46 OLD OAK DRIVE S, PALM COAST, FL, 32137
Pending258 days on marketListed Nov 21, 2025MLS #FC314274
About this home
46 OLD OAK DRIVE S
* New, beautiful tile roof installed (April 2026) offering insurance savings and peace of mind * Experience unparalleled luxury in one of Palm Coast’s most breathtaking residences. This exceptional 4-bedroom, 3-bath single-story estate is located in The Sanctuary—a premier, gated Intracoastal community—and is perfectly positioned on one of the subdivision’s largest homesites, boasting an impressive 100 feet of direct ICW frontage. A private boathouse with sling lift accommodates up to an 8,000 lb vessel, creating the ideal waterfront lifestyle. Be sure to watch the virtual tour! A grand stone entryway introduces the home’s timeless elegance and classic architectural detail. Inside, the private owner’s wing offers a serene retreat featuring an exquisite primary suite, spa-inspired ensuite bath with jetted tub, double granite vanities, and two customized closets. This wing also includes a dedicated office overlooking the pool and gardens, plus an additional flex room perfect for a second office, fitness space, or studio. The primary suite further opens to a climate-controlled greenhouse/sunroom, adding a truly unique extension of living space. The formal living and dining areas showcase rich mahogany flooring and a dramatic double-sided onyx fireplace, creating an ambiance of sophistication. A beautifully designed butler’s pantry with wet bar, dual wine coolers, and wrought-iron details connects seamlessly to the gourmet kitchen. Culinary enthusiasts will appreciate the Frigidaire induction cooktop, convection oven, microwave, and new GE black stainless steel refrigerator, along with custom cabinetry with pullouts, new quartz countertops and backsplash and generous prep space. A striking, lodge-inspired media room offers a warm and inviting atmosphere with an eucalyptus wood entertainment center with a pull- down projector screen and surround sound, Tennessee stone electric fireplace, and custom Cherry built-ins—perfect for movie nights or intimate gatherings. Step outside to your own private paradise. The resort-style pool is framed by cascading stone fountains, exotic palms, lush native landscaping, and multiple seating areas designed to maximize serenity. An outdoor kitchen with new Alfresco gas grill, burners, sink, and exhaust fan makes entertaining easy, while the open-air patio with custom-designed sphere firepit enhances the Olde Florida feel. Additional notable features include: * New tile roof * Whole-house generator (with new designated 500 gal propane tank) * Whole-house water filtration system * Two A/C units with blue-light purification systems * Tankless water heater * Oversized 24' x 25' garage * Large laundry room with newer washer, dryer, and extra refrigerator * Central vacuum system * Hurricane impact windows and doors * Custom plantation shutters in most windows Residents also enjoy a community pathway that leads directly to the Intracoastal Waterway—an ideal spot to stroll, unwind, and watch dolphins at play.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,449
Sqft
0.82 ac
Lot size
2
Garage
2006
Year built
One
Levels
$428
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.
$10,203 /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
$10,203/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
+13.2%
Days on market
258 vs 50 typical
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 Harbor
Get to know Palm Coast. See the full Palm Coast guide →
Palm Harbor — neighborhood snapshot
Population
16,621
Median age
57
Median income
$73,524
Median home value
$373,781
Avg household
2
Households w/ children
1,152
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 283% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 46 OLD OAK DRIVE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 46 OLD OAK DRIVE S — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
46 OLD OAK DRIVE S FAQs
What would the monthly payment be for 46 OLD OAK DRIVE S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,203/mo — principal and interest, the actual property-tax bill, the $166/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 46 OLD OAK DRIVE S?+
The association fee works out to $166 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 46 OLD OAK DRIVE S?+
The most recent tax bill on record (2025) was $16,380. 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 46 OLD OAK DRIVE 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 $1,475,000, this home is listed about 269% 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 46 OLD OAK DRIVE 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
01Positioned at the premium end
$1,475,000 runs 283% above the PALM COAST 32137 median — but at 3,449 sqft it's also nearly twice the size of 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
258 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 $1,650,000, now $1,475,000 — a $175K cut. The full history is in the market section below.
Listing courtesy of COLDWELL BANKER (HAMMOCK) · Tammy Selic. MLS #FC314274.
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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