8 COUNTRY CLUB HARBOR CIRCLE, PALM COAST, FL, 32137
Active6 days on marketListed Oct 4, 2026MLS #FC321858
About this home
8 COUNTRY CLUB HARBOR CIRCLE
This one has it all: water and golf course views, two primary suites, location within walking distance to the Intracoastal Waterway, European Village and local marina, community access to the canals for kayaks and a huge lanai and heated saltwater pool/spa. It’s the best of Florida living! Built in 2018, this home is located in Country Club Harbor, a gated community with sidewalks as well as a community pier and kayak launch area. Convenient to schools, stores, restaurants, local golf course and walking trails, this property features plenty of storage spaces with walk-in closets in the two primary bedrooms and attic access with pulldown stairs and flooring. The finished garage floor, the large hanging storage shelves in the garage and the A/C in the garage add to the functionality of the garage space. Both the driveway and the lanai are finished with brick pavers; the huge lanai (22 X 40) has a large covered area as well as a bar area for outdoor entertaining. The spacious salt water pool is 18 X 30 with a spa and a Hayward control panel for accessing the pool features inside the house - not to mention a gorgeous water and golf course view. Granite kitchen counters with a kitchen island, walk-in pantry, and dual stainless steel sinks add to the beauty of this property. If you are considering a second home purchase, the furnishings are negotiable.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,919
Sqft
0.21 ac
Lot size
2
Garage
2018
Year built
One
Levels
$338
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.
$4,443 /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
$4,443/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
+21.2%
$/sqft vs Palm Coast actives
$338 vs $215
Days on market
6 vs 73 typical
Where $338/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 Harbor
Get to know Palm Coast. See the full Palm Coast guide →
Palm Harbor — neighborhood snapshot
Population
16,621
Median age
57
Median income
$73,524
Median home value
$373,781
Avg household
2
Households w/ children
1,152
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 71% 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 COUNTRY CLUB HARBOR CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$489,000
6 COUNTRY CLUB HARBOR CIRCLE · same community
3 bd · 2 ba · 1,930 sqft · $253/sqft · 97 DOM
Sold · Jan ’26$417,888
20 COUNTRY CLUB HARBOR CIRCLE · same community
3 bd · 3 ba · 2,057 sqft · $203/sqft · 2 DOM
Sold · Apr ’26$765,000
38 COUNTRY CLUB HARBOR CIRCLE · same community
3 bd · 3 ba · 2,057 sqft · $372/sqft · 233 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8 COUNTRY CLUB HARBOR CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8 COUNTRY CLUB HARBOR CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8 COUNTRY CLUB HARBOR CIRCLE FAQs
What would the monthly payment be for 8 COUNTRY CLUB HARBOR CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,443/mo — principal and interest, the actual property-tax bill, the $107/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 COUNTRY CLUB HARBOR CIRCLE?+
The association fee works out to $107 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8 COUNTRY CLUB HARBOR CIRCLE?+
The most recent tax bill on record (2025) was $5,171. 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 COUNTRY CLUB HARBOR CIRCLE?+
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 $649,000, this home is listed about 66% 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 COUNTRY CLUB HARBOR CIRCLE?+
Indian Trails Middle School (middle), Matanzas High School (high), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$649,000 runs 71% 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.
03Fresh on the market
Only 6 days on market in a Palm Coast market that averages 73 — if it fits, move quickly.
04Strong assigned schools
Indian Trails Middle School, Matanzas High 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 · Jeanne Nix. MLS #FC321858.
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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