73 WATERS DRIVE, PALM COAST, FL, 32164
Active0 days on marketListed Aug 9, 2026MLS #FC320544
About this home
73 WATERS DRIVE
ONE-OF-A-KIND CUSTOM CANAL HOME IN PALM COAST! Welcome to 73 Waters Drive, a truly unique custom-built home situated directly on Palm Coast’s freshwater canal system in the desirable W Section. Conveniently located just minutes from Downtown Palm Coast, Pine Lakes Golf Course, shopping, dining, schools, and everyday conveniences, this property offers an incredible combination of location, space, and waterfront living. Inside, you’ll find 4 spacious bedrooms, 2 full bathrooms, and a bonus climate-controlled workshop located just off the garage—perfect for a hobby room, workshop, additional storage, or flexible workspace. The custom kitchen features high-end cabinetry, generous storage, and plenty of space for entertaining. Step outside to the expansive screened lanai, complete with a large covered area where you can relax, entertain, and enjoy peaceful views of the freshwater canal. The backyard leads to your private dock, giving you direct access to the canal and creating the perfect setting for fishing, kayaking, or simply enjoying the Florida lifestyle. Additional features include a circular driveway, distinctive custom-home character, and a floor plan offering tremendous potential for its next owner. PRICED BELOW MARKET VALUE FOR A QUICK SALE! Opportunities like this are hard to find—especially for a custom-built waterfront home in Palm Coast. Schedule your private showing today before this one is gone!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,375
Sqft
0.23 ac
Lot size
2
Garage
1996
Year built
One
Levels
$168
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.
$2,857 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,857/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−2.5%
Days on market
0 vs 49 typical
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 Pine Lakes
Get to know Palm Coast. See the full Palm Coast guide →
Pine Lakes — neighborhood snapshot
Population
12,061
Median age
54
Median income
$75,387
Median home value
$315,200
Avg household
2
Households w/ children
868
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% above the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 73 WATERS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 73 WATERS DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
73 WATERS DRIVE FAQs
What would the monthly payment be for 73 WATERS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,857/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 73 WATERS DRIVE?+
The most recent tax bill on record (2025) was $1,995. 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 $399,900, this home is priced right at the Palm Coast median.
Which schools are assigned to 73 WATERS DRIVE?+
Buddy Taylor Middle School (middle), Rymfire Elementary School (elementary), Flagler-Palm Coast High School (high) — 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
$399,900 runs 17% above the PALM COAST 32164 median — but at 2,375 sqft it's also 26% larger than 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.
03Fresh on the market
Listed today in a Palm Coast market that averages 49 — if it fits, move quickly.
Listing courtesy of REALTY EXCHANGE, LLC · Chase Sabine. MLS #FC320544.
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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