19 RAINTREE CIRCLE, PALM COAST, FL, 32164
Active167 days on marketListed Feb 16, 2026MLS #FC316039
About this home
19 RAINTREE CIRCLE
Welcome to this beautifully maintained 3-bedroom, 2-bathroom home offering 1,769 square feet of comfortable living space in the highly desirable Rivergate gated community. From the moment you arrive, you’ll appreciate the fresh exterior paint and major system upgrades, including a NEW roof, NEW AC, and NEW water heater — giving you peace of mind for years to come. Step inside to discover: Soaring high ceilings, bright, open great room perfect for gathering, an eat-in kitchen ideal for everyday meals and entertaining. Spacious closets with built-in shelving. The home flows effortlessly to a large screened and covered lanai, where you can relax and enjoy tranquil water views in privacy and comfort. HOA includes lawn care for easy, low-maintenance living. Centrally located with convenient access to shopping, dining, and entertainment. This home combines comfort, convenience, and serene waterfront views — all within a secure, beautifully maintained community. Schedule your private showing today and experience the lifestyle Rivergate has to offer!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,769
Sqft
0.13 ac
Lot size
2
Garage
2005
Year built
One
Levels
$180
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.
$2,532 /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
$2,532/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
−7.3%
$/sqft vs Palm Coast actives
$180 vs $221
Days on market
167 vs 47 typical
Where $180/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 Lehigh Woods
Get to know Palm Coast. See the full Palm Coast guide →
Lehigh Woods — neighborhood snapshot
Population
13,339
Median age
44
Median income
$69,773
Median home value
$292,425
Avg household
3
Households w/ children
1,584
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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
167 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 6% below the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 19 RAINTREE CIRCLE
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$375,000
9 EMERSON DRIVE
3 bd · 2 ba · 1,753 sqft · $214/sqft · 107 DOM
Sold · Oct ’25$419,000
4 ESSINGTON LANE
3 bd · 2 ba · 1,749 sqft · $240/sqft · 26 DOM
Sold · Sep ’25$385,600
4 MULBERRY ROAD
3 bd · 2 ba · 1,807 sqft · $213/sqft · 508 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 19 RAINTREE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19 RAINTREE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
19 RAINTREE CIRCLE FAQs
What would the monthly payment be for 19 RAINTREE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,532/mo — principal and interest, the actual property-tax bill, the $224/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 19 RAINTREE CIRCLE?+
The association fee works out to $224 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 19 RAINTREE CIRCLE?+
The most recent tax bill on record (2025) was $1,628. 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 19 RAINTREE CIRCLE?+
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 $318,000, this home is listed about 19% below the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 19 RAINTREE CIRCLE?+
Rymfire Elementary School (elementary), Buddy Taylor Middle School (middle), Flagler-Palm Coast High School (high) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PALM COAST 32164 market on paper
$318,000 is 6% below the PALM COAST 32164 median of $339,990, and at $180/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.
03Time on market is leverage
167 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $329,000, now $318,000 — a $11K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of VIRTUAL HOMES REALTY · Ida Kuzmichova. MLS #FC316039.
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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