13 OLD OAK DRIVE N, PALM COAST, FL, 32137
Active133 days on marketListed Mar 28, 2026MLS #O6391954
About this home
13 OLD OAK DRIVE N
Nestled within The Sanctuary, Palm Coast's premier gated boating community, perfectly positioned on an expansive 1/3 acre homesite, this MOVE-IN READY NEW CONSTRUCTION luxury residence offers an effortless blend of elegance and the very best of Florida living. Offering EXCEPTIONAL VALUE WITH NO WAIT TO BUILD, this thoughtfully crafted home features soaring ceilings, refined architectural details, and sophisticated finishes throughout. At the heart of the home is a spectacular chef's kitchen featuring premium cabinetry, quartz countertops, an oversized waterfall island, a full-height quartz backsplash, and a private butler's pantry that provides additional workspace and storage. The open-concept design flows seamlessly into the spacious living and dining areas, where two walls of multi-panel sliding glass doors open to dual covered lanais with a with a fully equipped outdoor kitchen. With ample room for your custom pool, create the ultimate indoor-outdoor living experience. The luxurious owner's retreat offers a spa-inspired bath with elegant finishes and spacious dual walk-in closets. A private study with French doors provides the ideal work-from-home space, while three additional bedrooms include a private guest suite with an ensuite bath and two secondary bedrooms connected by a beautifully appointed full bath. A conveniently located powder bath completes this thoughtfully designed floor plan. Built for lasting quality and efficiency, this concrete block home features smooth-finish walls and ceilings, luxury vinyl plank flooring, energy-efficient windows, whole-home gutters, full irrigation, a spacious three-car garage with epoxy flooring, and an attractive paver driveway. For added peace of mind, the seller includes a 1-year builder warranty along with a 10-year structural warranty. Enjoy scenic lakes, majestic oak-lined streets, nearby marinas and Intracoastal access, pristine Atlantic beaches, championship golf, and an abundance of shopping, dining, and everyday conveniences all just minutes away. With easy access to I-95, historic St. Augustine, Jacksonville, Daytona Beach, and Orlando are all within easy reach, making this an exceptional place to call home.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,967
Sqft
0.36 ac
Lot size
3
Garage
2026
Year built
One
Levels
$370
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.
$6,828 /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
$6,828/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
+4.9%
$/sqft vs SANCTUARY
$370 vs $1,312
Days on market
133 vs 49 typical
Where $370/sqft sits among the 6 homes for sale in SANCTUARY
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 → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
1 of 6
SANCTUARY have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 185% 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 13 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 · Nov ’25$679,000
4080 SAFFLOWER TERRACE · same community
4 bd · 3 ba · 2,559 sqft · $265/sqft · 71 DOM
Sold · Feb ’26$466,613
2710 RAINDROP RUN STREET · same community
5 bd · 3.5 ba · 2,544 sqft · $183/sqft · 0 DOM
Sold · Feb ’26$936,500
588 PEREGRINE DRIVE · same community
4 bd · 2 ba · 2,435 sqft · $385/sqft · 0 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 13 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 13 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
13 OLD OAK DRIVE N FAQs
What would the monthly payment be for 13 OLD OAK DRIVE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,828/mo — principal and interest, the actual property-tax bill, the $165/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 13 OLD OAK DRIVE N?+
The association fee works out to $165 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13 OLD OAK DRIVE N?+
The most recent tax bill on record (2025) was $1,927. 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 13 OLD OAK DRIVE N?+
The listing reports pets: 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 $1,099,000, this home is listed about 175% 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 13 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
$1,099,000 runs 185% above the PALM COAST 32137 median — but at 2,967 sqft it's also 57% larger than the typical Palm Coast listing.
02Time on market is leverage
133 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 $1,225,000, now $1,099,000 — a $126K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX SPECIALISTS · Dimpreet Smith. MLS #O6391954.
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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