45 SAINT ANDREWS COURT, PALM COAST, FL, 32137
Active38 days on marketListed Jul 3, 2026MLS #FC319546
About this home
45 SAINT ANDREWS COURT
Welcome to your new home in Grand Haven, one of Palm Coast’s most sought-after gated communities. Over 2500 sq t. of finished living space, thoughtful and functional layout. The spacious kitchen features new granite counters, ample prep and cooking space along with a large pantry. Perfect for entertaining guests or just hanging out with family as this kitchen looks over one of the family rooms with beautiful marble tile and gas fireplace. Marble tile continues throughout the main living areas adding value and a European touch! The primary suite features two walk-in closets and a large bath. There is an Additional bedroom next to primary suite that would be perfect for an office or a guest room. The other 2 bedrooms are conveniently on the other side of the home. The huge fully screened lanai is an entertainer’s dream with an outdoor kitchen, hot tub, sauna, and so much space for lounging. Grand Haven boosts 2 heated pools, 2 fitness centers, tennis, pickleball, and basketball courts. Don’t forget the village café boasting amazing food and drinks. Enjoy walking trails, amazing Live Oak trees that look like a picture, and the privacy plus security of a gated community with a 24 guard. Low HOA and CDD fees, and an opportunity to join Grand Haven Golf Club as a social member or get a full golf membership at this beautiful Jack Nicklaus designed luxury course. Welcome home!!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,514
Sqft
0.22 ac
Lot size
2
Garage
2000
Year built
One
Levels
$222
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.
$4,500 /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
$4,500/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
−25.7%
$/sqft vs Palm Coast actives
$222 vs $223
Days on market
38 vs 49 typical
Where $222/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 Grand Haven
Get to know Palm Coast. See the full Palm Coast 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
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)
196 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 47% 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 45 SAINT ANDREWS COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$590,000
18 PLAYERS CIRCLE · same community
3 bd · 2.5 ba · 2,529 sqft · $233/sqft · 181 DOM
Sold · Jun ’26$715,000
4 AUGUSTA TRAIL · same community
5 bd · 3 ba · 2,594 sqft · $276/sqft · 7 DOM
Sold · May ’26$675,000
23 AUGUSTA TRAIL · same community
3 bd · 3 ba · 2,903 sqft · $233/sqft · 8 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 45 SAINT ANDREWS COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 45 SAINT ANDREWS COURT — 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
45 SAINT ANDREWS COURT FAQs
What would the monthly payment be for 45 SAINT ANDREWS COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,500/mo — principal and interest, the actual property-tax bill, the $15/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 45 SAINT ANDREWS COURT?+
The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 45 SAINT ANDREWS COURT?+
The most recent tax bill on record (2025) was $9,448. 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 45 SAINT ANDREWS COURT?+
The listing reports pets: Cats OK, Dogs OK. 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 $559,000, this home is listed about 40% above the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 45 SAINT ANDREWS COURT?+
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
Three things that matter here
01Positioned at the premium end
$559,000 runs 47% above the PALM COAST 32137 median — but at 2,514 sqft it's also 33% larger than the typical Palm Coast listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of GRAND LIVING REALTY · Chris Gabriel. MLS #FC319546.
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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