David Ramirez
Pending
$765,0003 bd2 ba1,859 sqft$412 /sqft$5,268 /mo all-in ↓

36 HIDDEN TREASURE DRIVE, PALM COAST, FL, 32137

Pending25 days on marketListed Jul 6, 2026MLS #O6422530

Private poolSingle Family ResidenceBEACH HAVEN UN 2

About this home

36 HIDDEN TREASURE DRIVE

Don’t miss out on this beauty! RARE and truly one-of-a-kind POOL home in the highly sought-after Beach Haven community right off scenic A1A. Improvements galore! With its charming blend of Key West inspired vibes, this stunning residence stands out in the community painted in the distinctive shade of Cape Cod-style navy blue, creating unforgettable curb appeal. Walking distance to the Atlantic Ocean, residents also enjoy access to a resort-style community pool, outdoor cabana, walking trails, and private beach walkover. High and dry in Flood Zone X. Stem wall foundation. Hurricane storm shutters for all windows. Built in 2017, this 3-bedroom, 2-bath, open concept and well-appointed home also features a newly designed private office niche with a modern, glass panel door—a great space for working from home or managing daily life in privacy, comfort and style. Situated on a larger, premium lot backing to a lush tropical forest filled with palms and majestic oaks, the setting provides exceptional privacy and tranquility. Relax outdoors and listen to the sound of ocean waves while enjoying your private pool with LED color lights and expansive screen-covered outdoor living area (1100'), with gas connection for outdoor kitchen or grilling under 225’ of covered patio. A free-standing 6-person hot tub is included, creating the perfect space to unwind after a day at the beach. Tropical landscaping in both the front and back yards creates the feeling of a private resort. No other yard quite like it in Beach Haven. The property is further enhanced by an outdoor shower, sprinkler system, water filtration system, and black aluminum fencing enclosing the backyard providing safety if you have a fur baby. Inside, you'll find elegant wood-look ceramic tile flooring throughout, a naturalized fossil stone remote gas fireplace, beautiful Cambria quartz kitchen countertops, a coastal inspired glass backsplash, above/under cabinet lighting, 5-burner gas cooktop, crown molding, bead-board accents, shiplap details, custom plantation shutters and light fixtures, a recently added wine and coffee bar, Shelf Genie pullout shelves in kitchen, fresh interior and exterior paint, and a newly painted pool deck. The newly renovated guest bath features an enlarged walk-in shower with ceramic tile, river rock waterfall and flooring accents, and high-end Kohler faucets and hardware. The private primary suite looks out over the lush backyard landscape with a spa inspired bath complete with a free-standing tub, large walk-in shower with river rock, full-length custom mirror/medicine cabinet, and custom designed closet. For added convenience, select furnishings—including primary bedroom furniture and various main living room pieces—will convey should buyer desire. Every detail has been thoughtfully selected to create a home that is both stylish and functional. The 2-car garage is equally impressive with recent custom built-in cabinetry and durable epoxy flooring. Garage attic with pull-down stairs contains 12'x20' area for lots of extra storage. This exceptional property shows beautifully and provides a rare opportunity to own one of the community's most distinctive residences. Whether you are looking for a full-time residence or second home at the beach, don’t let this rare, beautiful pool home get away! A home with a pool AND premium lot does not come around often in this community. Don't miss out on this true gem of a home. Buyer's agents welcome!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,859

Sqft

0.22 ac

Lot size

2

Garage

2017

Year built

One

Levels

$412

Per sqft

Private poolFireplacePartiallyPets allowed

Inside

FlooringCeramic Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Electric Water Heater · Exhaust Fan · Ice Maker · Microwave · Range Hood · Refrigerator · Water Filtration System · Water Purifier · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Chair Rail · Crown Molding · Dry Bar · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric · Exhaust Fan
FurnishedPartially

Outside & construction

RoofShingle
ConstructionHardiPlank Type
FoundationSlab · Stem Wall
FacesSouth
ExteriorHurricane Shutters · Irrigation System · Lighting · Outdoor Shower · Private Mailbox · Rain Gutters · Shade Shutter(s) · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$262/mo
Taxes (2025)$5,177/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Available · Electricity Connected · Fire Hydrant · Propane · Sprinkler Meter · Street Lights
WaterPublic

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.

$5,268 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,128
PMI (est., until 20% equity)$287
Property tax — 2025 actual bill$431
HOA fee — from the listing$262
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $76,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $76,500
Interest rate6.00%
Loan term

Estimated payment

$5,268/mo

Principal & interest$4,128
PMI (est., until 20% equity)$287
Property taxes (actual bill)$431
HOA / condo fee$262
Est. insurance$160

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.

List $765K
$710KedgeAI estimate $747,296 · range $739K$768K$798K

vs edgeAI estimate

+2.4%

$/sqft vs Palm Coast actives

$412 vs $218

Days on market

25 vs 47 typical

Where $412/sqft sits among the 400 Palm Coast actives

225
70
40
28 · this home
13
24
$159–228$228–297$297–366$366–434$434–503$503+

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

Map of 36 HIDDEN TREASURE DRIVE

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

HighMatanzas High School★★★★
MiddleIndian Trails Middle School★★★★★
ElementaryOld Kings Elementary School★★★★

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

The numbers that matter

The Palm Coast market

Seller’s marketBalanced5.8 months of inventoryBuyer’s market

$353K$373K

Palm Coast median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

171 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 99% above the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

Jul 6, 2026Listed at $765,000 · 25 days on market since
2017Built · BEACH HAVEN UN 2

Reality check

What actually sold near 36 HIDDEN TREASURE DRIVE

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

31 HIDDEN TREASURE DRIVESold · Jun ’26

$665,000

31 HIDDEN TREASURE DRIVE · same community

3 bd · 2 ba · 2,005 sqft · $332/sqft · 307 DOM

20 SUNRISE CIRCLESold · Feb ’26

$675,000

20 SUNRISE CIRCLE · same community

3 bd · 3 ba · 2,186 sqft · $309/sqft · 9 DOM

21 TURTLE BEACH DRIVESold · Oct ’25

$850,000

21 TURTLE BEACH DRIVE · same community

4 bd · 3 ba · 2,641 sqft · $322/sqft · 111 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 36 HIDDEN TREASURE 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 36 HIDDEN TREASURE 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.

Goes straight to David’s phone and CRM.

Straight answers

36 HIDDEN TREASURE DRIVE FAQs

What would the monthly payment be for 36 HIDDEN TREASURE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,268/mo — principal and interest, the actual property-tax bill, the $262/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 36 HIDDEN TREASURE DRIVE?+

The association fee works out to $262 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 36 HIDDEN TREASURE DRIVE?+

The most recent tax bill on record (2025) was $5,177. 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 36 HIDDEN TREASURE 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 $765,000, this home is listed about 94% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.

Which schools are assigned to 36 HIDDEN TREASURE 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

Three things that matter here

01Positioned at the premium end

$765,000 runs 99% above the PALM COAST 32137 median.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

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.

Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6422530.

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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