106 HARBOR VILLAGE POINT S, PALM COAST, FL, 32137
Active448 days on marketListed May 20, 2025MLS #FC309585
About this home
106 HARBOR VILLAGE POINT S
WATERFRONT LIVING AT ITS FINEST - This is an exceptional marina - cleared homesite, located on the southside of the gated community of Yacht Harbor Village. This property offers the perfect opportunity to build your dream coastal retreat with direct access to the intracoastal waterway. Buy now and build when you are ready, there is no build time. Rent a slip in the marina to dock your personal vessel just steps from your lot. If you don't own a boat, you can join the Freedom Boat Club, located right in in the marina. If you enjoy the Ocean life, it's less then a 10 minute walk. Want More? Join the Hammock Beach Resort. Membership gives you access to resort style ammenities. Two champship golf courses, multiple pools, lazy river, waterslides, world class spa, multiple restaurants, state of the art fitness centers, Har-Tru tennis courts, pickleball courts, private membership events and so much more. Call me today to arrange a personal tour.
Facts & features
The home at a glance
0.1 ac
Lot size
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.
$1,433 /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
$1,433/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.
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
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 61% 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 106 HARBOR VILLAGE POINT S
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$140,000
8 LAKE FOREST PLACE UNIT 8
2 bd · 1 ba · 801 sqft · $175/sqft · 101 DOM
Sold · Mar ’26$169,000
6 GREENBRIAR COURT UNIT 6
1 bd · 1.5 ba · 912 sqft · $185/sqft · 5 DOM
Sold · Jan ’26$185,500
24 MID PINES CIRCLE UNIT 24
2 bd · 2 ba · 950 sqft · $195/sqft · 625 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 106 HARBOR VILLAGE POINT S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 106 HARBOR VILLAGE POINT S — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
106 HARBOR VILLAGE POINT S FAQs
What would the monthly payment be for 106 HARBOR VILLAGE POINT S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,433/mo — principal and interest, the actual property-tax bill, the $188/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 106 HARBOR VILLAGE POINT S?+
The association fee works out to $188 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 106 HARBOR VILLAGE POINT S?+
The most recent tax bill on record (2024) was $1,630. 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 106 HARBOR VILLAGE POINT S?+
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 $149,900, this home is listed about 62% below the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 106 HARBOR VILLAGE POINT S?+
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
Five things that matter here
01Under the PALM COAST 32137 market on paper
$149,900 is 61% below the PALM COAST 32137 median of $379,990.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
448 days on market against a Palm Coast median of 49 — sellers in this position are usually ready to negotiate.
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.
05The price has already moved
Listed at $169,900, now $149,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Frances De Martin. MLS #FC309585.
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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