278 HARBOR VILLAGE POINT N, PALM COAST, FL, 32137
Active314 days on marketListed Oct 2, 2025MLS #FC313119
About this home
278 HARBOR VILLAGE POINT N
LOT and 38' DOCK! The lot offers a 38' high-end floating dock that elevates your lifestyle--perfect for accommodating a variety of boats and water toys. It offers stability, durability, and convenience..This is a rare opportunity to build your dream estate on the Intracoastal Waterway within the prestigious, gated community of Yacht Harbor Village. A prime homesite with views of the water, passing yachts, and playful dolphins, but also comes with a seawall and high-end floating dock, providing effortless access to deep water for boating, fishing, or simply enjoying life on the water. This is a blank canvas to create your waterfront dream home. Imagine a home that captures your style while embracing the natural beauty and tranquility of the surrounding waterway. , ideal for the serious boater or those who simply want to immerse themselves in the luxury of waterfront living. Residents have the option of joining the the Harbor Club for amenities including the pool, tennis, and gol As a resident of Yacht Harbor Village, you'll also have the option to join the Club at Hammock Beach, with world-class amenities including eight lighted Hydro-Grid clay tennis courts, a state-of-the-art fitness center, resort-style pools, and more. HOA fees include lot maintenance and landscaping, allowing you to focus more on leisure and less on upkeep. One of the only gated communities east of the Hammock Dunes Bridge with direct Intracoastal access, Yacht Harbor Village offers the perfect blend of privacy, prestige, and proximity to the beach. Secure this slice of paradise today and start planning the home and lifestyle you've always dreamed of.
Facts & features
The home at a glance
0.12 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.
$2,443 /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
$2,443/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 21% 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 278 HARBOR VILLAGE POINT N
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$400,000
102 YACHT HARBOR DRIVE UNIT 566 · same community
2 bd · 2 ba · 1,351 sqft · $296/sqft · 48 DOM
Sold · Aug ’26$325,000
102 YACHT HARBOR DRIVE UNIT 278 · same community
2 bd · 2 ba · 1,351 sqft · $241/sqft · 209 DOM
Sold · Nov ’25$399,000
102 YACHT HARBOR DRIVE UNIT 465 · same community
2 bd · 2 ba · 1,570 sqft · $254/sqft · 6 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 278 HARBOR VILLAGE POINT N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 278 HARBOR VILLAGE POINT N — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
278 HARBOR VILLAGE POINT N FAQs
What would the monthly payment be for 278 HARBOR VILLAGE POINT N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,443/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 278 HARBOR VILLAGE POINT N?+
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 278 HARBOR VILLAGE POINT N?+
The most recent tax bill on record (2024) was $2,361. 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 278 HARBOR VILLAGE POINT N?+
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 $299,900, this home is listed about 25% 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 278 HARBOR VILLAGE POINT N?+
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
$299,900 is 21% below the PALM COAST 32137 median of $379,900.
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
314 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.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS, CAMERON & CO., REALTORS · Debra Callahan. MLS #FC313119.
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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