David Ramirez
$354,9003 bd2 ba1,988 sqft$179 /sqft$2,460 /mo all-in ↓

39 PORT ROYAL DRIVE, PALM COAST, FL, 32164

Active94 days on marketListed May 4, 2026MLS #O6404816

New constructionSingle Family ResidencePALM COAST SEC 28

About this home

39 PORT ROYAL DRIVE

Under Construction. Tucked away on a quiet street overlooking a freshwater canal with mature trees lining the backyard, 39 Port Royal Drive presents the Drexel floor plan. Ideally situated in central Palm Coast, this location provides quick access to Town Center, local beaches, and the city's 100+ miles of walking and biking trails. This thoughtfully designed home features soaring 9’4” ceilings throughout, immediately enhancing the architectural appeal of the bright and open foyer. At the heart of the residence, the inviting open-concept great room features expansive windows that flood the space with natural light and provide peaceful freshwater canal views. The kitchen serves as a central hub for daily living, boasting stainless steel appliances, granite countertops, an abundance of cabinets, a large island, and a convenient eating bar. An adjacent dining area includes additional windows that creates a bright and airy spot for morning coffee or casual meals. The owner’s suite serves as a private sanctuary, complete with a generous walk-in closet and an en-suite bath featuring a double vanity with granite countertops and a beautifully tiled shower to the ceiling. Two secondary bedrooms are located at the front of the home to ensure a private layout, sharing a well-appointed full bath with a tub and shower combination. Near the rear of the home, a versatile flex space leads toward the covered lanai, providing a perfect vantage point to enjoy the Bahia grass landscaping and Florida weather. Upgraded engineered vinyl plank flooring flows through the main living areas for a modern aesthetic, while plush carpet provides comfort in the bedrooms. Practicality meets innovation with a functional laundry and mud room located just off the two-car garage. Modern convenience is integrated into every room with a Ring video doorbell, smart thermostat, keyless entry door lock, and Deako switches. Built for peace of mind, the exterior features architectural shingles and a full builder warranty. This property delivers a complete lifestyle experience in a premier Palm Coast location. Schedule a private tour of this exceptional home design today.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,988

Sqft

0.23 ac

Lot size

2

Garage

2026

Year built

One

Levels

$179

Per sqft

Water viewPets allowed

Inside

FlooringCarpet · Luxury Vinyl
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range
InteriorHigh Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Smart Home · Solid Surface Counters · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ParkingDriveway · Garage Door Opener
ExteriorSliding Doors

Community & fees

Taxes (2025)$647/yr
PetsYes

Utilities & systems

UtilitiesCable Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,460 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,089
FHA mortgage insurance (est.)$157
Property tax — 2025 actual bill$54
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,422Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,422
Interest rate6.00%
Loan term

Estimated payment

$2,460/mo

Principal & interest$2,089
FHA mortgage insurance (est.)$157
Property taxes (actual bill)$54
Est. insurance$160

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.

List $355K
$325KedgeAI estimate $364,506 · range $339K$392K$407K

vs edgeAI estimate

−2.6%

$/sqft vs PALM COAST SEC 28

$179 vs $209

Days on market

94 vs 50 typical

Where $179/sqft sits among the 12 homes for sale in PALM COAST SEC 28

1
2 · this home
3
2
3
1
$149–168$168–187$187–206$206–225$225–244$244+

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 Pine Grove

Map of 39 PORT ROYAL DRIVE inside its neighborhood boundary

Get to know Palm Coast. See the full Palm Coast guide →

Pine Grove — neighborhood snapshot

Population

7,145

Median age

44

Median income

$64,413

Median home value

$292,692

Avg household

3

Households w/ children

803

For the school run

Flagler County School District

MiddleBuddy Taylor Middle School★★★★★
ElementaryLewis E. Wadsworth Elementary★★★★★
HighFlagler-Palm Coast High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$355K$361K

Palm Coast median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

1 of 12

PALM COAST SEC 28 have cut their price

Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 4% above the PALM COAST 32164 median. See the full Palm Coast market guide →

Paper trail

This home's history

May 4, 2026Listed at $354,900 · 94 days on market since
2026Built · PALM COAST SEC 28

Reality check

What actually sold near 39 PORT ROYAL DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

4 PORTER PLACESold · Jul ’26

$333,000

4 PORTER PLACE · same community

3 bd · 2 ba · 2,084 sqft · $160/sqft · 42 DOM

6 POTTERVILLE LANESold · Jan ’26

$315,000

6 POTTERVILLE LANE · same community

4 bd · 2 ba · 1,875 sqft · $168/sqft · 195 DOM

19 POSTMAN LANESold · Jun ’26

$280,000

19 POSTMAN LANE · same community

3 bd · 2 ba · 1,865 sqft · $150/sqft · 42 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 39 PORT ROYAL DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 39 PORT ROYAL 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.

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Goes straight to David’s phone and CRM.

Straight answers

39 PORT ROYAL DRIVE FAQs

What would the monthly payment be for 39 PORT ROYAL DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,460/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 39 PORT ROYAL DRIVE?+

The most recent tax bill on record (2025) was $647. 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 39 PORT ROYAL DRIVE?+

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 $354,900, this home is listed about 11% 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 39 PORT ROYAL DRIVE?+

Buddy Taylor Middle School (middle), Lewis E. Wadsworth Elementary (elementary), Flagler-Palm Coast High School (high) — Flagler County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of NEW HOME STAR FLORIDA LLC · Bridgette Hoyt. MLS #O6404816.

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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