102 MARSH ELDER SQUARE, PALM COAST, FL, 32137
Active193 days on marketListed Jan 7, 2026MLS #FC315064
About this home
102 MARSH ELDER SQUARE
Welcome to the Conservatory at Hammock Beach where luxury living meets the natural beauty of Florida's coast. The Conservatory is one of Florida's most desirable and sought after gated golf communities offering a rare blend of private golf course living, coastal elegance, and resort-style amenities. Conveniently located between St. Augustine and Ormond Beach you have access to pristine beaches, marinas, boating, fine dining and more. This exclusive enclave is known for its spacious homesites, serene preserve and fairway views. Designed for those who value privacy, luxury, and lifestyle, the Conservatory features lush landscaping, winding streets and a world-class Tom Watson designed golf course, providing a picturesque backdrop for everyday living or a second home retreat. With just 340 homesites, this premier home site offers the perfect canvas to build your dream home among a setting defined by luxury, privacy and natural beauty. Located on a dead end street with a beautiful and lush park across the road this lot offers a peaceful view and location. Membership incentive is offered. Membership enhances the lifestyle but is not required, allowing owners the felixibility to enjoy the Conservatory as a peaceful residential community or a full resort experience. Members at Hammock Beach enjoy Two World Class Golf Courses, tennis and pickleball courts, resort style pools, lavish spa, state of the art fitness center, exceptional dining options, social clubs, private beach and more! Be sure to view this lot today in the Conservatory where you enjoy luxury living whether as a primary residence, second home or legacy property.
Facts & features
The home at a glance
0.31 ac
Lot size
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.
$1,707 /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
$1,707/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.
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 47% below the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 102 MARSH ELDER SQUARE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$800,000
363 HIBISCUS WAY · same community
3 bd · 2.5 ba · 2,251 sqft · $355/sqft · 136 DOM
Sold · Aug ’25$725,000
647 MAHOGANY RUN · same community
4 bd · 2.5 ba · 2,268 sqft · $320/sqft · 113 DOM
Sold · Sep ’25$820,000
628 MAHOGANY RUN · same community
3 bd · 2.5 ba · 2,278 sqft · $360/sqft · 101 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 102 MARSH ELDER SQUARE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 102 MARSH ELDER SQUARE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
102 MARSH ELDER SQUARE FAQs
What would the monthly payment be for 102 MARSH ELDER SQUARE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,707/mo — principal and interest, the actual property-tax bill, the $178/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 102 MARSH ELDER SQUARE?+
The association fee works out to $178 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 102 MARSH ELDER SQUARE?+
The most recent tax bill on record (2025) was $1,318. 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 102 MARSH ELDER SQUARE?+
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 $199,000, this home is listed about 50% below the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 102 MARSH ELDER SQUARE?+
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
Three things that matter here
01Under the PALM COAST 32137 market on paper
$199,000 is 47% below the PALM COAST 32137 median of $377,825.
02Time on market is leverage
193 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
03Strong 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 EXP REALTY LLC · Gina Borges. MLS #FC315064.
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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