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Overview

3 bd2 ba2,041 sqft2 car garageSingle Family
TypeSingle Family
HOA$224/mo
Built2008
Lot7,231 sqft
Living area2,041 sqft
Price / sqft$176
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Kitchen/Family Room ComboL DiningOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersThermostat

3 Rivergate Ln is a 2008-built home in Rivergate Ph 02, Palm Coast. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,041 square feet of living space. Listed at $359,900 (about $176/sqft), 32 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $224 monthly.

From the listing

Looking for low-maintenance living without giving up space? This 2,041 sq ft home in gated RiverGate offers one of the larger floorplans in the community, peaceful water views, HOA-maintained lawn care, and access to the neighborhood pool. Filled with natural light, the home features tile throughout, cedar-lined closets, custom glass doors, skylights, and an open kitchen with bar-top seating. The air-conditioned Florida room provides additional year-round living space, while the owner’s suite includes a separate sitting area for added flexibility. Tucked on a cul-de-sac and centrally located near shopping, dining, and everyday conveniences, this home offers the comfort of a single-family residence with less exterior upkeep. Be sure to review the attached Features List in MLS for additional upgrades and details.

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The essentials

Built
2008
Price / sqft
$176
On market
32 days
Annual tax
$1,244
HOA
$224/mo
Flood zone
X · Low risk
Lot
7,231 sqft
Type
Single Family Residence

At a glance

Single family
Built 2008
Waterfront
Pond
Community pool
Shared amenity
2 car garage
Driveway
7,231 sqft lot
Lot size

Payment

Est. monthly payment
$2,385/mo
Down payment (20%)
$71,980
Property taxes
$104/mo
HOA
$224/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2008
Lot
7,231 sqft
Cooling
Central Air
Heating
Electric, Heat Pump
Parking
Driveway, Garage Door Opener
Waterfront
Pond
Days on Market
32
Cathedral Ceiling(s)
Ceiling Fans(s)
Kitchen/Family Room Combo
L Dining
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Rain Gutters
Gated Community - No Guard
Pool
Dishwasher
Range
Range Hood
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$1,244
Parcel #
07-11-31-5320-00000-0580

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
Rivergate Ph 02
County
Flagler
MLS Area
32164 - Palm Coast
Lot Size
7,231 sqft
Cul-De-Sac
HOA
$224/mo
Vespa

Price history

Date
Event
Price
10/2/2026
Price change
Source: Stellar MLS #FC321494
$359,900-2.7%
$176/sqft
9/15/2026
Listed for sale
Source: Stellar MLS #FC321494
$369,900
$181/sqft

Neighborhood

3 Rivergate Ln
Palm Coast, FL, 32164 · 32164 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $359,900
$357,500 – $359,900
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 597 home closings in 32164 landed at this number or higher (51%). The median one sat 48 days before it went under contract, and this one is on day 32 after a $10,000 cut.

Sample: 597 closed home sales in 32164 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,385/mo
Principal & interest$1,877
Property taxes$104
Insurance$180
HOA$224
Down payment20% · $71,980
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

$359,900

$176 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,041 sq ft

Time on market

32 days

Year built

2008

Monthly payment

About $2,385/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,244 annual tax bill, insurance, and the $224/mo HOA fee.

HOA fee

$224/mo

Managed by Vespa.

Flood zone

Zone X

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

Offer

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Brokered byREALTY EXCHANGE, LLCListing agent: Suzanne BrubakerListing data from Stellar MLS, MLS# FC321494.

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