8 RIVER OAKS WAY, PALM COAST, FL, 32137
Active22 days on marketListed Sep 18, 2026MLS #FC321509
Come see it
Upcoming open house
Sun, Oct 11
12:00 PM – 2:00 PM
Saltwater heated pool home in the hammock gated community, RIVER OAKS with ONLY $600. annual HOA FEE/NO CDD!
About this home
8 RIVER OAKS WAY
Secluded Gated Community in The Hammock, situated between the Atlantic Ocean and the Intracoastal Waterway- YOU have found your DREAM HOME on this slice of barrier island paradise! Prepare to be enchanted by the lush low maintenance tropical landscaping surrounding this stunning saltwater pool and spa, with Pebble Tec upgraded finish. Has a new 2025 All Seasons electric heater and cooling system for the pool and the Spa is heated quickly with propane gas as needed. The fully screen enclosed oversized paver lanai is the ideal space for gatherings and so much more! This stunning outdoor retreat was added in 2018! This 4 bedroom / 2 bath home, boasts an open & inviting bright, split floor plan with beautiful luxury vinyl plank flooring and volume ceilings. The updated kitchen is equipped with Stainless Steel appliances, Granite Countertops completed with new cabinet hardware, in 2023. The open living room has a full wall of sliders that allows the morning light to pour in. There is a digital smart Thermostat, light switches, garage door opener that are digitally programmed with your phone and of course the digital ring door camera. The primary bedroom area is spacious enough to add a work out area or even an office; two walk-in closets have the organization of custom cabinet built-ins. The ensuite has double vanity w/granite tops, under-mounted sinks, comfort height commode, with a separate glass enclosed shower and a soaker tub! The owners have lavished this home with tender loving care, ensuring it is nothing short of fabulous. Underground Utilities, Street Lights; plus upgrades include Architectural Roof 2018. HVAC Motor / Module Controller new in 2022, Generac House Generator(NOT Connected), New Septic 2018, and Interior / Exterior Freshly Painted In 2020, 50 Gal Hot Water Heater-2022. Low Maintenance Tropical Landscaping 2021, includes drip irrigation and irrigation well for sprinklers with a wifi enabled controller! This incredible home is perfectly situated in the heart of an intracoastal waterway community, just minutes away from the beach, boating, grocery shopping, hospitals and restaurants
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,095
Sqft
0.32 ac
Lot size
2
Garage
2005
Year built
One
Levels
$382
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.
$5,446 /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
$5,446/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
+13.7%
$/sqft vs Palm Coast actives
$382 vs $215
Days on market
22 vs 73 typical
Where $382/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)
205 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 111% 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 8 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$850,000
17 MARBELLA COURT
3 bd · 2 ba · 2,058 sqft · $413/sqft · 66 DOM
Sold · Jul ’26$785,000
17 MARBELLA COURT
3 bd · 2 ba · 2,058 sqft · $381/sqft · 128 DOM
Sold · Jan ’26$417,888
20 COUNTRY CLUB HARBOR CIRCLE
3 bd · 3 ba · 2,057 sqft · $203/sqft · 2 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 8 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 8 RIVER OAKS 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
8 RIVER OAKS WAY FAQs
What would the monthly payment be for 8 RIVER OAKS WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,446/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 8 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 8 RIVER OAKS WAY?+
The most recent tax bill on record (2025) was $7,434. 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 8 RIVER OAKS WAY?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 $799,900, this home is listed about 105% 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 8 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.
The brief
Three things that matter here
01Positioned at the premium end
$799,900 runs 111% above the PALM COAST 32137 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 REALTY EXECUTIVES OCEANSIDE · Shannon Vinnick. MLS #FC321509.
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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