
36 NEW WATER OAK DRIVE, PALM COAST, FL, 32137
Active16 days on marketListed Sep 24, 2026MLS #FC321676
About this home
36 NEW WATER OAK DRIVE
LUXURY LIVING MEETS RESORT-STYLE OUTDOOR LIVING! Built in 2020 and backing to the natural beauty of Graham Swamp preserve, this exceptional 4-bedroom, 3-bath, 3-car garage home offers 2,431 square feet of beautifully designed living space with an incredible sense of privacy and a level of finish that sets it apart. Step inside and the attention to detail is immediately apparent. The open-concept great room is anchored by a dramatic 12-foot coffered ceiling and a stunning Dimplex electric fireplace with custom feature wall. The heart of the home is the gorgeous kitchen, where a large island with waterfall-edge porcelain counters takes center stage. Beautiful cabinetry, matching porcelain backsplash and countertops create a seamless look, while extended cabinetry continues into the dining area for exceptional storage and visual impact. Wall ovens, upgraded appliances and a spacious closet pantry with frosted-glass door complete this impressive space. Throughout the home, 8-foot doors, crown molding, slow-close cabinetry and drawers, and tile flooring in every bedroom create a cohesive feel. Then the wall of sliders —and the Florida lifestyle begins. The great room opens to a spectacular private outdoor retreat featuring a covered patio and outdoor kitchen with granite counters, grill, refrigerator and wood cabinetry. Beyond is a beautiful, heated saltwater pool with sun shelf and spa-jet area, reaching approximately 6.5 feet at the deep end. The pool area is finished with sealed marble that stays cool underfoot, while electronic privacy roll-down shades on both sides of the screened enclosure allow you to create your own private oasis. A stunning outdoor feature wall with three fountains, illuminated with LED lighting, adds ambiance, while GEM lighting highlights the home and pool enclosure after sunset. The spacious primary suite continues the resort feel with direct access to the pool area, two walk-in closets and a luxurious ensuite featuring dual vanities, a beautiful soaking tub, oversized separate shower and private water closet. A second bedroom offers its own ensuite, making it ideal for guests. Two additional bedrooms provide flexibility, with one featuring a Murphy bed and an unusually deep closet for added storage. All bathrooms feature quartz countertops, while the guest baths offer tall vanities and glass-enclosed tub/shower combinations. And the upgrades continue beyond what meets the eye. A whole-house Kohler generator with four propane tanks provides peace of mind, while a whole-house water softener, alarm and camera system, keyless-entry lock, smart-home wiring and an electronic attic lift add convenience. The insulated attic has a finished floor, making seasonal storage easy. The 3-car garage features built-in shelving and a painted floor. Outside, enjoy a paver driveway and walkways, irrigation system, landscape lighting, wrought-iron fencing and surroundings that complement the private preserve backdrop. This is more than a beautifully finished home—it is a place designed for the way you want to live. Entertain inside or out, relax beside the pool, enjoy dinner under the covered patio, or simply open the sliders and let the peaceful preserve setting become part of your everyday view. All of this in Toscana, a gated community conveniently located off Old Kings Road with easy access to I-95, beaches, shopping and dining. Some homes are impressive. This one is an experience.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,431
Sqft
0.34 ac
Lot size
3
Garage
2020
Year built
One
Levels
$369
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.
$6,447 /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
$6,447/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
+9.2%
$/sqft vs Palm Coast actives
$369 vs $215
Days on market
16 vs 73 typical
Where $369/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)
204 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 136% 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 36 NEW WATER OAK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,000,000
98 NEW LEATHERWOOD DRIVE · same community
4 bd · 3.5 ba · 2,712 sqft · $369/sqft · 134 DOM
Sold · Mar ’26$862,500
17 NEW LEATHERWOOD DRIVE · same community
4 bd · 3.5 ba · 2,743 sqft · $314/sqft · 137 DOM
Sold · Feb ’26$412,000
68 AUBERRY DRIVE
3 bd · 3 ba · 2,363 sqft · $174/sqft · 9 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 36 NEW WATER OAK DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 36 NEW WATER OAK DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
36 NEW WATER OAK DRIVE FAQs
What would the monthly payment be for 36 NEW WATER OAK DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,447/mo — principal and interest, the actual property-tax bill, the $132/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 36 NEW WATER OAK DRIVE?+
The association fee works out to $132 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 36 NEW WATER OAK DRIVE?+
The most recent tax bill on record (2025) was $11,676. 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 36 NEW WATER OAK 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 $897,999, this home is listed about 130% 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 36 NEW WATER OAK 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
$897,999 runs 136% above the PALM COAST 32137 median — but at 2,431 sqft it's also 29% larger than the typical Palm Coast listing.
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 BERKSHIRE HATHAWAY HOMESERVICE (OCEANSHORE) · Maria Tilton. MLS #FC321676.
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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