CENTURY 21 Edge
$629,900$649,9003 bd3 ba2,556 sqft$246 /sqft$4,564 /mo all-in ↓

208 HERON DRIVE, PALM COAST, FL, 32137

Active193 days on marketListed Jan 23, 2026MLS #FC315529

Reduced $20KSingle Family ResidencePALM COAST PLANTATION UN 4

About this home

208 HERON DRIVE

Set within the gracious confines of Palm Coast Plantation, this 2,500-square-foot residence offers a considered blend of flexibility, comfort, and quiet refinement. With three bedrooms and three full baths, the home is thoughtfully designed for modern living, whether accommodating extended family, welcoming long-term guests, or simply allowing room to breathe. The interior unfolds with an easy sense of proportion. Living and dining spaces are open yet defined, inviting both everyday life and effortless entertaining. Natural light moves freely through the home, illuminating clean lines and well-balanced rooms that feel at once polished and approachable. The kitchen anchors the heart of the house—generous in scale, practical in layout, and positioned to remain connected to the living areas without sacrificing its own sense of purpose. One of the home’s most compelling features is the private mother-in-law suite, a self-contained retreat that offers independence without isolation. Complete with its own bedroom and bath, this suite is ideal for multigenerational living, visiting guests, or even a dedicated home office, providing rare versatility in a residential setting. The primary suite serves as a calm and private refuge, offering ample space and a well-appointed bath that encourages unhurried mornings and restful evenings. Additional bedrooms are comfortably sized, each with access to its own bath, reinforcing the home’s emphasis on privacy and ease. Beyond the walls, Palm Coast Plantation provides a setting defined by natural beauty and a sense of community. Known for its serene streetscapes and connection to Florida’s coastal landscape, the neighborhood offers residents a lifestyle shaped by water, greenery, and a relaxed pace that feels removed yet conveniently close to everyday necessities. This is a home designed not just to be lived in, but to adapt—gracefully—to the rhythms of life. In Palm Coast Plantation, it represents an opportunity to enjoy space, flexibility, and understated elegance in one of the area’s most established communities.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,556

Sqft

0.29 ac

Lot size

2

Garage

2019

Year built

One

Levels

$246

Per sqft

NegotiablePets allowed

Inside

FlooringLaminate · Tile
AppliancesConvection Oven · Cooktop · Dishwasher · Dryer · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Thermostat
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationBlock · Slab
FacesEast
ExteriorHurricane Shutters · Private Entrance · Private Yard · Sidewalk · Sliding Doors

Community & fees

HOA fee$239/mo
Taxes (2025)$6,360/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Available · Electricity Connected · Phone Available · Public · Sewer Available · Sewer Connected · Water Available · Water Connected
WaterPublic

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.

$4,564 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,399
PMI (est., until 20% equity)$236
Property tax — 2025 actual bill$530
HOA fee — from the listing$239
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $62,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $62,990
Interest rate6.00%
Loan term

Estimated payment

$4,564/mo

Principal & interest$3,399
PMI (est., until 20% equity)$236
Property taxes (actual bill)$530
HOA / condo fee$239
Est. insurance$160

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.

List $630K
$527KedgeAI estimate $587,366 · range $549K$639K$664K

vs edgeAI estimate

+7.2%

$/sqft vs Palm Coast actives

$246 vs $218

Days on market

193 vs 52 typical

Where $246/sqft sits among the 400 Palm Coast actives

224
72 · this home
36
28
15
25
$160–229$229–297$297–366$366–435$435–503$503+

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

Map of 208 HERON DRIVE

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

HighMatanzas High School★★★★
MiddleIndian Trails Middle School★★★★★
ElementaryOld Kings Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$355K$360K

Palm Coast median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

168 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 64% above the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

CurrentPrice reduced to $629,900 $20K
Jan 23, 2026Listed at $649,900 · 193 days on market since
2019Built · PALM COAST PLANTATION UN 4

Reality check

What actually sold near 208 HERON DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

52 SIGNET CIRSold · Aug ’25

$445,990

52 SIGNET CIR

4 bd · 3 ba · 2,566 sqft · $174/sqft · 20 DOM

155 AVALON AVENUESold · Nov ’25

$550,000

155 AVALON AVENUE

3 bd · 2 ba · 2,580 sqft · $213/sqft · 233 DOM

34 ORION DRIVESold · Aug ’25

$534,990

34 ORION DRIVE

3 bd · 3 ba · 2,468 sqft · $217/sqft · 12 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.

Darrick Cook

Your agent

Darrick Cook

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 208 HERON DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 208 HERON DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

208 HERON DRIVE FAQs

What would the monthly payment be for 208 HERON DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,564/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 208 HERON 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 208 HERON DRIVE?+

The most recent tax bill on record (2025) was $6,360. 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 208 HERON 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 $629,900, this home is listed about 57% above the Palm Coast median of $399,950. The market section on this page shows how the area is trending.

Which schools are assigned to 208 HERON 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

Four things that matter here

01Positioned at the premium end

$629,900 runs 64% above the PALM COAST 32137 median — but at 2,556 sqft it's also 35% larger than the typical Palm Coast listing.

02Time on market is leverage

193 days on market against a Palm Coast median of 52 — sellers in this position are usually ready to negotiate.

03Strong 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.

04The price has already moved

Listed at $649,900, now $629,900 — a $20K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS RLTY FL. PARTN · Carl Lilavois. MLS #FC315529.

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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208 HERON DRIVE, PALM COAST, FL — 3 Bed, 3 Bath — $629,900 | CENTURY 21 Edge