44 CLUB HOUSE DRIVE UNIT 105, PALM COAST, FL, 32137
Active199 days on marketListed Jan 28, 2026MLS #FC315548
About this home
44 CLUB HOUSE DRIVE UNIT 105
Don’t miss this rare opportunity to own a light-filled WATERFRONT townhome in a peaceful, amenity-rich community! Situated directly on a large saltwater canal, this updated home offers the ultimate Florida lifestyle—whether you're watching boats drift by or enjoying a quiet moment on your private balcony watching the sunset over the water. Inside, you’ll find brand-new flooring upstairs, easy-to-maintain tile downstairs, upgraded vanity and light fixtures, ceiling fans throughout, and an abundance of natural light that fills the space with warmth. The spacious layout is ideal for both everyday living and entertaining. Your HOA takes the stress out of everyday living—covering water, trash, cable/internet, and even pest control. The community features resort-style amenities like a sparkling pool, a welcoming clubhouse, and a scenic walking path—perfect for morning jogs or sunset strolls. Plus, you’re just minutes from golf courses, restaurants, shopping, and more! Whether you're seeking a full-time residence, vacation escape, or investment property, this waterfront gem checks all the boxes. Live where others vacation—schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,127
Sqft
0.01 ac
Lot size
1977
Year built
Two
Levels
$186
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.
$2,323 /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
$2,323/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.
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
−3.5%
$/sqft vs Palm Coast actives
$186 vs $223
Days on market
199 vs 49 typical
Where $186/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 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 → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
206 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 45% 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 44 CLUB HOUSE DRIVE UNIT 105
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$199,000
46 CLUB HOUSE DRIVE UNIT 103 · same community
2 bd · 2 ba · 986 sqft · $202/sqft · 4 DOM
Sold · Oct ’25$215,000
42 CLUB HOUSE DRIVE UNIT 104 · same community
2 bd · 2 ba · 986 sqft · $218/sqft · 18 DOM
Sold · Apr ’26$150,000
54 CLUB HOUSE DRIVE UNIT 107 · same community
1 bd · 1 ba · 665 sqft · $226/sqft · 220 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 44 CLUB HOUSE DRIVE UNIT 105 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 44 CLUB HOUSE DRIVE UNIT 105 — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
44 CLUB HOUSE DRIVE UNIT 105 FAQs
What would the monthly payment be for 44 CLUB HOUSE DRIVE UNIT 105?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,323/mo — principal and interest, the actual property-tax bill, the $616/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 44 CLUB HOUSE DRIVE UNIT 105?+
The association fee works out to $616 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 44 CLUB HOUSE DRIVE UNIT 105?+
The most recent tax bill on record (2025) was $2,619. 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 44 CLUB HOUSE DRIVE UNIT 105?+
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 $209,900, this home is listed about 47% below the Palm Coast median of $399,450. The market section on this page shows how the area is trending.
Which schools are assigned to 44 CLUB HOUSE DRIVE UNIT 105?+
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
$209,900 is 45% below the PALM COAST 32137 median of $379,900, and at $186/sqft it sits under the Palm Coast average of $257.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $616/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
199 days on market against a Palm Coast median of 49 — 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 CHARLES UMPENHOUR INC · Savannah Umpenhour. MLS #FC315548.
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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