5 RIVERTOWN ROAD, PALM COAST, FL, 32137
Active30 days on marketListed Jul 1, 2026MLS #FC319622
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Upcoming open house
Sat, Aug 1
12:00 PM – 2:00 PM
About this home
5 RIVERTOWN ROAD
5 Rivertown Rd, Palm Coast, FL — A Former Model Home of Distinction tucked away on a private, tree-lined lot in the sought-after pool community of Sawmill Creek at Palm Coast Park, this beautifully upgraded 4-bedroom, 2-bathroom former model home offers the perfect blend of quality construction, thoughtful design, and everyday comfort. Built with durable concrete block construction and enhanced insulation, this home delivers energy efficiency and peace of mind from the ground up. Inside, soaring high ceilings run throughout, creating an open, airy feel from room to room. The heart of the home is a stunning upgraded kitchen featuring elegant quartz countertops, a California island perfect for gathering, a designer backsplash, and premium upgraded appliances — a space made for both everyday living and entertaining. In-ceiling surround sound speakers set the mood in the main living areas, while custom window coverings throughout add a refined, move-in-ready touch. The primary suite is a true retreat, complete with a spacious walk-in closet and a spa-inspired en suite bath featuring an extensive walk-in shower designed for ultimate relaxation. Three additional bedrooms allow flexibility for family, guests, or a home office. Practical luxury continues with an interior laundry room equipped with washer and dryer included, plus additional storage cabinetry — just one of many thoughtful storage solutions found throughout this exceptionally organized home. A 2-car garage rounds out the package. Set on a private, wooded homesite that offers a sense of seclusion rarely found in a community setting, this home also grants access to the neighborhood pool at Sawmill Creek — all within the desirable Palm Coast Park area. This former model home was finished with builder-grade upgrades throughout, offering a level of detail and craftsmanship that's hard to find on the resale market.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,197
Sqft
0.14 ac
Lot size
2
Garage
2020
Year built
One
Levels
$182
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.
$3,309 /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
$3,309/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
+4.2%
$/sqft vs Palm Coast actives
$182 vs $218
Days on market
30 vs 47 typical
Where $182/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)
172 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 4% 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 5 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 · Mar ’26$391,000
56 OAKLEAF WAY · same community
4 bd · 3 ba · 2,042 sqft · $191/sqft · 62 DOM
Sold · Nov ’25$380,000
65 OAKLEAF WAY · same community
4 bd · 2 ba · 2,003 sqft · $190/sqft · 227 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 5 RIVERTOWN ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5 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
5 RIVERTOWN ROAD FAQs
What would the monthly payment be for 5 RIVERTOWN ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,309/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 5 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 5 RIVERTOWN ROAD?+
The most recent tax bill on record (2025) was $7,048. 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 5 RIVERTOWN ROAD?+
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 $399,000, this home is listed about 1% 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 5 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.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Julia Almstead. MLS #FC319622.
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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