40 FLAMINGO DRIVE, PALM COAST, FL, 32137
Active6 days on marketListed Jul 28, 2026MLS #FC320186
About this home
40 FLAMINGO DRIVE
Imagine stepping into your backyard, casting a line into the canal, or launching your kayak for a peaceful morning on the water. Here, that dream becomes your everyday reality! This FRESHWATER CANAL home brings together the outdoor lifestyle you love with the comfort and features you need for everyday living, all at a price you won’t want to miss! Inside, the split floor plan provides a comfortable flow with thoughtful updates throughout, including updated lighting, ceiling fans, faucets, switches, and outlets, new plantation shutters in the kitchen, along with an upgraded water conditioning system. The backyard screened-in patio offers a peaceful place to enjoy your morning coffee, watch local wildlife, and take in the beauty of Florida living right from home! Built for the Florida lifestyle, this home includes hurricane shutters, a generator hookup, a new metal garage entry door, and an irrigation system with sprinkler heads supplied by a well for efficient lawn care. The property also features a 6-foot vinyl privacy fence along one side of the yard and dedicated trailer storage. Conveniently located in Palm Coast, you’ll enjoy easy access to walking and biking trails, golf courses, shopping, dining, waterfront parks, and Flagler Beach — giving you the best of both relaxation and recreation. Ready to see what mornings on the canal, afternoons on the water, and evenings enjoying your own backyard could look like? Schedule your private showing today and take the first step toward making this house your home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,616
Sqft
0.27 ac
Lot size
2
Garage
1995
Year built
One
Levels
$195
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 — not generic estimates.
$2,531 /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
$2,531/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
−12.5%
$/sqft vs Palm Coast actives
$195 vs $218
Days on market
6 vs 47 typical
Where $195/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 Harbor
Get to know Palm Coast. See the full Palm Coast guide →
Palm Harbor — neighborhood snapshot
Population
16,621
Median age
57
Median income
$73,524
Median home value
$373,781
Avg household
2
Households w/ children
1,152
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)
168 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 17% 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 40 FLAMINGO DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$300,000
47 FARRAGUT DRIVE · same community
3 bd · 2 ba · 1,603 sqft · $187/sqft · 268 DOM
Sold · Sep ’25$299,900
82 FLEETWOOD DRIVE · same community
4 bd · 2 ba · 1,576 sqft · $190/sqft · 59 DOM
Sold · Sep ’25$105,000
60 FISCHER LANE · same community
3 bd · 2 ba · 1,678 sqft · $63/sqft · 0 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 40 FLAMINGO DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40 FLAMINGO DRIVE — 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
40 FLAMINGO DRIVE FAQs
What would the monthly payment be for 40 FLAMINGO DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,531/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 40 FLAMINGO DRIVE?+
The most recent tax bill on record (2025) was $4,529. 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 40 FLAMINGO 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 $315,000, this home is listed about 20% 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 40 FLAMINGO 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
Four things that matter here
01Under the PALM COAST 32137 market on paper
$315,000 is 17% below the PALM COAST 32137 median of $380,000, and at $195/sqft it sits under the Palm Coast average of $257.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 6 days on market in a Palm Coast market that averages 47 — if it fits, move quickly.
04Strong 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 RE/MAX SELECT PROFESSIONALS · Crystal Calderon. MLS #FC320186.
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.
Never miss a listing
New Palm Coast homes, in your inbox
Like 40 FLAMINGO DRIVE but not quite? A daily digest of every new listing in Palm Coast — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask John to ping you on any price or status change →