20 MOODY DRIVE, PALM COAST, FL, 32137
Active139 days on marketListed Mar 20, 2026MLS #FC317111
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Sun, Aug 9
12:00 PM – 2:00 PM
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About this home
20 MOODY DRIVE
Welcome to a Private Coastal Retreat - No HOA, Private Beach Access, and the Florida Lifestyle You’ve Been Waiting For. Private community beach access is steps from your front door. Nestled in the coveted Hammock community, this 3-bedroom, 2-bathroom home is a tasteful coastal retreat that has been beautifully remodeled, decorated, and meticulously maintained. No HOA means no restrictions making this an exceptional opportunity for a short-term rental investment or a peaceful full-time residence in one of Flagler County’s most serene, sought-after neighborhoods. Inside, engineered hardwood floors flow throughout an open-concept floor plan that connects the living, dining, and kitchen areas with large windows providing an abundance of natural light. The kitchen impresses with quartz countertops, stainless steel appliances, generous storage, and a breakfast nook with tranquil views of the landscaped backyard. The primary suite is a true retreat, featuring a luxurious en-suite with an oversized jacuzzi tub, separate shower, and two walk-in closets. Two additional bedrooms for flexibility for guests, a home office, or a fitness space. This home is turnkey ready for whatever lifestyle you envision. Step outside to your private outdoor oasis with a gorgeous screened and covered patio with fully fenced yard, perfectly suited for quiet evenings under the Florida sky. A private outdoor shower is perfect for the beach lifestyle. Plenty of room for a pool. The dog-friendly community and proximity to private beach access make this a destination guests and owners alike will never want to leave. Completing the package: a 2-car garage, ample parking, and top-rated schools nearby. Whether you’re looking for an income-producing coastal getaway or your own peaceful forever home this one checks every box. Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,813
Sqft
0.19 ac
Lot size
2
Garage
1998
Year built
One
Levels
$368
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 — not generic estimates.
$4,622 /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
$4,622/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
+10%
$/sqft vs Palm Coast actives
$368 vs $222
Days on market
139 vs 50 typical
Where $368/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)
184 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 74% 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 20 MOODY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$365,000
26 SAN CARLOS DRIVE
3 bd · 2 ba · 1,812 sqft · $201/sqft · 327 DOM
Sold · Mar ’26$520,000
14 DOGWOOD TERRACE
3 bd · 2 ba · 1,834 sqft · $284/sqft · 31 DOM
Sold · Aug ’25$575,000
67 BRISTOL LANE
3 bd · 2.5 ba · 1,786 sqft · $322/sqft · 0 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 20 MOODY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20 MOODY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20 MOODY DRIVE FAQs
What would the monthly payment be for 20 MOODY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,622/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 20 MOODY DRIVE?+
The most recent tax bill on record (2025) was $7,286. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Coast?+
At $668,000, this home is listed about 67% 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 20 MOODY 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
$668,000 runs 74% above the PALM COAST 32137 median.
02Time on market is leverage
139 days on market against a Palm Coast median of 50 — 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.
04The price has already moved
Listed at $679,000, now $668,000 — a $11K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Samantha Rosenbaum. MLS #FC317111.
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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