97 RIVERTOWN ROAD, PALM COAST, FL, 32137
Active37 days on marketListed Jun 24, 2026MLS #FC319338
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Sat, Aug 1
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About this home
97 RIVERTOWN ROAD
Welcome to 97 Rivertown Rd in the sought-after Sawmill Creek community of Palm Coast. Built in 2021 and meticulously maintained by its original owners, this move-in-ready home offers 4 bedrooms, 2 bathrooms, and an open-concept floor plan designed for modern living. One of the property's standout features is its exceptional privacy. Situated on the preserve side of the community, the home backs to a conservation area with no rear neighbors, creating a peaceful natural backdrop. The fully fenced backyard provides both privacy and functionality, while the 12' x 10' Trex deck offers the perfect place to relax, entertain, or enjoy the serene preserve views. Inside, abundant natural light fills the spacious living areas. The kitchen features granite countertops, a large center island, stainless steel appliances, ample cabinetry, and a walk-in pantry. The living and dining areas flow seamlessly together, making the home ideal for both everyday living and entertaining. The primary suite includes tray ceilings, a walk-in closet, and an updated en-suite bath with quartz countertops, dual sinks, and a walk-in shower. Three additional bedrooms offer flexibility for family, guests, or a home office and share an updated guest bath with quartz finishes and a walk-in shower. Ceramic tile flooring runs throughout the main living areas, with carpet in the bedrooms. Additional highlights include gutters with a transferable lifetime warranty, a transferable termite bond, Choice Home Warranty coverage, and a newer GE washer and dryer. Residents enjoy access to a clubhouse, pool, splash pad, fitness center, dog park, pickleball and bocce courts, and scenic walking and biking trails. Conveniently located near shopping, dining, schools, beaches, and US-1, with easy access to St. Augustine, Ormond Beach, and Daytona Beach.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,862
Sqft
0.17 ac
Lot size
2
Garage
2021
Year built
One
Levels
$173
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.
$2,685 /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
$2,685/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
$173 vs $218
Days on market
37 vs 47 typical
Where $173/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)
169 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 16% 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 97 RIVERTOWN ROAD
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$329,500
25 RIVERTOWN ROAD · same community
3 bd · 2 ba · 1,907 sqft · $173/sqft · 44 DOM
Sold · Nov ’25$380,000
65 OAKLEAF WAY · same community
4 bd · 2 ba · 2,003 sqft · $190/sqft · 227 DOM
Sold · Apr ’26$265,000
100 RIVERTOWN ROAD · same community
4 bd · 2 ba · 1,711 sqft · $155/sqft · 41 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 97 RIVERTOWN ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 97 RIVERTOWN ROAD — 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
97 RIVERTOWN ROAD FAQs
What would the monthly payment be for 97 RIVERTOWN ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,685/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 97 RIVERTOWN ROAD?+
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 97 RIVERTOWN ROAD?+
The most recent tax bill on record (2025) was $5,339. 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 97 RIVERTOWN ROAD?+
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 $323,000, this home is listed about 18% 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 97 RIVERTOWN ROAD?+
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
$323,000 is 16% below the PALM COAST 32137 median of $384,000, and at $173/sqft it sits under the Palm Coast average of $257.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
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.
Keep looking
Similar homes nearby
Listing courtesy of YOUR HOME SOLD GUARANTEED REAL · Jesse Warmka. MLS #FC319338.
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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