122 DEL PALMA DRIVE, PALM COAST, FL, 32137
Active168 days on marketListed Feb 23, 2026MLS #FC316381
About this home
122 DEL PALMA DRIVE
Luxury Waterfront Living in Marina Del Palma – Premier Boating Community Welcome to this exceptional 3-bedroom, 3-bathroom home located in the highly sought-after Marina Del Palma boating community. Designed for both comfort and entertaining, this beautifully appointed residence offers the perfect blend of coastal elegance and modern convenience. Step inside to discover wood-look tile flooring throughout and an open-concept design featuring a spacious great room with stunning wood ceilings, a striking stone accent wall, and a cozy gas fireplace. Large sliding glass doors fill the home with natural light and showcase serene water and pool views. The expansive kitchen is a chef’s dream, complete with GE Profile appliances, quartz countertops, ample cabinetry, and an oversized island—perfect for gathering with family and friends. The kitchen and great room seamlessly overlook the lanai and saltwater pool (installed in 2022), creating an effortless indoor-outdoor lifestyle. The primary suite is a private retreat featuring sliding glass doors that open directly to the pool, tranquil water views, dual vanities, and a large walk-in shower. The second bedroom serves as a private en-suite, ideal for guests, while the third bedroom includes a spacious walk-in closet. An office niche provides additional flexible space for working from home. Enjoy Florida living year-round on the lanai, complete with a summer kitchen and gas & grill fireplace. Additional highlights include: 3-car garage with Tesla charging plug Plantation shutters in the garage and 2nd & 3rd bedrooms Dedicated laundry room with washer and dryer included Boat, furniture, and décor negotiable with purchase Marina Del Palma offers an unmatched boating lifestyle. HOA dues include boat storage, boat valet service, and full access to the beautifully appointed clubhouse—perfect for entertaining and community gatherings. This is more than a home—it’s a waterfront lifestyle.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,843
Sqft
0.14 ac
Lot size
3
Garage
2021
Year built
One
Levels
$423
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.
$5,815 /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
$5,815/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
+14%
$/sqft vs Palm Coast actives
$423 vs $223
Days on market
168 vs 49 typical
Where $423/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 Coast
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
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)
196 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 105% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 122 DEL PALMA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$725,000
11 DEL PALMA DRIVE · same community
3 bd · 3 ba · 1,845 sqft · $393/sqft · 4 DOM
Sold · Apr ’26$515,000
14 DEL PALMA DRIVE · same community
3 bd · 3 ba · 1,839 sqft · $280/sqft · 168 DOM
Sold · May ’26$535,000
11 RIO VISTA DRIVE · same community
3 bd · 2 ba · 2,020 sqft · $265/sqft · 533 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 122 DEL PALMA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 122 DEL PALMA DRIVE — 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
122 DEL PALMA DRIVE FAQs
What would the monthly payment be for 122 DEL PALMA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,815/mo — principal and interest, the actual property-tax bill, the $355/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 122 DEL PALMA DRIVE?+
The association fee works out to $355 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 122 DEL PALMA DRIVE?+
The most recent tax bill on record (2025) was $9,590. 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 122 DEL PALMA 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 $779,900, this home is listed about 95% above the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 122 DEL PALMA 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
Five things that matter here
01Positioned at the premium end
$779,900 runs 105% above the PALM COAST 32137 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
168 days on market against a Palm Coast median of 49 — 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 $799,900, now $779,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TRADEMARK REALTY GROUP LLC · Bruce Garrison. MLS #FC316381.
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 122 DEL PALMA DRIVE 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 Kamilla to ping you on any price or status change →