20 FERNON DRIVE, PALM COAST, FL, 32137
Active1 days on marketListed Aug 28, 2026MLS #O6437470
About this home
20 FERNON DRIVE
Luxury Smart Home Living in Palm Coast - MUST SEE! The Livorno showcases a thoughtfully designed split-bedroom layout with high-end finishes, spacious gathering areas, and modern smart home technology. Located in desirable Palm Coast, the home is surrounded by natural beauty, including scenic nature trails and gorgeous beaches. A striking stone exterior accent creates impressive curb appeal, while the entry opens to a grand foyer highlighted by tray ceilings, 10-foot ceilings, and a thoughtfully designed open layout. The home also features a formal dining room and versatile flex space that can serve as a home office, media room, or playroom. Luxury vinyl flooring extends throughout the main living areas, with carpet providing comfort in the bedrooms. The spacious great room is filled with natural light and flows to the oversized covered lanai, creating an inviting extension of the interior living space. At the heart of the home, the designer gourmet kitchen features a large island, quartz countertops, soft-close cabinets, stainless steel appliances including a double wall oven and cooktop, wet bar, and a cozy breakfast nook. The primary suite provides a private retreat with tray ceilings, dual walk-in closets, and a deluxe bath appointed with dual sinks, quartz countertops, soft-close cabinetry, and an oversized tiled shower. A private sliding glass door provides additional access to the covered lanai. Bedrooms 2 through 4 are generously sized, with two secondary bedrooms positioned toward the rear of the home and featuring walk-in closets. These bedrooms share a full bath with a tub and shower combination. An additional bedroom at the front of the home provides added privacy and includes a full bath with a walk-in tiled shower, creating flexible space for guests or multigenerational living. Smart home features include a Ring Video Doorbell, Smart Thermostat, Keyless Entry Smart Door Lock, DEAKO Switches, and a network connection panel. Additional highlights include a spacious laundry and mud room, durable architectural shingles, ZIP System sheathing, low-emissivity windows, professional landscaping, a 3-car garage, and the peace of mind of a full builder warranty. Experience the craftsmanship, upscale finishes, thoughtful design, and modern technology of the Livorno. Schedule your private showing today! We can’t wait to welcome you home!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,130
Sqft
0.23 ac
Lot size
3
Garage
2027
Year built
One
Levels
$167
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 — not generic estimates.
$3,526 /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
$3,526/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.
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
−17%
$/sqft vs PALM COAST
$167 vs $211
Days on market
1 vs 48 typical
Where $167/sqft sits among the 13 homes for sale in PALM COAST
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)
3 of 13
PALM COAST have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 39% 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 20 FERNON DRIVE
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$1,095,000
34 COCONUT COURT · same community
3 bd · 4 ba · 3,108 sqft · $352/sqft · 0 DOM
Sold · Oct ’25$363,400
6 LINDEN PLACE · same community
4 bd · 3 ba · 2,973 sqft · $122/sqft · 117 DOM
Sold · Sep ’25$550,000
76 WOODLAWN DRIVE · same community
3 bd · 2 ba · 2,385 sqft · $231/sqft · 42 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 20 FERNON DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20 FERNON DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20 FERNON DRIVE FAQs
What would the monthly payment be for 20 FERNON DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,526/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 20 FERNON DRIVE?+
The most recent tax bill on record (2025) was $726. 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 20 FERNON 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 $522,300, this home is listed about 31% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 20 FERNON DRIVE?+
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
Three things that matter here
01Positioned at the premium end
$522,300 runs 39% above the PALM COAST 32137 median — but at 3,130 sqft it's also 66% larger than the typical Palm Coast listing.
02Fresh on the market
Only 1 day on market in a Palm Coast market that averages 48 — if it fits, move quickly.
03Strong 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 NEW HOME STAR FLORIDA LLC · Bridgette Hoyt. MLS #O6437470.
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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