35 RIDGE ROAD, PALM COAST, FL, 32137
Active19 days on marketListed Sep 23, 2026MLS #S5158187
About this home
35 RIDGE ROAD
Welcome to 35 Ridge Road in the sought-after Sawmill Creek community of Palm Coast! This beautifully maintained 2021 Maronda-built Memphis plan offers 3 bedrooms, 2 bathrooms, and a thoughtfully designed open-concept layout with quality finishes and numerous upgrades throughout. From the moment you arrive, the home makes a great impression with its attractive stone fascia, extended paver driveway, sidewalk, and inviting curb appeal. Inside, abundant natural light highlights the spacious living areas, custom lighting, LVP flooring throughout the main living areas, carpeting in the bedrooms, 6-inch baseboards, and crown molding. The kitchen is designed for both everyday living and entertaining, featuring granite countertops, soft-close cabinetry with convenient pull-out shelving, lowered upper cabinets for easier access, stainless steel appliances, a large island with ample storage, and a custom glass-tile backsplash. The living room includes a convenient floor outlet for a clean, streamlined setup. Additional features include gutters, a screened-in lanai for enjoying the Florida outdoors, and an epoxy-protected garage floor. The finished laundry room includes a network box with wired internet throughout the home, adding convenience for today's connected lifestyle. Sawmill Creek offers desirable community amenities including a community pool, sidewalks, well-lit streets, and underground utilities. With its modern design, thoughtful upgrades, and convenient Palm Coast location, 35 Ridge Road is ready to welcome its next owner. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,602
Sqft
0.17 ac
Lot size
2
Garage
2021
Year built
One
Levels
$203
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.
$2,722 /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
$2,722/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
+18.2%
$/sqft vs SAWMILL CRK/PALM COAST PARK
$203 vs $177
Days on market
19 vs 72 typical
Where $203/sqft sits among the 6 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 6
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 35 RIDGE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$273,250
75 RIVERTOWN ROAD · same community
3 bd · 2 ba · 1,557 sqft · $175/sqft · 49 DOM
Sold · Nov ’25$258,000
89 RIVERTOWN ROAD · same community
4 bd · 2 ba · 1,698 sqft · $152/sqft · 338 DOM
Sold · Apr ’26$265,000
100 RIVERTOWN ROAD · same community
4 bd · 2 ba · 1,711 sqft · $155/sqft · 41 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 35 RIDGE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 35 RIDGE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
35 RIDGE ROAD FAQs
What would the monthly payment be for 35 RIDGE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,722/mo — principal and interest, the actual property-tax bill, the $33/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 35 RIDGE ROAD?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 35 RIDGE ROAD?+
The most recent tax bill on record (2025) was $5,661. 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 35 RIDGE ROAD?+
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 $325,000, this home is listed about 17% 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 35 RIDGE ROAD?+
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 KELLER WILLIAMS LEGACY REALTY · Rafael Ortiz Pena. MLS #S5158187.
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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