
303 YACHT HARBOR DRIVE, PALM COAST, FL, 32137
Active47 days on marketListed Aug 24, 2026MLS #FC320893
About this home
303 YACHT HARBOR DRIVE
PRIVACY. WATERFRONT. NEARLY 5,900 SQUARE FEET. A rare combination in Yacht Harbor Village, this impressive three story custom residence offers 5,884 square feet of living space along with an exceptional opportunity for added privacy. The adjacent vacant waterfront homesite is also available for purchase separately, while community owned property borders the opposite side, creating the unique possibility of enjoying your waterfront home with no immediate neighbors on either side. Ask for additional details regarding the available homesite. Built in 2009 and positioned along a protected saltwater canal just moments from the Intracoastal Waterway, the property features a concrete seawall and a floor plan designed to make the most of all three levels. An elevator provides easy access throughout the home, while multiple balconies and verandas extend the living outdoors and capture coastal breezes, sunsets and Intracoastal vistas. The second floor serves as the heart of the home, bringing together an expansive kitchen, great room, dining areas, beverage center, guest accommodations and private office. Beautiful woodwork, wide hallways and thoughtful architectural details add warmth and character throughout. Three fireplaces, one on each level, create inviting gathering spaces from top to bottom. The third floor provides a private retreat highlighted by an impressive primary suite with fireplace, veranda access and two walk in dressing rooms. The primary bath offers dual vanities, a soaking tub and a large walk in shower with built in seating. An additional guest bedroom provides even more flexibility for family and visitors. The first floor lives almost like a retreat of its own, with another great room and fireplace, wet bar, guest accommodations, full bath and direct access to the covered outdoor living areas and backyard. An oversized, fully air conditioned room off the garage offers exceptional flexibility for year round storage, a workshop, hobbies or projects. Additional features include newer Daikin A/C systems servicing each level, a Briggs & Stratton standby generator and two newer electric water heaters. Located within Yacht Harbor Village, one of Palm Coast's gated marina communities, this is a setting made for those who want the water to be part of everyday life. Protected canal frontage offers a quieter waterfront setting while keeping the Intracoastal Waterway within easy reach. Hammock Beach Marina is located within the community, adding another dimension to the boating lifestyle. Optional memberships are available separately through The Club at Hammock Beach and Hammock Dunes Club, offering additional opportunities for golf, tennis, dining, fitness and social activities. Whether your perfect Florida day begins on the water, on the golf course or along the Atlantic, this property brings together something increasingly difficult to find: substantial space, waterfront living, multiple levels of indoor and outdoor living, and the opportunity for remarkable privacy. Schedule your private showing and discover the possibilities of life in Yacht Harbor Village.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
5,884
Sqft
0.13 ac
Lot size
2
Garage
2009
Year built
Three Or More
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.
$11,704 /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
$11,704/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.
$/sqft vs HARBOR VILLAGE MARINA
$280 vs $332
Days on market
47 vs 73 typical
Where $280/sqft sits among the 6 homes for sale in HARBOR VILLAGE MARINA
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)
3 of 6
HARBOR VILLAGE MARINA have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 334% 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 303 YACHT HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,500,000
240 YACHT HARBOR DRIVE · same community
4 bd · 5 ba · 4,508 sqft · $333/sqft · 852 DOM
Sold · Mar ’26$1,570,000
228 YACHT HARBOR DRIVE · same community
4 bd · 4.5 ba · 4,487 sqft · $350/sqft · 129 DOM
Sold · Dec ’25$1,325,000
224 HARBOR VILLAGE POINT N · same community
3 bd · 4 ba · 3,478 sqft · $381/sqft · 41 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 303 YACHT HARBOR DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 303 YACHT HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
303 YACHT HARBOR DRIVE FAQs
What would the monthly payment be for 303 YACHT HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,704/mo — principal and interest, the actual property-tax bill, the $307/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 303 YACHT HARBOR DRIVE?+
The association fee works out to $307 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 303 YACHT HARBOR DRIVE?+
The most recent tax bill on record (2025) was $20,573. 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 303 YACHT HARBOR DRIVE?+
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 $1,650,000, this home is listed about 323% above the Palm Coast median of $389,990. The market section on this page shows how the area is trending.
Which schools are assigned to 303 YACHT HARBOR 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
Three things that matter here
01Positioned at the premium end
$1,650,000 runs 334% above the PALM COAST 32137 median — but at 5,884 sqft it's also nearly 3 times the size of 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.
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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX SELECT PROFESSIONALS · Pam Capela. MLS #FC320893.
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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