189 ASPEN WAY, PALM COAST, FL, 32137
Active2 days on marketListed Oct 8, 2026MLS #NS1089409
About this home
189 ASPEN WAY
Tucked within the exclusive gated golf course community of The Conservatory at Hammock Beach, this exquisitely appointed single-story home offers the perfect blend of luxury, comfort, and serene coastal Florida living. Built in 2017 and meticulously landscaped and maintained, this home offers unparalleled views of the Conservatory Golf Course's 17th fairway and green. The split plan includes 3 Bedrooms, 2.5 Baths, and a Study/Bonus room and and 18 Ft ceilings throughout. The Chef's kitchen boasts stainless steel KitchenAid appliances, under- and over-cabinet lighting , gas stove, oversized sink, quartz countertops and 42" cabinets while the Dining Area, strategically located off the kitchen, enhances the flow of the home. The living room features a gas fireplace accented with stacked stone, surrounded by built-ins. A large study or bonus room with French Doors and a Bay Window adds a touch of elegance. The Master Suite is a haven with light-filled windows; the en-suite bath includes dual vanities, a walk-in shower, and his-and-her walk-in closets. Triple sliders open to an inviting outdoor living area, perfect for entertaining. Step through the sliding glass doors onto the screened lanai, which is perfect for entertaining. Enjoy morning coffee or evening sunsets overlooking the golf course and your heated pool with decorative fountains. This is more than a home; it's a stunning masterpiece in an amazing community. Located within one of Palm Coast’s most sought-after communities, residents enjoy the privacy and security of the manned guard-gated environment surrounded by the Tom Watson-designed Conservatory golf course, with optional membership opportunities to Hammock Beach Club amenities including oceanfront beach access, pools, dining, and more. A perfect opportunity to own a move-in-ready home in a premier golf community. You must see it to truly appreciate the craftsmanship and lifestyle it offer —the pinnacle of Florida living at its finest.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,053
Sqft
0.17 ac
Lot size
2
Garage
2017
Year built
One
Levels
$404
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.
$6,190 /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
$6,190/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
+29.1%
$/sqft vs Palm Coast actives
$404 vs $216
Days on market
2 vs 75 typical
Where $404/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 118% 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 189 ASPEN WAY
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$833,000
431 BOURGANVILLE DRIVE · same community
3 bd · 3 ba · 2,253 sqft · $370/sqft · 147 DOM
Sold · Jan ’26$898,000
700 MAHOGANY RUN · same community
3 bd · 3 ba · 2,350 sqft · $382/sqft · 61 DOM
Sold · Jun ’26$833,000
213 CONSERVATORY DRIVE · same community
3 bd · 3 ba · 2,503 sqft · $333/sqft · 50 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 189 ASPEN WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 189 ASPEN WAY — 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
189 ASPEN WAY FAQs
What would the monthly payment be for 189 ASPEN WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,190/mo — principal and interest, the actual property-tax bill, the $406/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 189 ASPEN WAY?+
The association fee works out to $406 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 189 ASPEN WAY?+
The most recent tax bill on record (2025) was $10,077. 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 189 ASPEN WAY?+
The listing reports pets: 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 $829,000, this home is listed about 113% above the Palm Coast median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 189 ASPEN 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
Four things that matter here
01Positioned at the premium end
$829,000 runs 118% 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 2 days on market in a Palm Coast market that averages 75 — if it fits, move quickly.
04Strong 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 ENGEL & VOLKERS NEW SMYRNA · Lori Sharlow. MLS #NS1089409.
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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