48 OAKLEAF WAY, PALM COAST, FL, 32137
Active64 days on marketListed May 21, 2026MLS #FC317708
About this home
48 OAKLEAF WAY
Virtually Staged. Welcome to this beautifully maintained 4-bedroom, 2-bath home located in the highly sought-after Sawmill Creek community of Palm Coast. Built in 2021, this concrete block residence offers over 2,000 square feet of thoughtfully designed living space that perfectly blends modern comfort with effortless Florida living. Step inside to discover a bright, open-concept layout featuring spacious living and dining areas, durable wood-look flooring throughout the main living spaces, and an abundance of natural light. The stylish kitchen serves as the heart of the home, showcasing sleek granite countertops, stainless steel appliances, crisp white cabinetry, and oversized island seating—perfect for entertaining guests or enjoying everyday meals with family. One of the standout features of this home is the expansive covered lanai, ideal for embracing Florida’s year-round outdoor lifestyle. Complete with ceiling fans, generous seating and dining areas, and peaceful preserve views, this outdoor retreat creates the perfect setting for relaxing evenings, weekend barbecues, or morning coffee surrounded by nature. Conveniently located near shopping, dining, parks, scenic walking trails, and just a short drive to the beach and historic St. Augustine, this move-in-ready home combines style, comfort, and an exceptional location. Don’t miss your opportunity to own a newer home in one of Palm Coast’s most desirable communities—schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,003
Sqft
0.2 ac
Lot size
2
Garage
2021
Year built
One
Levels
$175
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.
$2,921 /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
$2,921/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
−4.3%
$/sqft vs Palm Coast actives
$175 vs $221
Days on market
64 vs 47 typical
Where $175/sqft sits among the 400 Palm Coast actives
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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
176 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 8% 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 48 OAKLEAF WAY
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$380,000
65 OAKLEAF WAY · same community
4 bd · 2 ba · 2,003 sqft · $190/sqft · 227 DOM
Sold · Mar ’26$391,000
56 OAKLEAF WAY · same community
4 bd · 3 ba · 2,042 sqft · $191/sqft · 62 DOM
Sold · May ’26$329,500
25 RIVERTOWN ROAD · same community
3 bd · 2 ba · 1,907 sqft · $173/sqft · 44 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 48 OAKLEAF WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 48 OAKLEAF WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
48 OAKLEAF WAY FAQs
What would the monthly payment be for 48 OAKLEAF WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,921/mo — principal and interest, the actual property-tax bill, the $36/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 48 OAKLEAF WAY?+
The association fee works out to $36 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 48 OAKLEAF WAY?+
The most recent tax bill on record (2025) was $6,134. 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 48 OAKLEAF WAY?+
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 $349,850, this home is listed about 11% below the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 48 OAKLEAF WAY?+
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
01Under the PALM COAST 32137 market on paper
$349,850 is 8% below the PALM COAST 32137 median of $379,900, and at $175/sqft it sits under the Palm Coast average of $257.
02Strong 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.
03The price has already moved
Listed at $359,850, now $349,850 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX SIGNATURE · Clarissa Swartzlander. MLS #FC317708.
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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