102 YACHT HARBOR DRIVE UNIT 176, PALM COAST, FL, 32137
Active167 days on marketListed Feb 26, 2026MLS #NS1087411
About this home
102 YACHT HARBOR DRIVE UNIT 176
Experience effortless coastal elegance and proven income potential in this fully updated first floor unit in the highly desired Yacht Harbor Village. Offering direct balcony access to the resort style pool, this residence blends comfort, convenience, and true waterfront lifestyle in one of Palm Coast’s most desirable Intracoastal communities. Fully Renovated in 2023, The interior has been beautifully refreshed with luxury vinyl plank flooring throughout, granite countertops, upgraded cabinets and a modern chef’s kitchen that opens seamlessly into the living and dining areas. Natural light enhances the coastal finishes, creating a bright and inviting space designed for both relaxation and entertaining. Being offered fully furnished (valued at over $20,000) this property is completely turnkey and currently enrolled in the Hammock Beach rental program, featuring two years of rental history along with future bookings that transfer to the new owner. Continue generating income immediately or enjoy the flexibility of personal use while maintaining a proven revenue stream. Yacht Harbor residents enjoy gated entry, marina access with boat slips available for vessels up to 100 feet, scenic walking trails, and proximity to Hammock Beach. An optional Hammock Beach Membership provides access to private beach entry, two championship 18-hole golf courses, multiple dining venues, and luxury resort amenities. Whether you’re seeking a personal retreat, seasonal getaway, or investment opportunity, this riverfront condo delivers lifestyle, location, and income potential all in one.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,570
Sqft
0.33 ac
Lot size
1
Garage
2006
Year built
Multi/Split
Levels
$334
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.
$3,886 /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
$3,886/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
+24.3%
$/sqft vs NOT ASSIGNED
$334 vs $197
Days on market
167 vs 49 typical
Where $334/sqft sits among the 13 homes for sale in NOT ASSIGNED
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)
7 of 13
NOT ASSIGNED have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% 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 102 YACHT HARBOR DRIVE UNIT 176
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$299,900
3639 NE 80TH AVENUE · same community
3 bd · 2 ba · 1,728 sqft · $174/sqft · 16 DOM
Sold · Nov ’25$182,300
20016 SE 219TH AVENUE · same community
3 bd · 1 ba · 1,880 sqft · $97/sqft · 64 DOM
Sold · Aug ’26$169,000
116 TYLER AVENUE · same community
3 bd · 2 ba · 1,216 sqft · $139/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 102 YACHT HARBOR DRIVE UNIT 176 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 102 YACHT HARBOR DRIVE UNIT 176 — 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
102 YACHT HARBOR DRIVE UNIT 176 FAQs
What would the monthly payment be for 102 YACHT HARBOR DRIVE UNIT 176?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,886/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 102 YACHT HARBOR DRIVE UNIT 176?+
The most recent tax bill on record (2025) was $4,837. 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 102 YACHT HARBOR DRIVE UNIT 176?+
The listing reports pets: Size Limit, 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 $525,000, this home is listed about 32% above the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 102 YACHT HARBOR DRIVE UNIT 176?+
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
$525,000 runs 38% 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.
03Time on market is leverage
167 days on market against a Palm Coast median of 49 — sellers in this position are usually ready to negotiate.
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 LPT REALTY, LLC · Dylan Smith. MLS #NS1087411.
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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