185 S RIVERWALK DRIVE, PALM COAST, FL, 32137
Pending134 days on marketListed Mar 26, 2026MLS #FC317007
About this home
185 S RIVERWALK DRIVE
Under Construction. Welcome to luxury waterfront living in Palm Coast Plantation, perfectly situated along the scenic INTRACOASTAL WATERWAY. This stunning custom POOL home offers the ideal blend of elegance, comfort, and Florida lifestyle. Spanning over 3,300 square feet of thoughtfully designed living space, this residence features 4 spacious bedrooms, a dedicated study, and expansive open-concept living areas with designer finishes throughout. The gourmet kitchen flows seamlessly into the great room and outdoor living space—perfect for entertaining or relaxing while enjoying serene water views. (Pool concept) Step outside to your private oasis complete with a resort-style pool, sun shelf, spa, and beautifully designed outdoor living and dining areas. Whether hosting guests or enjoying quiet evenings, this home delivers the ultimate indoor-outdoor experience. The luxurious master suite offers a peaceful retreat with spa-like bath, dual walk-in closets, and direct access to the outdoor living space. Additional bedrooms are generously sized, providing comfort and privacy for family and guests alike. Located within a gated, guard-secured community, Palm Coast Plantation offers an unmatched lifestyle with premium amenities including a large community pool and hot tub, fitness center, tennis and pickleball courts, basketball court, playground, and scenic walking paths. Residents also enjoy access to private docks on Emerald Lake and the Intracoastal, as well as RV and boat storage. Perfectly positioned, this home is just a short drive to the beautiful sands of Flagler Beach and all the shopping, dining, and conveniences of Palm Coast. This is more than a home—it’s a lifestyle. Don’t miss your opportunity to own a piece of paradise on the water.
Facts & features
The home at a glance
4
Bedrooms
5
Bathrooms
3,530
Sqft
0.47 ac
Lot size
3
Garage
2026
Year built
One
Levels
$467
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.
$10,162 /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
$10,162/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.
$/sqft vs Palm Coast actives
$467 vs $218
Days on market
134 vs 50 typical
Where $467/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)
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 331% 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 185 S RIVERWALK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$829,900
1465 LAMBERT AVENUE
4 bd · 3 ba · 3,520 sqft · $236/sqft · 86 DOM
Sold · Dec ’25$1,765,000
1520 LAMBERT AVENUE
4 bd · 3 ba · 3,591 sqft · $492/sqft · 0 DOM
Sold · Feb ’26$579,990
9 PERSEUS AVENUE
5 bd · 3.5 ba · 3,161 sqft · $183/sqft · 199 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 185 S RIVERWALK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 185 S RIVERWALK DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
185 S RIVERWALK DRIVE FAQs
What would the monthly payment be for 185 S RIVERWALK DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,162/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 185 S RIVERWALK 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 185 S RIVERWALK DRIVE?+
The most recent tax bill on record (2025) was $2,890. 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 185 S RIVERWALK 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 $1,650,000, this home is listed about 313% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 185 S RIVERWALK 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
$1,650,000 runs 331% above the PALM COAST 32137 median — but at 3,530 sqft it's also nearly twice the size of the typical Palm Coast listing.
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
134 days on market against a Palm Coast median of 50 — 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.
Keep looking
Similar homes nearby
Listing courtesy of TRADEMARK REALTY GROUP LLC · Steven Thomas. MLS #FC317007.
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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