38 E DIAMOND DRIVE, PALM COAST, FL, 32164
Active16 days on marketListed Sep 24, 2026MLS #FC321514
About this home
38 E DIAMOND DRIVE
Virtually Staged. Updated cinder block POOL home in Palm Coast with no HOA. Features new luxury vinyl plank flooring and fresh interior paint throughout. The open-concept kitchen includes a breakfast bar overlooking the living area. The primary bedroom offers a large walk-in closet, ceiling fan, and private access to the screened lanai and pool. Bathrooms feature high ceilings and skylights. The screened pool is approximately 7 feet deep, and the large pool patio provides space for a BBQ and outdoor seating. The property also includes a spacious, fully fenced backyard with a producing lemon tree. Roof replaced in 2022, water heater in 2019, HVAC in 2016, and newer vinyl fence. No HOA, NO CDDs and NO rental restrictions! LOCATION! LOCATION! Enjoy exceptional convenience with Publix, Target, TJ Maxx, Palm Coast Landing, restaurants, shopping, and Epic Theatres just minutes away. Seminole Woods Park, schools, the library, walking and biking trails, pharmacies, and medical facilities are also nearby. AdventHealth Palm Coast is approximately six minutes away, I-95 is easily accessible, and Flagler Beach is only about 10–15 minutes from the home. Palm Coast is a paradise for outdoor enthusiasts, where you can enjoy over 19 miles of uncrowded coastline, 125 miles of hiking and biking trails, 15+beautiful parks, world-class golfing and tennis facilities, as well as excellent fishing and boating opportunities. With your own private pool and everything Palm Coast has to offer within easy reach, this could be the home you have been waiting for.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,433
Sqft
0.23 ac
Lot size
2
Garage
1988
Year built
One
Levels
$258
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 — not generic estimates.
$2,856 /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
$2,856/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
+7%
$/sqft vs Palm Coast actives
$258 vs $216
Days on market
16 vs 73 typical
Where $258/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 Cypress Knoll
Get to know Palm Coast. See the full Palm Coast guide →
Cypress Knoll — neighborhood snapshot
Population
3,641
Median age
57
Median income
$57,009
Median home value
$360,266
Avg household
2
Households w/ children
277
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 10% above the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 38 E DIAMOND DRIVE
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$347,500
19 ETHEL LANE · same community
4 bd · 2 ba · 1,656 sqft · $210/sqft · 0 DOM
Sold · Sep ’26$420,000
46 EGRET TRAIL · same community
3 bd · 2 ba · 1,687 sqft · $249/sqft · 7 DOM
Sold · Jan ’26$339,000
11 ERIC DRIVE · same community
3 bd · 2 ba · 1,721 sqft · $197/sqft · 12 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 38 E DIAMOND DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38 E DIAMOND DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
38 E DIAMOND DRIVE FAQs
What would the monthly payment be for 38 E DIAMOND DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,856/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 38 E DIAMOND DRIVE?+
The most recent tax bill on record (2025) was $4,326. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Coast?+
At $369,000, this home is listed about 5% below the Palm Coast median of $389,990. The market section on this page shows how the area is trending.
Which schools are assigned to 38 E DIAMOND DRIVE?+
Bunnell Elementary School (elementary), Flagler-Palm Coast High School (high), Buddy Taylor Middle School (middle) — Flagler County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE · Dominik Karnas. MLS #FC321514.
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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