55 CAMELLIA STREET, PALM COAST, FL, 32137
Active171 days on marketListed Feb 21, 2026MLS #FC316355
About this home
55 CAMELLIA STREET
POND-FRONT SUNSET VIEWS | BUILT IN 2024 | MOVE-IN READY Why wait months for new construction when you can move right into this beautifully upgraded waterfront home in Somerset at Palm Coast? Situated on a premium pond-front homesite with desirable western rear exposure, this 3-bedroom, 2.5-bath home offers 1,926 square feet of thoughtfully designed living space and breathtaking sunset views from your covered lanai. Enjoy peaceful water views every day, with the community pool located just across the pond, creating a relaxed resort-style setting right outside your back door. Inside, the open-concept floor plan is ideal for both everyday living and entertaining. The spacious kitchen features granite countertops, solid wood cabinetry, tile backsplash, and abundant prep space, all flowing seamlessly into the dining and living areas. Tile flooring extends throughout the entire first floor, complemented by upgraded 5.5-inch baseboards for a clean, modern finish. Upstairs, hardwood flooring runs throughout the second level. The spacious primary suite offers a large walk-in closet and private bath, while two additional bedrooms, a full bathroom, and a dedicated laundry room provide flexibility for family, guests, or a home office. Unlike new construction, this home already includes valuable upgrades and completed improvements, including epoxy garage floors, installed gutters, and remaining builder warranty coverage. ENERGY STAR® certified for efficiency and comfort, this home was designed to help reduce utility costs while providing modern, low-maintenance living. Conveniently located near shopping, dining, medical facilities, and just minutes from Flagler Beach, this is an opportunity to own a nearly new waterfront home with upgrades already in place—without the added expense, uncertainty, or wait of building. Ask about available lender incentives, including closing cost assistance and interest rate buy-down options for qualified buyers.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,926
Sqft
0.11 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$176
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.
$2,944 /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
$2,944/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
−18%
$/sqft vs SOMERSET
$176 vs $199
Days on market
171 vs 49 typical
Where $176/sqft sits among the 16 homes for sale in SOMERSET
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.
The investor lens
Two ways this home pays
This home sits inside Somerset, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,000/mo median
Live Palm Coast rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Somerset
Somerset is a short-term-rental community. See the full 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)
2 of 16
SOMERSET have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% 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 55 CAMELLIA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$415,000
6203 WOODSFIELD WAY · same community
3 bd · 2 ba · 1,767 sqft · $235/sqft · 0 DOM
Sold · Feb ’26$305,990
33 CAMELLIA STREET · same community
4 bd · 2 ba · 1,707 sqft · $179/sqft · 324 DOM
Sold · May ’26$299,901
208 SUMMER SAILS DRIVE · same community
3 bd · 2 ba · 1,269 sqft · $236/sqft · 5 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 55 CAMELLIA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 55 CAMELLIA STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
55 CAMELLIA STREET FAQs
What would the monthly payment be for 55 CAMELLIA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,944/mo — principal and interest, the actual property-tax bill, the $33/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 55 CAMELLIA STREET?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 55 CAMELLIA STREET?+
The most recent tax bill on record (2025) was $7,260. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 55 CAMELLIA STREET be rented short-term?+
Yes — this home sits inside Somerset, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 55 CAMELLIA STREET?+
The listing reports pets: Number Limit, 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 $339,000, this home is listed about 15% below the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 55 CAMELLIA STREET?+
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
$339,000 is 11% below the PALM COAST 32137 median of $379,995, and at $176/sqft it sits under the Palm Coast average of $258.
02Zoned for nightly rentals
Somerset is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
04Time on market is leverage
171 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 TAKE ACTION PROPERTIES, LLC · Esteban Polastri. MLS #FC316355.
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.
Never miss a listing
New Palm Coast homes, in your inbox
Like 55 CAMELLIA STREET but not quite? A daily digest of every new listing in Palm Coast — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Angela to ping you on any price or status change →