5 RIO VISTA DRIVE, PALM COAST, FL, 32137
Active263 days on marketListed Nov 19, 2025MLS #FC314203
About this home
5 RIO VISTA DRIVE
THE WATERFRONT LUXURY YOU’VE BEEN WAITING FOR — CUSTOM POOL HOME, OUTDOOR OASIS, MARINA ACCESS & EVERY UPGRADE ALREADY DONE. In a market where pristine, move-in-ready homes are becoming harder to find, this exceptional custom-built residence in Marina del Palma rises above the rest. Perfectly positioned inside one of Palm Coast’s most exclusive gated communities, this home delivers a level of craftsmanship, convenience and coastal living that buyers simply cannot duplicate at this price today. Step inside and immediately feel the difference - The open-concept living space is elevated with luxury vinyl plank flooring, plantation shutters and hurricane-impact windows throughout—offering peace of mind, energy efficiency and comfort. The gourmet kitchen is a showstopper with stainless steel gas appliances, a built-in wine refrigerator, a farmhouse sink, wine glass/bottle washer, spacious walk-in pantry AND a massive island designed for gathering and entertaining. A stacked-stone gas fireplace anchors the living area, enhanced by a Habitech surround sound system for a truly immersive atmosphere. The owner’s suite is a private sanctuary with tranquil water views and a spa-inspired bathroom featuring split vanities with granite countertops, an oversized custom-tiled rain shower and an enormous walk-in closet. Two additional first-floor bedrooms—each with their own walk-in closets—provide ideal separation and comfort for family or guests. Upstairs, a fourth bedroom with an en-suite bath, walk-in closet, bonus area and Dolby Atmos wiring creates the perfect zone for visitors, media or a work-from-home retreat. Your outdoor living experience? Next-level. The screened-in pool is accented with a peaceful waterfall feature and breathtaking sunset views. A fully custom outdoor kitchen—complete with a New Age wine refrigerator, stacked-stone detailing, granite counters, and premium built-in grill—sits beneath a gorgeous wood plank ceiling lanai. The outdoor Habitech surround system extends your living space even further, making this the place everyone wants to gather. Every detail is dialed in for modern luxury and low-maintenance living: Seller-owned 250-gallon underground propane tank powering gas appliances, Whole-house Generac generator + manual transfer switch for additional backup, Epoxy-coated garage floors, EV plug, custom shelving & smart MyQ garage control & Professionally designed landscaping, custom outdoor lighting & irrigation well. Living in Marina del Palma means you’re not just buying a home—you’re stepping into a lifestyle. Enjoy a cutting-edge marina with valet-style dry storage where you can request your boat through a mobile app for effortless launching, fueling, and cleaning. Residents also have access to a 3,000 sq. ft. waterfront clubhouse, resort-style pool and hot tub, fitness center, tennis courts, and community dog park. With beautiful beaches, nature trails, boutiques, and top-rated dining just minutes away, this location captures the very best of coastal life. Schedule your private tour today and experience firsthand the unmatched lifestyle that awaits in Marina del Palma.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,810
Sqft
0.14 ac
Lot size
2
Garage
2021
Year built
Two
Levels
$320
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.
$6,638 /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
$6,638/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
−15.6%
$/sqft vs Palm Coast actives
$320 vs $222
Days on market
263 vs 49 typical
Where $320/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)
193 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 134% 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 5 RIO VISTA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$720,000
3 MENORCA WAY · same community
2 bd · 2.5 ba · 2,774 sqft · $260/sqft · 210 DOM
Sold · Dec ’25$720,000
3 Menorca Way, Palm Coast FL 32137 · same community
2 bd · 2.5 ba · 2,774 sqft · $260/sqft · 29 DOM
Sold · Dec ’25$950,000
96 DEL PALMA DRIVE · same community
3 bd · 2.5 ba · 2,572 sqft · $369/sqft · 21 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
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5 RIO VISTA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5 RIO VISTA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5 RIO VISTA DRIVE FAQs
What would the monthly payment be for 5 RIO VISTA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,638/mo — principal and interest, the actual property-tax bill, the $354/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 5 RIO VISTA DRIVE?+
The association fee works out to $354 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5 RIO VISTA DRIVE?+
The most recent tax bill on record (2025) was $11,167. 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 5 RIO VISTA 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 $899,999, this home is listed about 125% 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 5 RIO VISTA 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
$899,999 runs 134% above the PALM COAST 32137 median — but at 2,810 sqft it's also 49% larger than the typical Palm Coast listing.
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
263 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 $939,000, now $899,999 — a $39K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Andrew Kalcounos. MLS #FC314203.
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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