIT 108?+
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
Five things that matter here
01Under the PALM COAST 32137 market on paper
$189,999 is 50% below the PALM COAST 32137 median of $379,900, and at $193/sqft it sits under the Palm Coast average of $257.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $522/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
350 days on market against a Palm Coast median of 49 — sellers in this position are usually ready to negotiate.
05Strong 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 REALTY INVESTMENTS · Kathy Summers. MLS #NS1085843.
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.
Never miss a listing
New Palm Coast homes, in your inbox
Like 46 CLUB HOUSE DRIVE UNIT 108 but not quite? A daily digest of every new listing in Palm Coast — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →