133 OAKLEAF WAY, PALM COAST, FL, 32137
Active8 days on marketListed Oct 17, 2026MLS #FC322018
About this home
133 OAKLEAF WAY
Room to spread out, space to entertain, and so much to love! From the moment you step inside, this beautifully maintained Holiday-built home in Sawmill Creek welcomes you with THREE SPACIOUS BEDROOMS, TWO FULL BATHROOMS, and a generous open layout that makes the entire home feel bright and inviting. Sparkling clean and filled with thoughtful upgrades, it is one of the few concrete block homes in the neighborhood. Soaring 10- to 12-foot ceilings add to the sense of space, while beautiful luxury vinyl flooring in the main living areas creates a warm welcome. Imagine friends gathered around the kitchen’s center island, dinner coming together, and conversation flowing into the spacious family room. With loads of cabinets and an inviting open layout, this kitchen makes everyday living and entertaining a pleasure. Even the details have been thoughtfully considered, including decorative tile along the seating side of the bar to help protect the wall from scuffs. All three bedrooms offer comfortable space to unwind and make your own. One features double doors, making it a wonderful option for a home office or welcoming guest room. The spacious laundry room provides plenty of extra storage, and an additional refrigerator stays with the home for added convenience. Outside, your own beautiful retreat awaits. Enjoy morning coffee on the screened lanai, host dinner with the outdoor kitchen, or settle into the built-in seating after a day at the beach. Beautiful landscaping and a fenced backyard create a private setting where you can relax and enjoy being home. The upgrades extend well beyond what you see, with hurricane shutters for most windows, self-storing hurricane door shutters at the front and rear, Bermuda shutters, a whole-house surge protector, full-house gutters, added garage-door and attic insulation, and side-yard drainage improvements. Approximately 10 minutes from the beach and conveniently located for commuting to St. Augustine or Daytona Beach, this home brings together generous living space, thoughtful comforts, and the Florida lifestyle you’ve been dreaming about. What an incredible value in Sawmill Creek—come step inside, stretch out, and imagine your next chapter here!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,885
Sqft
0.14 ac
Lot size
2
Garage
2020
Year built
One
Levels
$174
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.
$3,100 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,100/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−0.5%
$/sqft vs SAWMILL CRK/PALM COAST PARK
$174 vs $177
Days on market
8 vs 65 typical
Where $174/sqft sits among the 7 homes for sale in SAWMILL CRK/PALM COAST PARK
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)
5 of 7
SAWMILL CRK/PALM COAST PARK have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% below the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 133 OAKLEAF WAY
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$329,500
25 RIVERTOWN ROAD · same community
3 bd · 2 ba · 1,907 sqft · $173/sqft · 44 DOM
Sold · Nov ’25$380,000
65 OAKLEAF WAY · same community
4 bd · 2 ba · 2,003 sqft · $190/sqft · 227 DOM
Sold · Sep ’26$330,000
48 OAKLEAF WAY · same community
4 bd · 2 ba · 2,003 sqft · $165/sqft · 65 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 133 OAKLEAF WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 133 OAKLEAF WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
133 OAKLEAF WAY FAQs
What would the monthly payment be for 133 OAKLEAF WAY?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,100/mo — principal and interest, the actual property-tax bill, the $36/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 133 OAKLEAF WAY?+
The association fee works out to $36 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 133 OAKLEAF WAY?+
The most recent tax bill on record (2025) was $6,131. 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 133 OAKLEAF WAY?+
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 $327,500, this home is listed about 16% below the Palm Coast median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 133 OAKLEAF 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 REALTY EXCHANGE, LLC · Julie Sabine. MLS #FC322018.
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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