
234 HARBOR VILLAGE POINT N, PALM COAST, FL, 32137
Active3 days on marketListed Aug 25, 2026MLS #O6436215
About this home
234 HARBOR VILLAGE POINT N
DON’T JUST BUILD A HOME—BUILD THE FLORIDA WATERFRONT LIFESTYLE YOU’VE BEEN DREAMING ABOUT! Welcome to Yacht Harbor Village, where your day can begin with coffee overlooking the water and end with a sunset cruise on the Intracoastal. This saltwater canal homesite offers the opportunity to build your custom coastal residence in a gated waterfront community with DIRECT ACCESS TO THE INTRACOASTAL WATERWAY and the ability to add a PRIVATE DOCK, subject to community and permitting requirements. Imagine keeping your boat right behind your home, slipping away for an afternoon of fishing, cruising the Intracoastal, exploring waterfront destinations, or continuing along Florida's Intracoastal Waterway with access to the Atlantic beyond. Prefer marina life? Yacht Harbor Village also features an on-site full-service marina, along with a racquets center, pool and spa overlooking the Intracoastal, and fitness facilities. And the lifestyle doesn't stop at the water. Ownership provides the opportunity to join The Club at Hammock Beach, where available membership options open the door to an extraordinary collection of resort amenities, including two championship golf courses—the spectacular Jack Nicklaus Signature Ocean Course featuring six holes overlooking the Atlantic Ocean and the Tom Watson Signature Conservatory Course. Club amenities include Atlantic Ocean beach access, multiple swimming pools including a lazy river and multi-level waterpark, tennis and pickleball, fitness facilities, spa and wellness amenities, dining and a calendar of social activities. Here you can spend the morning boating, the afternoon playing oceanfront golf and the evening enjoying dinner along Florida's beautiful northeast coast. When you're ready to venture beyond the community, scenic A1A, Atlantic beaches, local restaurants, shopping, parks and miles of coastal recreation are all nearby, while historic St. Augustine and Daytona Beach make for easy day trips. Best of all, there is currently no required timeframe to build, allowing you to secure your piece of waterfront Florida now and create your dream home when the time is right with an approved custom builder. There are plenty of vacant lots for sale—but very few have the opportunity to create a life where YOUR BACKYARD CAN BECOME YOUR GATEWAY TO THE INTRACOASTAL, THE ATLANTIC AND EVERYTHING THAT MAKES COASTAL FLORIDA SPECIAL. Come stand on this homesite, look down the canal and imagine where your boat—and your next chapter—could be.
Facts & features
The home at a glance
0.11 ac
Lot size
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.
$1,688 /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
$1,688/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.
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% 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 234 HARBOR VILLAGE POINT N
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$400,000
102 YACHT HARBOR DRIVE UNIT 566 · same community
2 bd · 2 ba · 1,351 sqft · $296/sqft · 48 DOM
Sold · Aug ’26$325,000
102 YACHT HARBOR DRIVE UNIT 278 · same community
2 bd · 2 ba · 1,351 sqft · $241/sqft · 209 DOM
Sold · Nov ’25$399,000
102 YACHT HARBOR DRIVE UNIT 465 · same community
2 bd · 2 ba · 1,570 sqft · $254/sqft · 6 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
Leliana Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 234 HARBOR VILLAGE POINT N — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 234 HARBOR VILLAGE POINT N — before you fall in love.
See it in person
Schedule a tour
Live availability from Leliana's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
234 HARBOR VILLAGE POINT N FAQs
What would the monthly payment be for 234 HARBOR VILLAGE POINT N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,688/mo — principal and interest, the actual property-tax bill, the $201/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 234 HARBOR VILLAGE POINT N?+
The association fee works out to $201 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 234 HARBOR VILLAGE POINT N?+
The most recent tax bill on record (2025) was $2,248. 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 234 HARBOR VILLAGE POINT N?+
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 $180,000, this home is listed about 55% below the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 234 HARBOR VILLAGE POINT N?+
Old Kings Elementary School (elementary), Matanzas High School (high), Indian Trails Middle School (middle) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PALM COAST 32137 market on paper
$180,000 is 52% below the PALM COAST 32137 median of $375,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 3 days on market in a Palm Coast market that averages 48 — if it fits, move quickly.
04Strong assigned schools
Old Kings Elementary School, Matanzas High School, Indian Trails Middle School — Old Kings Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX 200 REALTY · Tom Langmann. MLS #O6436215.
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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