
34 S RIVERWALK DRIVE, PALM COAST, FL, 32137
Active392 days on marketListed Jul 10, 2025MLS #FC311097
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About this home
34 S RIVERWALK DRIVE
BUYER INCENTIVE: Seller is offering up to $7,990 toward allowable buyer closing costs, prepaids, discount points, or an approved interest-rate buydown with an acceptable offer, subject to contract terms, lender approval, and sufficient allowable costs. Welcome to private courtyard living in the guard-gated Riverwalk section of Palm Coast Plantation. Backing to peaceful conservation land, this custom Grandeur Homes residence offers 4 bedrooms, 3 full baths, 2,892 sq ft of living space, and select furnishings. Natural light highlights tray and coffered ceilings, crown molding, transom windows, decorative archways, and a propane fireplace. The open layout connects the main living areas to a well-appointed kitchen with stone counters, solid-wood cabinetry, a built-in oven, and propane cooktop. The spacious first-floor primary suite is complemented by two additional main-level bedrooms, while the upstairs fourth bedroom provides flexible space for guests, an office, or media room. At the heart of the home, a private walled courtyard offers a screened outdoor retreat with an outdoor kitchen, decorative lighting, and a versatile golf-entertainment area. Additional features include a tile roof, paver driveway, new landscaping, and upgraded irrigation. Palm Coast Plantation amenities include a clubhouse, community pool, fitness center, tennis, pickleball, bocce, basketball, shuffleboard, boat/RV storage, and access to a 128-acre lake with pier and gazebo—all convenient to beaches, dining, shopping, and I-95. An additional lender credit of up to $4,794 may be available when using the preferred lender, providing a maximum potential combined buyer benefit of up to $12,784 at the current asking price. One or more photo(s) was virtually staged.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,892
Sqft
0.21 ac
Lot size
2
Garage
2005
Year built
Two
Levels
$276
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.
$5,667 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,667/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+45.1%
$/sqft vs Palm Coast actives
$276 vs $222
Days on market
392 vs 50 typical
Where $276/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
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
185 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 108% 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 34 S RIVERWALK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$665,000
65 N RIVERWALK DRIVE · same community
3 bd · 3 ba · 2,772 sqft · $240/sqft · 139 DOM
Sold · Dec ’25$970,000
33 N RIVERWALK DRIVE · same community
4 bd · 3.5 ba · 3,918 sqft · $248/sqft · 23 DOM
Sold · Nov ’25$1,070,000
207 S RIVERWALK DRIVE
3 bd · 2.5 ba · 2,929 sqft · $365/sqft · 119 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 34 S RIVERWALK DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 34 S RIVERWALK DRIVE — 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
34 S RIVERWALK DRIVE FAQs
What would the monthly payment be for 34 S RIVERWALK DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,667/mo — principal and interest, the actual property-tax bill, the $239/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 34 S RIVERWALK DRIVE?+
The association fee works out to $239 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 34 S RIVERWALK DRIVE?+
The most recent tax bill on record (2024) was $7,886. 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 34 S RIVERWALK DRIVE?+
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 $799,000, this home is listed about 100% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 34 S RIVERWALK 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
Five things that matter here
01Positioned at the premium end
$799,000 runs 108% above the PALM COAST 32137 median — but at 2,892 sqft it's also 53% larger than the typical Palm Coast listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
392 days on market against a Palm Coast median of 50 — 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 $950,000, now $799,000 — a $151K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BETTER HMS & GARDENS RE SYNERG · James Sheehan. MLS #FC311097.
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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