5 DOGWOOD TERRACE, PALM COAST, FL, 32137
Active10 days on marketListed Aug 18, 2026MLS #FC320792
About this home
5 DOGWOOD TERRACE
So close to the beach you can feel the tide rise as you sit in your newly built home! Centrally located in the highly desirable Armand Beach area, this coastal gem offers the ultimate Florida lifestyle. Grab your golf cart and cruise straight to the pristine coquina sand, or run down to the local fish market for the freshest catch you will find anywhere. The true rarity of Dogwood Terrace? Absolute freedom. With zero HOA fees and no deed restrictions, you have the flexibility to live life on your terms. Park your boat or RV right on the property, or take advantage of the unrestricted short-term rental potential to create a high-performing investment asset. Whether you are looking for an everyday beachside retreat or a lucrative coastal getaway, this centrally located lot puts the very best of the A1A corridor right at your fingertips.
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$1,599 /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
$1,599/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.
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 47% below the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 5 DOGWOOD TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$520,000
14 DOGWOOD TERRACE · same community
3 bd · 2 ba · 1,834 sqft · $284/sqft · 31 DOM
Sold · Jul ’26$222,000
8 SWEETBAY DRIVE · same community
3 bd · 2 ba · 1,950 sqft · $114/sqft · 113 DOM
Sold · Sep ’25$751,340
22 MAHOE DRIVE N · same community
3 bd · 2.5 ba · 2,566 sqft · $293/sqft · 108 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 5 DOGWOOD TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5 DOGWOOD TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5 DOGWOOD TERRACE FAQs
What would the monthly payment be for 5 DOGWOOD TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,599/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 5 DOGWOOD TERRACE?+
The most recent tax bill on record (2025) was $2,080. 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 $199,999, this home is listed about 50% below the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 5 DOGWOOD TERRACE?+
Old Kings Elementary School (elementary), Matanzas High School (high), Indian Trails Middle School (middle) — Flagler County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WORTH CLARK REALTY · Richard Hoover. MLS #FC320792.
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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