91 EMERALD LAKE DRIVE, PALM COAST, FL, 32137
Active300 days on marketListed Oct 8, 2025MLS #FC313255
About this home
91 EMERALD LAKE DRIVE
Don’t miss this incredible opportunity to live in one of Palm Coast’s most desirable gated communities. This homesite offers beautiful natural surroundings, lake views, and access to resort-style amenities. Enjoy a relaxed coastal lifestyle with a clubhouse, pool, fitness center, tennis courts, walking trails, and even Intracoastal Waterway access, all just minutes from Flagler Beach. Whether you're ready to build now or looking to invest for the future, this is the perfect place to bring your Florida dream to life.
Facts & features
The home at a glance
0.28 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.
$1,916 /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
$1,916/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 → $360K
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 91 EMERALD LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$230,000
1101 OCEAN MARINA DRIVE UNIT H201
1 bd · 1 ba · 804 sqft · $286/sqft · 84 DOM
Sold · Apr ’26$179,000
237 STARBOARD DRIVE
2 bd · 2 ba · 962 sqft · $186/sqft · 470 DOM
Sold · May ’26$268,000
200 MARINA BAY DRIVE UNIT 201
2 bd · 2 ba · 1,020 sqft · $263/sqft · 813 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 91 EMERALD LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 91 EMERALD LAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
91 EMERALD LAKE DRIVE FAQs
What would the monthly payment be for 91 EMERALD LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,916/mo — principal and interest, the actual property-tax bill, the $718/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 91 EMERALD LAKE DRIVE?+
The association fee works out to $718 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 91 EMERALD LAKE DRIVE?+
The most recent tax bill on record (2024) was $1,059. 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 91 EMERALD LAKE 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 $150,000, this home is listed about 62% below the Palm Coast median of $399,950. The market section on this page shows how the area is trending.
Which schools are assigned to 91 EMERALD LAKE 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
01Under the PALM COAST 32137 market on paper
$150,000 is 61% below the PALM COAST 32137 median of $384,950.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $718/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
300 days on market against a Palm Coast median of 52 — sellers in this position are usually ready to negotiate.
05Strong 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 EXP REALTY LLC · Denise Fernandes. MLS #FC313255.
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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