9 RIVER OAKS WAY, PALM COAST, FL, 32137
Active17 days on marketListed Sep 23, 2026MLS #FC321462
Come see it
Upcoming open house
Sun, Oct 11
12:00 PM – 2:00 PM
About this home
9 RIVER OAKS WAY
Virtually Staged. Tucked away in the highly sought-after gated community of River Oaks in the Hammock, 9 River Oaks Way offers the perfect blend of privacy, timeless style, and coastal Florida living. Opportunities in this intimate community are rare, with low HOA fees and exclusive access to a private dock and fishing pier on the Intracoastal Waterway. Built in 2015 and offering more than 2,300 square feet of beautifully maintained living space, this home welcomes you with an oversized cobblestone driveway, tile roof, and an impressive 26' x 26' garage with room to accommodate an 18-foot boat. Inside, soaring vaulted and coffered ceilings create an open, elegant feel, while luxury vinyl plank flooring flows throughout the home with tile in the bathrooms for easy maintenance and a clean, updated look. The thoughtfully designed floor plan includes a formal dining room, separate office or den, and spacious living areas ideal for both everyday living and entertaining. The kitchen features granite countertops, 42-inch cherry cabinetry, stainless steel appliances, and generous pantry storage. The owner's suite offers a comfortable private retreat with oversized closets and a spacious ensuite bath featuring separate vanities, a soaking tub, Roman-style walk-in shower, and tile flooring. Outside, enjoy a private 22-foot patio overlooking the fully fenced yard, offering plenty of space for pets, entertaining, gardening, or simply relaxing and enjoying the Florida sunshine. Additional features include a new HVAC system and water heater, both installed in 2024, hurricane shutters, a dedicated well for the irrigation system, abundant storage, and the unique "Florida basement." Beyond the home, River Oaks offers something increasingly difficult to find in the Hammock: a gated setting with low HOA fees and private Intracoastal access, all while being just minutes from the beach, local dining, and everything that makes this stretch of Palm Coast so special. 9 River Oaks Way isn't simply a home near the water—it's an opportunity to enjoy the privacy, laid-back lifestyle, and coastal charm the Hammock is known for.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,353
Sqft
0.3 ac
Lot size
2
Garage
2015
Year built
One
Levels
$291
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.
$4,444 /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
$4,444/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
+18.6%
$/sqft vs Palm Coast actives
$291 vs $216
Days on market
17 vs 73 typical
Where $291/sqft sits among the 400 Palm Coast actives
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)
202 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 80% 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 9 RIVER OAKS WAY
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$367,503
14 FOLSON LANE
3 bd · 3 ba · 2,364 sqft · $155/sqft · 501 DOM
Sold · Apr ’26$1,325,000
19 AVENUE DE LA MER UNIT 705
2 bd · 2.5 ba · 2,340 sqft · $566/sqft · 79 DOM
Sold · Oct ’26$1,275,000
19 AVENUE DE LA MER UNIT 805
3 bd · 2.5 ba · 2,340 sqft · $545/sqft · 0 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 9 RIVER OAKS WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9 RIVER OAKS WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9 RIVER OAKS WAY FAQs
What would the monthly payment be for 9 RIVER OAKS WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,444/mo — principal and interest, the actual property-tax bill, the $50/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 9 RIVER OAKS WAY?+
The association fee works out to $50 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9 RIVER OAKS WAY?+
The most recent tax bill on record (2025) was $3,371. 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 9 RIVER OAKS WAY?+
The listing reports pets: Breed Restrictions, 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 $685,000, this home is listed about 76% 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 9 RIVER OAKS 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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX SELECT PROFESSIONALS · Jennifer Mock. MLS #FC321462.
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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