5 Rivertown Rd, photo 1
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Overview

4 bd2 ba2,197 sqft2 car garageSingle Family
TypeSingle Family
HOA$429/yr
Built2020
Lot6,098 sqft
Living area2,197 sqft
Price / sqft$177
Garage2 car

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Saturday, Oct 17 · 1:00 PM to 3:00 PM

About this home

Ceiling Fans(s)Crown MoldingKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSmart HomeSolid Surface Counters

5 Rivertown Rd is a 2020-built home in Sawmill Crk/Palm Coast Park, Palm Coast. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,197 square feet of living space. Listed at $389,900 (about $177/sqft), 105 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $429 annually.

From the listing

5 Rivertown Rd, Palm Coast, FL — A Former Model Home of Distinction tucked away on a private, tree-lined lot in the sought-after pool community of Sawmill Creek at Palm Coast Park, this beautifully upgraded 4-bedroom, 2-bathroom former model home offers the perfect blend of quality construction, thoughtful design, and everyday comfort. Built with durable concrete block construction and enhanced insulation, this home delivers energy efficiency and peace of mind from the ground up. Inside, soaring high ceilings run throughout, creating an open, airy feel from room to room. The heart of the home is a stunning upgraded kitchen featuring elegant quartz countertops, a California island perfect for gathering, a designer backsplash, and premium upgraded appliances — a space made for both everyday living and entertaining. In-ceiling surround sound speakers set the mood in the main living areas, while custom window coverings throughout add a refined, move-in-ready touch. The primary suite is a true retreat, complete with a spacious walk-in closet and a spa-inspired en suite bath featuring an extensive walk-in shower designed for ultimate relaxation. Three additional bedrooms allow flexibility for family, guests, or a home office. Practical luxury continues with an interior laundry room equipped with washer and dryer included, plus additional storage cabinetry — just one of many thoughtful storage solutions found throughout this exceptionally organized home. A 2-car garage rounds out the package. Set on a private, wooded homesite that offers a sense of seclusion rarely found in a community setting, this home also grants access to the neighborhood pool at Sawmill Creek — all within the desirable Palm Coast Park area. This former model home was finished with builder-grade upgrades throughout, offering a level of detail and craftsmanship that's hard to find on the resale market.

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The essentials

Built
2020
Price / sqft
$177
On market
105 days
Annual tax
$7,048
HOA
$429/yr
Flood zone
X · Low risk
Lot
6,098 sqft
Type
Single Family Residence

At a glance

Single family
Built 2020
Community pool
Shared amenity
2 car garage
6,098 sqft lot
Lot size
2,197 sqft
Living area

Payment

Est. monthly payment
$2,851/mo
Down payment (20%)
$77,980
Property taxes
$587/mo
HOA
$429/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2020
Lot
6,098 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
105
Ceiling Fans(s)
Crown Molding
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Smart Home
Solid Surface Counters
Split Bedroom
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Sidewalk
Pool
Sidewalks
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Elementary
Belle Terre Elementary
Middle
Indian Trails Middle-FC
High
Matanzas High

Districts can re-zone, so verify directly with the district before relying on these.

In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$7,048
Parcel #
21-10-30-5410-00000-0030

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Sawmill Crk/Palm Coast Park
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
6,098 sqft
SidewalkPaved
HOA
$429/yr
Alliance Management

Price history

Date
Event
Price
8/9/2026
Price change
Source: Stellar MLS #FC319622
$389,900-2.3%
$177/sqft
7/1/2026
Listed for sale
Source: Stellar MLS #FC319622
$399,000
$182/sqft

Neighborhood

5 Rivertown Rd
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $389,900
$385,000 – $389,900
98.7% – 100% of listTops out right at the list price
80% of listList price
254 of the last 507 home closings in 32137 landed at this number or higher (50%). The median one sat 49 days before it went under contract, and this one is on day 105 after a $9,100 cut.

Sample: 507 closed home sales in 32137 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,852/mo
Principal & interest$2,033
Property taxes$587
Insurance$195
HOA$36
Down payment20% · $77,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$389,900

$177 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,197 sq ft

Time on market

105 days

Year built

2020

Monthly payment

About $2,851/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,048 annual tax bill, insurance, and the $429/yr HOA fee.

HOA fee

$429/yr

Managed by Alliance Management.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byEXP REALTY LLCListing agent: Julia AlmsteadListing data from Stellar MLS, MLS# FC319622.

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