Steeve Cadeau
Short-Term Rental Eligible
$849,000$949,9004 bd3 ba2,633 sqft$322 /sqft$5,702 /mo all-in ↓

23 CREEKSIDE DRIVE, PALM COAST, FL, 32137

Active386 days on marketListed Jul 12, 2025MLS #FC311160

Reduced $101KWaterfrontPrivate poolSingle Family ResidenceCREEKSIDE VLG/GRAND HAVEN

About this home

23 CREEKSIDE DRIVE

You'll be amazed by the beautifully landscaped front garden, impressed by the thoughtfully designed interior layout and features, and absolutely captivated by the serene backyard lake view! ICI Grand Stratford model in fabulous Creekside Village at Grand Haven offers 4 Bedroom, 3 Bathroom, 3 car garage, and 2633 Sqft living space complete with an oversized L-shaped POOL. This gem showcases 12’ceiling in the main living areas and 10’ in the bedrooms. Recent upgrades include a NEW ROOF and interior A/C unit in 2024. Meticulously tended, the property features a split floor plan and includes a formal dining room, family room, and breakfast nook for added privacy. The spacious living room features abundant windows and extra-wide sliding glass doors that flood the space with natural light. The primary suite includes a garden tub, oversized walk-in shower, dual vanities, and a large walk-in closet. Both guest bathrooms are equipped with a walk-in tub and shower combination. The elegant kitchen offers sitting area, 42” cabinets, porcelain tile backsplash, and granite countertop. Throughout the home, you’ll find luxury Tiffany-style light fixtures. Enjoy cozy winter evenings by the beautiful gas fireplace. Additionally, the home is equipped with a water softening system, which is beneficial for your health. Generously sized laundry room offers plenty of shelving and a utility sink. The oversized 3-car garage provides ample space not only for vehicles but also for extra storage, a workshop area, or hobby space—perfect for those who need flexibility and functionality. The pool patio overlooks the oversized, lush green backyard and the tranquil lake view. To enjoy the Florida lifestyle to the fullest, take advantage of the exceptional recreational activities this community offers: clubhouse, 2 public pools, 2 restaurants, fitness center, tennis courts, and countless walking trails with street lighting. If you've ever dreamed of living in paradise—this is your place!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,633

Sqft

0.37 ac

Lot size

3

Garage

2007

Year built

One

Levels

$322

Per sqft

Private poolWaterfrontPool & Trees/Woods & Water viewPets allowed

Inside

FlooringCarpet · Tile
AppliancesWater Softener · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator · Washer
InteriorSolid Wood Cabinets · Tray Ceiling(s) · Window Treatments · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Primary Bedroom Main Floor · Skylight(s) · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric · Exhaust Fan · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Trees/Woods · Water
FacesEast
ParkingDriveway · Garage Door Opener · Oversized
ExteriorGarden · Irrigation System · Lighting · Sidewalk · Sliding Doors

Community & fees

HOA fee$14/mo
Taxes (2024)$7,541/yr
PetsYes
CommunityFishing · Intracoastal Waterway · River · Water Access · Waterfront · Clubhouse · Deed Restrictions · Dog Park · Fitness Center · Gated Community - Guard · Golf · Handicap Modified · Irrigation-Reclaimed Water · Park · Playground · Pool · Restaurant · Sidewalks · Tennis Court(s) · Wheelchair Access

Utilities & systems

UtilitiesElectricity Connected · Public · Sewer Connected · Sprinkler Well · Street Lights · Water Connected
WaterPublic

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.

$5,702 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,581
PMI (est., until 20% equity)$318
Property tax — 2024 actual bill$628
HOA fee — from the listing$14
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $84,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $84,900
Interest rate6.00%
Loan term

Estimated payment

$5,702/mo

Principal & interest$4,581
PMI (est., until 20% equity)$318
Property taxes (actual bill)$628
HOA / condo fee$14
Est. insurance$160

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.

List $849K
$612KedgeAI estimate $728,815 · range $638K$869K$904K

vs edgeAI estimate

+16.5%

$/sqft vs Palm Coast actives

$322 vs $218

Days on market

386 vs 47 typical

Where $322/sqft sits among the 400 Palm Coast actives

224
72
35 · this home
29
15
25
$160–229$229–297$297–366$366–435$435–503$503+

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.

The investor lens

Two ways this home pays

This home sits inside Creekside, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.

Short-term rental

Zoned & eligible

Nightly rentalsAllowed
CommunityCreekside
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$1,995/mo median

MarketPalm Coast
Annual gross at median$23,940
Gross yield on this price2.8%
Homes for rent right now230

Live Palm Coast rental listing data — this home’s rate depends on size, condition and furnishing.

The Kissimmee short-term market

▼ Softening

50%

Occupancy

▼ 32% yr/yr

$296

Avg nightly rate

▲ 15% yr/yr

$35K/yr

Revenue per listing

$148

RevPAR

63 days

Booking lead time

5.5 nights

Avg stay

3

Typical min nights

10,047

Active rentals

▲ 12% supply

Seasonality — monthly occupancy

Peaks at 58% in Feb · bottoms at 38% in Jun

50%
58%
58%
56%
46%
38%
56%
49%
43%
47%
48%
50%
JanFebMarAprMayJunJulAugSepOctNovDec

Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Kissimmee — the projection above is specific to this home’s size.

Where it sits

Inside Grand Haven

Map of 23 CREEKSIDE DRIVE inside its neighborhood boundary

Creekside is a short-term-rental community. See the full guide →

Grand Haven — neighborhood snapshot

Population

3,308

Median age

65

Median income

$88,771

Median home value

$468,511

Avg household

2

Households w/ children

182

For the school run

Flagler County School District

ElementaryOld Kings Elementary School★★★★
MiddleIndian Trails Middle School★★★★★
HighMatanzas High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketBalanced5.8 months of inventoryBuyer’s market

$353K$373K

Palm Coast median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

168 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 123% above the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

CurrentPrice reduced to $849,000 $101K
Jul 12, 2025Listed at $949,900 · 386 days on market since
2007Built · CREEKSIDE VLG/GRAND HAVEN

Reality check

What actually sold near 23 CREEKSIDE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

17 SWEETWATER COURTSold · Aug ’25

$637,000

17 SWEETWATER COURT · same community

3 bd · 3 ba · 2,083 sqft · $306/sqft · 77 DOM

4 AUGUSTA TRAILSold · Jun ’26

$715,000

4 AUGUSTA TRAIL

5 bd · 3 ba · 2,594 sqft · $276/sqft · 7 DOM

215 WILLOW OAK WAYSold · Mar ’26

$975,000

215 WILLOW OAK WAY

3 bd · 2.5 ba · 2,584 sqft · $377/sqft · 83 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 23 CREEKSIDE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 23 CREEKSIDE DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Steeve's phone and CRM.

Goes straight to Steeve’s phone and CRM.

Straight answers

23 CREEKSIDE DRIVE FAQs

What would the monthly payment be for 23 CREEKSIDE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,702/mo — principal and interest, the actual property-tax bill, the $14/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 23 CREEKSIDE DRIVE?+

The association fee works out to $14 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 23 CREEKSIDE DRIVE?+

The most recent tax bill on record (2024) was $7,541. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 23 CREEKSIDE DRIVE be rented short-term?+

Yes — this home sits inside Creekside, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.

Are pets allowed at 23 CREEKSIDE 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 $849,000, this home is listed about 115% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.

Which schools are assigned to 23 CREEKSIDE DRIVE?+

Old Kings Elementary School (elementary), Indian Trails Middle School (middle), Matanzas High School (high) — Flagler County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$849,000 runs 123% above the PALM COAST 32137 median — but at 2,633 sqft it's also 40% larger than the typical Palm Coast listing.

02Zoned for nightly rentals

Creekside is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.

03Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

04Time on market is leverage

386 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.

05Strong assigned schools

Old Kings Elementary School, Indian Trails Middle School, Matanzas High School — Old Kings Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of FLORIDA DREAMS PROPERTIES INC · Alexander Medvedovsky. MLS #FC311160.

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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