244 YACHT HARBOR DRIVE, PALM COAST, FL, 32137
Active270 days on marketListed Nov 11, 2025MLS #O6359813
About this home
244 YACHT HARBOR DRIVE
Build Your Dream Waterfront Home in Yacht Harbor Village! Imagine waking up to breathtaking water views every morning from your own custom-built home in the exclusive Yacht Harbor Village at Hammock Beach. This prime ready-to-build waterfront lot is perfectly situated in a guard-gated community offering elegance, privacy, and coastal charm. Yacht Harbor Village is known for its maintenance-free lifestyle and luxurious marina setting, where you can enjoy peaceful walks along the Intracoastal Waterway and watch boats glide by from your backyard. Optional membership to the Hammock Beach Club provides access to resort-style amenities including a world-class golf course, sparkling pools, full-service spa, fitness center, tennis courts, fine dining, and more. Whether you’re dreaming of a serene full-time residence or a weekend retreat, this property offers the perfect blend of relaxation, recreation, and refined living. Schedule your private showing today and start building the waterfront home you’ve always envisioned!
Facts & features
The home at a glance
0.11 ac
Lot size
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.
$2,322 /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
$2,322/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.
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% 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 244 YACHT HARBOR DRIVE
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$400,000
102 YACHT HARBOR DRIVE UNIT 566 · same community
2 bd · 2 ba · 1,351 sqft · $296/sqft · 48 DOM
Sold · Aug ’26$325,000
102 YACHT HARBOR DRIVE UNIT 278 · same community
2 bd · 2 ba · 1,351 sqft · $241/sqft · 209 DOM
Sold · Nov ’25$399,000
102 YACHT HARBOR DRIVE UNIT 465 · same community
2 bd · 2 ba · 1,570 sqft · $254/sqft · 6 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 244 YACHT HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 244 YACHT HARBOR 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
244 YACHT HARBOR DRIVE FAQs
What would the monthly payment be for 244 YACHT HARBOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,322/mo — principal and interest, the actual property-tax bill, the $314/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 244 YACHT HARBOR DRIVE?+
The association fee works out to $314 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 244 YACHT HARBOR DRIVE?+
The most recent tax bill on record (2024) was $2,805. 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 244 YACHT HARBOR DRIVE?+
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 $255,000, this home is listed about 36% below the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 244 YACHT HARBOR DRIVE?+
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
01Under the PALM COAST 32137 market on paper
$255,000 is 34% below the PALM COAST 32137 median of $384,950.
02Time on market is leverage
270 days on market against a Palm Coast median of 49 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $275,000, now $255,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RIGHTHOUSE REALTY LLC · Praveen Setty. MLS #O6359813.
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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