40 MOANA COURT S, PALM COAST, FL, 32137
Active67 days on marketListed Jun 5, 2026MLS #FC318940
About this home
40 MOANA COURT S
Welcome to your beachside retreat, perfectly positioned just a 5 minute walk from putting your toes in the sand. Located east of A1A, this better than new residence offers the ultimate beach lifestyle with easy access to the shoreline by foot or a short golf cart ride away. Built in 2023 and loaded with upgrades, this meticulously maintained home combines modern luxury with coastal charm. The open floor plan creates a bright and inviting atmosphere, ideal for both everyday living and entertaining. Inside, wide plank luxury vinyl flooring flows seamlessly throughout the main living areas, complemented by impressive 8 foot doors that enhance the open and airy feel. The interior has been freshly painted throughout, elevating the home well beyond the standard builder grade finish. The gourmet kitchen is a true centerpiece, featuring quartz countertops, abundant workspace, a generous pantry, and custom pull out shelving in most cabinets and drawers, making storage and organization effortless. Whether preparing meals or entertaining guests, this thoughtfully designed kitchen delivers both style and functionality. The spacious primary suite offers a spa like retreat with a stunning super shower, dual sink vanity, and a dream walk in closet that has been fully customized and beautifully built out. Outside, you'll appreciate the paver driveway, screened lanai, extended paver patio, and fully fenced backyard, perfect for relaxing, entertaining, or enjoying Florida's year round sunshine. The home is equipped with a complete gutter system around the exterior, providing both functionality and added curb appeal. The oversized garage provides space for two vehicles plus additional room for golf cart parking, making it easy to embrace the beachside lifestyle. Situated high and dry in Flood Zone X, this property requires no flood insurance, providing additional peace of mind. Beyond the home, you'll enjoy an unbeatable location. The renowned Hammock Beach Golf Resort & Spa is just one mile away, offering opportunities for golf and country club membership. Home to the acclaimed Jack Nicklaus designed Ocean Course, this championship 18 hole layout features six holes directly along the Atlantic Ocean, more oceanfront holes than any course in Florida. Everyday conveniences are close by with Publix just minutes away, local favorites like Bronx House Pizza and Captain's BBQ, and endless outdoor recreation at Bing's Landing, where you'll find a public boat launch, fishing pier, waterfront dining, and access to some of the area's best boating and fishing waters. Nature lovers will also appreciate nearby Washington Oaks Gardens State Park, known for its stunning formal rose gardens, scenic walking trails, kayak launches, and one of Florida's most unique coquina rock shorelines. When you're ready for a night out, vibrant Flagler Beach is only 15 minutes away, offering beachfront restaurants, bars, boutique shopping, and live music nearly every night. Historic St. Augustine is just 20 minutes north, providing world class dining, cultural attractions, and the charm of America's oldest city. Whether you're seeking a primary residence, second home, or beachside retreat, this exceptional property delivers luxury, location, and the Florida lifestyle you've been dreaming of. Please note the following items do not convey: refrigerator, washer, dryer, and jewelry box in master closet.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,142
Sqft
0.13 ac
Lot size
2
Garage
2023
Year built
One
Levels
$280
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.
$4,271 /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
$4,271/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
−3.3%
$/sqft vs Palm Coast actives
$280 vs $223
Days on market
67 vs 49 typical
Where $280/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)
197 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 58% 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 40 MOANA COURT S
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$765,000
10436 SEA BREEZE RIDGE DRIVE · same community
3 bd · 3 ba · 2,099 sqft · $364/sqft · 0 DOM
Sold · Mar ’26$740,000
10437 SEA BREEZE RIDGE DRIVE · same community
3 bd · 3 ba · 1,889 sqft · $392/sqft · 0 DOM
Sold · Oct ’25$565,000
48 MOANA COURT S · same community
3 bd · 2 ba · 1,813 sqft · $312/sqft · 17 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
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 40 MOANA COURT S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40 MOANA COURT S — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
40 MOANA COURT S FAQs
What would the monthly payment be for 40 MOANA COURT S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,271/mo — principal and interest, the actual property-tax bill, the $105/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 40 MOANA COURT S?+
The association fee works out to $105 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 40 MOANA COURT S?+
The most recent tax bill on record (2025) was $6,523. 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 40 MOANA COURT S?+
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 $599,900, this home is listed about 50% 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 40 MOANA COURT S?+
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
$599,900 runs 58% above the PALM COAST 32137 median.
02Strong 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.
03The price has already moved
Listed at $619,900, now $599,900 — a $20K cut. The full history is in the market section below.
Keep looking
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Listing courtesy of DJ & LINDSEY REAL ESTATE · Lawrence Cipollone. MLS #FC318940.
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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