11 S RIVERWALK DRIVE, PALM COAST, FL, 32137
Active167 days on marketListed Feb 8, 2026MLS #FC315979
About this home
11 S RIVERWALK DRIVE
Waterfront Luxury in Palm Coast Plantation Experience the best of Florida living in this exceptional river front pool home, perfectly positioned on the Intracoastal Waterway in the gated Palm Coast Plantation community. Designed for both everyday comfort and elevated entertaining, this residence offers stunning water views, premium upgrades, and access to outdoor recreation. Step outside to your private backyard oasis featuring a heated pool and spa, ideal for year-round enjoyment. Boaters will appreciate the covered dock with boat lift, offering direct access to the Intracoastal and beyond. Inside, the home showcases a thoughtful layout with upscale finishes throughout, including a gas range, fireplace, stainless steel appliances, granite countertops, and a whole-home water filtration system. The primary suite is a true retreat, highlighted by a walk-in shower with a built-in bench and a spacious walk-in closet. A versatile bonus room with a second mini kitchen provides endless possibilities — perfect as an additional living area, guest suite, or even a private bedroom setup. A three-car garage ensures ample storage for vehicles, hobbies, and waterfront toys. Palm Coast Plantation offers a resort-style lifestyle surrounded by nature. Residents enjoy the scenic walking trail, sidewalks, and streetlights, along with a beautifully appointed clubhouse, large community pool, two community docks, and recreational amenities including tennis, pickleball, basketball courts, a playground, and RV/boat storage. All of this is secured behind a 24-hour guarded gate, providing peace of mind. Vacant land at 9 S Riverwalk Dr is also available for purchase. Perfect for homeowners who would like to ensure some extra privacy or want a loved one as a neighbor. Come see your dream home!
Facts & features
The home at a glance
3
Bedrooms
4.5
Bathrooms
3,666
Sqft
0.46 ac
Lot size
3
Garage
2006
Year built
Two
Levels
$327
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.
$7,976 /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
$7,976/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.
$/sqft vs Palm Coast actives
$327 vs $221
Days on market
167 vs 47 typical
Where $327/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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
174 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 215% 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 11 S RIVERWALK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$554,100
84 S RIVERWALK DRIVE · same community
5 bd · 4.5 ba · 3,869 sqft · $143/sqft · 247 DOM
Sold · Sep ’25$870,000
28 EMERALD LAKE DRIVE
4 bd · 3.5 ba · 3,630 sqft · $240/sqft · 144 DOM
Sold · Sep ’25$1,050,000
80 HIDDEN COVE
3 bd · 3.5 ba · 3,609 sqft · $291/sqft · 181 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 11 S RIVERWALK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11 S RIVERWALK 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.
Straight answers
11 S RIVERWALK DRIVE FAQs
What would the monthly payment be for 11 S RIVERWALK DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,976/mo — principal and interest, the actual property-tax bill, the $240/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 11 S RIVERWALK DRIVE?+
The association fee works out to $240 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11 S RIVERWALK DRIVE?+
The most recent tax bill on record (2025) was $8,021. 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 11 S RIVERWALK 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 $1,197,000, this home is listed about 203% 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 11 S RIVERWALK DRIVE?+
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
Five things that matter here
01Positioned at the premium end
$1,197,000 runs 215% above the PALM COAST 32137 median — but at 3,666 sqft it's also nearly twice the size of the typical Palm Coast listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
167 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
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.
05The price has already moved
Listed at $1,299,000, now $1,197,000 — a $102K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TRADEMARK REALTY GROUP LLC · Steven Thomas. MLS #FC315979.
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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