12 MAHOE DRIVE N, PALM COAST, FL, 32137
Active2 days on marketListed Aug 3, 2026MLS #FC320385
About this home
12 MAHOE DRIVE N
Virtually Staged. *****Photos coming soon******* Rare Opportunity to Own a Newer Coastal Home with Deeded Beach Access and No HOA! Welcome to 12 Mahoe Drive North, an exceptional 3-bedroom, 2-bath coastal retreat built in 2019 and ideally located just a short walk from the Atlantic Ocean in the highly desirable Armand Beach East community. Offering approximately 1,570 square feet of heated and cooled living space, this beautifully maintained home combines modern construction, low-maintenance living, and an unbeatable beach lifestyle. Constructed of concrete block with a stucco exterior, this home features a durable metal roof, impact-resistant windows, and approximately 8.5 feet of elevation, providing peace of mind in a coastal setting. Inside, you'll find an open and inviting floor plan with smooth tile flooring throughout the main living areas for easy maintenance. The kitchen is beautifully appointed with granite countertops, modern cabinetry, and quality finishes, while both bathrooms also feature granite countertops and contemporary design. The spacious primary suite offers walk-in closets, and the generous laundry room provides excellent storage and functionality. One of the home's most distinctive features is the screened rear patio, finished with approximately 400 square feet of premium Acacia hardwood flooring, creating a warm and inviting outdoor living space that is perfect for relaxing or entertaining year-round. The oversized backyard is fully enclosed with a vinyl privacy fence and backs directly to a protected Audubon conservation lot, ensuring no future development immediately behind the property while providing added privacy, natural beauty, and a peaceful setting rarely found along the coast. Additional features include a two-car garage with an epoxy-coated floor and a generator hookup for a portable generator. Perhaps best of all, there is no HOA, and owners enjoy deeded private beach access just moments away. This property also offers the flexibility of legal daily short-term rentals, making it an excellent primary residence, vacation home, or income-producing investment property. If you've been searching for a newer beachside home that offers modern construction, investment potential, privacy, and the Florida coastal lifestyle, 12 Mahoe Drive North is a rare opportunity that deserves your attention.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,570
Sqft
0.23 ac
Lot size
2
Garage
2019
Year built
One
Levels
$464
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.
$4,891 /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
$4,891/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.
vs edgeAI estimate
+40.7%
$/sqft vs Palm Coast actives
$464 vs $222
Days on market
2 vs 52 typical
Where $464/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
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
182 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 90% 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 12 MAHOE DRIVE N
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$520,000
14 DOGWOOD TERRACE · same community
3 bd · 2 ba · 1,834 sqft · $284/sqft · 31 DOM
Sold · Jul ’26$222,000
8 SWEETBAY DRIVE · same community
3 bd · 2 ba · 1,950 sqft · $114/sqft · 113 DOM
Sold · Sep ’25$751,340
22 MAHOE DRIVE N · same community
3 bd · 2.5 ba · 2,566 sqft · $293/sqft · 108 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
Gavin Hatcher
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12 MAHOE DRIVE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 MAHOE DRIVE N — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Gavin's phone and CRM.
Straight answers
12 MAHOE DRIVE N FAQs
What would the monthly payment be for 12 MAHOE DRIVE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,891/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 12 MAHOE DRIVE N?+
The most recent tax bill on record (2025) was $6,286. 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 12 MAHOE DRIVE N?+
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 $729,000, this home is listed about 82% 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 12 MAHOE DRIVE N?+
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
Four things that matter here
01Positioned at the premium end
$729,000 runs 90% above the PALM COAST 32137 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 2 days on market in a Palm Coast market that averages 52 — if it fits, move quickly.
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.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Heidi Epperson. MLS #FC320385.
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.
Never miss a listing
New Palm Coast homes, in your inbox
Like 12 MAHOE DRIVE N but not quite? A daily digest of every new listing in Palm Coast — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Gavin to ping you on any price or status change →