103 HERON DRIVE, PALM COAST, FL, 32137
Active139 days on marketListed Mar 19, 2026MLS #FC317078
About this home
103 HERON DRIVE
Pre-Construction. To be built. To Be Built home and lot package in the gated community of Palm Coast Plantation, with photos representing a similar recently completed home—contact the listing agent for specific details. Built by Gold Coast Custom Homes, the Barbados floor plan offers 3 bedrooms, 3 full baths, a versatile flex room, and a 3-car garage with epoxy finish, all situated on a private conservation lot with room for a future pool and outdoor living. Designed with striking curb appeal, the home features a modern façade, paver driveway, and double glass entry opening to an expansive open-concept interior with volume ceilings, custom tray details, crown molding, and 8’ interior doors. The gourmet chef’s kitchen is the centerpiece, highlighted by a massive 9’ single-level quartz island, 42” upgraded maple cabinetry with crown molding, dovetail drawers, under-cabinet LED lighting, designer quartz countertops with full-height backsplash, and a walk-in pantry, all arranged in a highly functional culinary layout with curated storage solutions. Main living areas feature 12” x 24” designer tile flooring, complemented by wood-style flooring in the primary suite and flex space. The owner’s suite serves as a private retreat with a spa-inspired bath including a freestanding soaking tub, rain shower with floor-to-ceiling tile, dual quartz vanities, and spacious walk-in closets, while all bathrooms showcase full-height tilework and elevated finishes. Additional features include an oversized laundry with utility sink, concrete block construction finished with Sherwin Williams LOXON® Premium Paint, energy-efficient HVAC with Wi-Fi thermostat, impact front windows, hurricane panels, and a 10-year structural warranty. Outdoor living is enhanced with pre-plumbing for a summer kitchen and professionally designed low-maintenance landscaping with irrigation. Residents of Palm Coast Plantation enjoy resort-style amenities including a clubhouse, pool and spa, 126-acre lake, fitness center, tennis and pickleball courts, RV/boat storage, and Intracoastal access, all just minutes from Flagler Beach.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,543
Sqft
0.24 ac
Lot size
2
Garage
2027
Year built
One
Levels
$315
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.
$5,116 /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
$5,116/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
+18.4%
$/sqft vs Palm Coast actives
$315 vs $222
Days on market
139 vs 52 typical
Where $315/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 → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
182 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 109% 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 103 HERON DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$950,000
96 DEL PALMA DRIVE
3 bd · 2.5 ba · 2,572 sqft · $369/sqft · 21 DOM
Sold · May ’26$675,000
12 N LAKEWALK DRIVE
3 bd · 3 ba · 2,573 sqft · $262/sqft · 2 DOM
Sold · Mar ’26$614,000
1528 N DAYTONA AVENUE
4 bd · 4 ba · 2,584 sqft · $238/sqft · 230 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
Jillian Kobylesky
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 103 HERON DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 103 HERON DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
103 HERON DRIVE FAQs
What would the monthly payment be for 103 HERON DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,116/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 103 HERON 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 103 HERON DRIVE?+
The most recent tax bill on record (2025) was $1,207. 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 103 HERON DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $799,900, this home is listed about 100% 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 103 HERON 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
Three things that matter here
01Positioned at the premium end
$799,900 runs 109% above the PALM COAST 32137 median — but at 2,543 sqft it's also 34% larger than the typical Palm Coast listing.
02Time on market is leverage
139 days on market against a Palm Coast median of 52 — sellers in this position are usually ready to negotiate.
03Strong 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 BETTER HMS & GARDENS RE SYNERG · James Sheehan. MLS #FC317078.
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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