40 OAKLEAF WAY, PALM COAST, FL, 32137
Active52 days on marketListed Aug 21, 2026MLS #FC320880
About this home
40 OAKLEAF WAY
If you're looking for room to grow and space to breathe, come check out 40 Oakleaf Way in Palm Coast, FL! This beautifully built 5 bedroom, 3.5 bathroom block home offers the perfect blend of comfort and convenience. With generous living areas, plenty of storage, and a smart layout ideal for both everyday living and entertaining, there's space for everyone. Enjoy TWO family rooms! One on first floor and another upstairs. There is storage galore in this well thought out house. You'll love the fenced in backyard-perfect for pets, or just enjoying some privacy outdoors. The neighborhood features sidewalks for those evening strolls and a community pool where you can cool off and meet the neighbors! Tucked in a well-kept community and just a short drive to the beach, this home offers coastal living with all the room you've been craving. Don't miss your chance to make it yours-schedule your private showing today!
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
2,776
Sqft
0.14 ac
Lot size
2
Garage
2021
Year built
Two
Levels
$153
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.
$3,492 /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
$3,492/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
+1.6%
$/sqft vs SAWMILL CRK/PALM COAST PARK
$153 vs $196
Days on market
52 vs 72 typical
Where $153/sqft sits among the 6 homes for sale in SAWMILL CRK/PALM COAST PARK
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)
4 of 6
SAWMILL CRK/PALM COAST PARK have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% 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 OAKLEAF WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$405,000
93 RIVERTOWN ROAD · same community
4 bd · 3 ba · 2,363 sqft · $171/sqft · 53 DOM
Sold · Mar ’26$391,000
56 OAKLEAF WAY · same community
4 bd · 3 ba · 2,042 sqft · $191/sqft · 62 DOM
Sold · Nov ’25$380,000
65 OAKLEAF WAY · same community
4 bd · 2 ba · 2,003 sqft · $190/sqft · 227 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 40 OAKLEAF WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40 OAKLEAF WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
40 OAKLEAF WAY FAQs
What would the monthly payment be for 40 OAKLEAF WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,492/mo — principal and interest, the actual property-tax bill, the $27/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 OAKLEAF WAY?+
The association fee works out to $27 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 40 OAKLEAF WAY?+
The most recent tax bill on record (2025) was $7,305. 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 OAKLEAF WAY?+
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 $426,000, this home is listed about 9% above the Palm Coast median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 40 OAKLEAF WAY?+
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
$426,000 runs 12% above the PALM COAST 32137 median — but at 2,776 sqft it's also 47% larger than the typical Palm Coast listing.
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 $529,900, now $426,000 — a $104K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · M. Gina DosSantos. MLS #FC320880.
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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