
304 YACHT HARBOR DRIVE, PALM COAST, FL, 32137
Active27 days on marketListed Sep 13, 2026MLS #FC321172
About this home
304 YACHT HARBOR DRIVE
Personality, craftsmanship and the Intracoastal come together at 304 Yacht Harbor Drive. Custom built in 2023 by Dell Construction, this three-level custom residence offers 4,150 square feet of living space directly on the Intracoastal Waterway in Yacht Harbor Village and this home lives large. Designed around the water and the relaxed elegance of coastal living, each level offers its own experience, with expansive balconies and remarkable Intracoastal views on every floor. The result is a home that gives you room to gather when you want to, and room to retreat when you don't. The dedicated second-floor gathering space was made for the way people really live...movie nights, game nights, cocktails with friends or simply settling in to watch the boats go by. Entertain downstairs, gather upstairs, escape to your own space or take everyone outside by the pool. The best part? You get to choose. Throughout the home, smooth-finish walls, custom solid-wood interior doors, distinctive lighting and tile selections, custom remote-controlled window shades and beautifully finished closets reflect an exceptional level of detail. Premium appliances, an additional second-floor ice maker, central vacuum, water-leak detection, security cameras, integrated Sonos and surround sound add comfort and technology without sacrificing character. Each floor features its own electric fireplace, while the outdoor living spaces include a gas fireplace and gas connection on the second-level deck. Outside, the heated saltwater pool and spa are remotely operated and complemented by two waterfalls, premium pool equipment, an outdoor shower and approximately $75,000 in custom storm-screen protection. Even the garage received the custom treatment, with cabinetry and storage, a lifetime-warrantied floor system and a dedicated custom wash station, perfect for pets, sandy feet and everything that comes with life on the water. Four-zone HVAC and ceiling fans throughout complete a residence that feels exceptionally finished from top to bottom. And waterfront living here extends beyond your own backyard. Yacht Harbor Village is a true marina community, giving boaters the convenience of keeping their boat within the neighborhood marina and protected from the everyday wake of the Intracoastal. Marina slips may be available; buyers should contact the marina directly for current availability, pricing and requirements. The HOA adds another layer of ease with lawn and seawall maintenance included, leaving more time for the lifestyle that brought you here. For those who want to add the resort experience, club membership is optional and available separately through the nearby Hammock Dunes / Hammock Beach Club, subject to current membership offerings, availability and fees. Morning coffee overlooking the Intracoastal. An afternoon on the boat. Game night upstairs. Friends around the pool. Or a quiet sunset from your balcony. There isn't one way to live here. That's the point. 304 Yacht Harbor Drive was designed to be enjoyed.
Facts & features
The home at a glance
3
Bedrooms
4
Bathrooms
4,150
Sqft
0.11 ac
Lot size
2
Garage
2023
Year built
Three Or More
Levels
$446
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.
$12,639 /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
$12,639/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
+1.4%
$/sqft vs HARBOR VILLAGE MARINA
$446 vs $320
Days on market
27 vs 73 typical
Where $446/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 387% 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 304 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 · 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$1,500,000
240 YACHT HARBOR DRIVE · same community
4 bd · 5 ba · 4,508 sqft · $333/sqft · 852 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 304 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 304 YACHT HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
304 YACHT HARBOR DRIVE FAQs
What would the monthly payment be for 304 YACHT HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,639/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 304 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 304 YACHT HARBOR DRIVE?+
The most recent tax bill on record (2025) was $17,954. 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 304 YACHT HARBOR DRIVE?+
The listing reports pets: Number Limit. 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 $1,850,000, this home is listed about 374% 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 304 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
$1,850,000 runs 387% above the PALM COAST 32137 median — but at 4,150 sqft it's also nearly twice 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 #FC321172.
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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