$870,000
SOLD SEP 2, 2025

28 Emerald Lake Dr Palm Coast, FL 32137

4 Beds
3.5 Baths
3,630 Sq Ft
0.3 Acres

Recently Sold

$240 Per Sq Ft

12% Below List Price

144 Days on Market

Highlights

  • 60 Feet of Lake Waterfront
  • Dock made with wood
  • Fitness Center
  • Old Kings Elementary School Rated A-
  • Boat Ramp
  • Screened Pool

About This Home

As of September 2025

Welcome to unparalleled luxury living in Palm Coast Plantation! This stunning two-story home offers breathtaking lakefront views that greet you the moment you enter. With 4 spacious bedrooms, 3.5 bathrooms, and over 3,600 square feet of refined living space, this residence exudes elegance and timeless charm.

Upon entering, you'll be impressed by the grandeur of the high ceilings, and obvious quality & attention paid to every detail of the construction and design. Your eyes will be drawn immediately to the magnificent view of Emerald Lake. Host elegant dinners in the formal dining room, unwind in the cozy family room, or relax in the expansive great room. The gourmet kitchen is a chef’s dream, featuring top-of-the-line granite countertops, stainless steel appliances, a gas cooktop, built-in oven, and custom wood cabinetry with a matching hood vent.

Step outside to your own private oasis, where the resort-style backyard awaits. Enjoy sunny days lounging by the sparkling pool and heated spa, or hosting friends and family in the outdoor kitchen. All of this overlooks the pristine, 126-acre, spring-fed, privately owned Emerald Lake.

For boating enthusiasts, this home offers a private boat dock, giving you direct access to the lake’s tranquil waters. Spend your days cruising the lake in a canoe or pontoon boat, or simply relax by the waterfront and take in the serene surroundings.

Upstairs, the master suite is a true sanctuary, offering sweeping lake views and a private balcony perfect for morning coffee. The oversized walk-in closet with built-in shelves ensures ample storage, while the spa-like ensuite bathroom features a large soaking tub, walk-in shower, and dual vanities for ultimate relaxation.

Additional features include soaring ceilings, elegant tile flooring, a gas fireplace, disappearing sliding glass pocket doors, a built-in office nook, and a second en-suite retreat on the first floor. The property is complete with a seawall and a stunning tile roof, adding to the home's curb appeal.

Located in the prestigious Palm Coast Plantation community, this home offers access to resort-style amenities, including a waterfront clubhouse, fitness center, Olympic-sized pool, hot tub, tennis and pickleball courts, walking trails, and more. With a 24-hour guarded gate, the community ensures a lifestyle of privacy and security.

Just 4 miles from Flagler County’s pristine beaches and minutes from shopping, biking trails, and the Intracoastal boat ramp, this home is zoned for the area’s top-rated schools.

Don't miss this rare opportunity to own a piece of paradise in one of Palm Coast's most sought-after neighborhoods. Schedule a private tour today and experience luxury waterfront living at its finest!

Last Agent to Sell the Property

ASHLEY STOVER

FLORIDA HOMES REALTY & MORTGAGE Brokerage Phone: 904-996-9115 License #3501804 Listed on: 02/24/2025

FLORIDA HOMES REALTY & MORTGAGE

Last Buyer's Agent

Stellar Non-Member Agent

Stellar Non-Member Office

Stellar Non-Member Office

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $9,653

Year Built

  • Built in 2004

Lot Details

  • 0.3 Acre Lot
  • Lot Dimensions are 60x158
  • 60 Feet of Lake Waterfront
  • Lake Front
  • Unincorporated Location
  • West Facing Home
  • Mature Landscaping
  • Native Plants
  • Private Lot
  • Well Sprinkler System
  • Landscaped with Trees

HOA Fees

  • $239 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Side Facing Garage
  • Driveway

Home Design

  • Traditional Architecture
  • Mediterranean Architecture
  • Bi-Level Home
  • Slab Foundation
  • Tile Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 3,630 Sq Ft Home
  • Built-In Features
  • Built-In Desk
  • Shelving
  • Tray Ceiling
  • Cathedral Ceiling
  • Ceiling Fan
  • Stone Fireplace
  • Gas Fireplace
  • Drapes & Rods
  • French Doors
  • Sliding Doors
  • Family Room Off Kitchen
  • Living Room with Fireplace
  • Formal Dining Room
  • Lake Views
  • Fire and Smoke Detector

Kitchen

  • Eat-In Kitchen
  • Dinette
  • Built-In Oven
  • Cooktop with Range Hood
  • Recirculated Exhaust Fan
  • Microwave
  • Freezer
  • Dishwasher
  • Stone Countertops
  • Solid Wood Cabinet
  • Disposal

Flooring

  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom Upstairs
  • Split Bedroom Floorplan
  • En-Suite Bathroom
  • Walk-In Closet
  • Jack-and-Jill Bathroom
  • Shower Only
  • Garden Bath

Laundry

  • Laundry Room
  • Dryer
  • Washer

Pool

  • Screened Pool
  • In Ground Pool
  • In Ground Spa
  • Fence Around Pool

Outdoor Features

  • Access To Chain Of Lakes
  • Seawall
  • Boat Ramp
  • Dock made with wood
  • Open Dock
  • Balcony
  • Enclosed Patio or Porch
  • Outdoor Kitchen
  • Private Mailbox

Schools

  • Old Kings Elementary School
  • Indian Trails Middle-Fc School
  • Matanzas High School

Utilities

  • Central Heating and Cooling System
  • Heat Pump System
  • Thermostat
  • Underground Utilities
  • Propane
  • 1 Water Well
  • Gas Water Heater
  • High Speed Internet
  • Phone Available
  • Cable TV Available

Listing and Financial Details

Community Details

Overview

  • Association fees include 24-Hour Guard, pool, management, private road, recreational facilities, security, trash
  • Palm Coast Plantation Home Owners Association, Phone Number (386) 439-0791
  • Built by Granduer Homes
  • Palm Coast Plantation Subdivision
  • On-Site Maintenance
  • Association Owns Recreation Facilities
  • The community has rules related to building or community restrictions, deed restrictions, fencing, allowable golf cart usage in the community

Amenities

  • Clubhouse
  • Community Storage Space

Recreation

  • Tennis Courts
  • Community Basketball Court
  • Pickleball Courts
  • Recreation Facilities
  • Shuffleboard Court
  • Community Playground
  • Fitness Center
  • Community Pool
  • Community Spa
  • Park
  • Trails

Security

  • Security Guard
  • Card or Code Access
  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$9,653

Year Built

Built in 2004

Lot Details

0

HOA Fees

$239 per month

Parking

2

Listing Details

  • HOA Fee Includes: Guard - 24 Hour, Pool, Management, Private Road, Recreational Facilities, Security, Trash
  • Property Type: Residential
  • Property Condition: Completed
  • Property Sub Type: Single Family Residence
  • Architectural Style: Mediterranean, Traditional
  • Construction Materials: Block, Stucco
  • Fireplace: Yes
  • Living Area: 3630
  • Lot Size Acres: 0.3
  • New Construction: No
  • Year Built: 2004
  • Building Area Total: 4908
  • Lot Size Sq Ft: 12917
  • Directions to Property: Head East on E Moody Blvd. Left on Colbert Lane. Right on Palm Coast Plantation Blvd. Left on Emerald Lake Dr. 0.2 miles down on your right.
  • Status: Sold
  • Ownership: Fee Simple
  • Available for Lease YN: 1
  • Escrow City: Flagler Beach
  • Escrow Postal Code: 32136
  • Escrow State: FL
  • Escrow Street Name: S. 6th Street
  • Escrow Street Number: 109
  • List Office Head Office Key Nume: 1041770
  • Minimum Lease: 6 Months
  • RATIO Current Price By Calculate: 239.67
  • Total Acreage: 1/4 to less than 1/2
  • Unit Number YN: 0
  • Water Access YN: 1
  • Planned Unit Development Yn: 1
  • AG Exemption YN: 0
  • MFR_InLawSuiteYN: 0
  • MFR_DockDescription: Dock - Open,Dock - Wood
  • MFR_DockYN: 1
  • MFR_CommunityAssociationWaterFeatures: Community Boat Ramp,Dock,Fishing,Intracoastal Waterway,Lake,River,Water Access,Waterfront
  • Attribution Contact: 904-996-9115
  • Tax Year: 2024
  • Special Features: VirtualTour

Interior Features

  • Fireplace Features: Stone, Gas, Living Room
  • Living Area Units: Square Feet
  • Flooring: Tile, Carpet
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Interior Amenities: Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, PrimaryBedroom Upstairs, Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat, Tray Ceiling(s), Walk-In Closet(s), Window Treatments, Built-in Features, Cathedral Ceiling(s), Ceiling Fans(s)
  • Appliances Included: Freezer, Gas Water Heater, Microwave, Range Hood, Built-In Oven, Refrigerator, Washer, Cooktop, Dishwasher, Disposal, Dryer, Exhaust Fan
  • Foundation Details: Slab
  • Total Bedrooms: 4
  • Levels: Two
  • Other Equipment: Irrigation Equipment
  • Spa Features: In Ground
  • Spa Yn: Yes
  • Window Features: Rods, Window Treatments, Drapes
  • Street Number Modifier: 28
  • Additional Rooms: Family Room,Formal Dining Room Separate,Formal Living Room Separate
  • Living Area Meters: 337.24
  • Room Count: 13

Exterior Features

  • Direction Faces: West
  • Other Structures: Outdoor Kitchen
  • Pool Features: In Ground, Screen Enclosure
  • Exterior Features: Balcony, French Doors, Outdoor Kitchen, Private Mailbox, Sidewalk, Sliding Doors
  • Roof: Tile
  • Pool Private: Yes
  • View: Water
  • Water Body Name: EMERALD LAKE
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Enclosed, Front Porch, Patio, Porch, Rear Porch, Screened
  • Road Surface Type: Asphalt, Paved
  • Water Access: Lake - Chain of Lakes
  • Water Extras: Seawall - Concrete,Boat Ramp - Private
  • Water Extras YN: 1
  • Water View: Lake
  • Water View YN: 1
  • Waterfront Feet Total: 60
  • Water Frontage Feet Lake: 60
  • Additional Water Information: Privately owned, 126 acre lake. No gas powered motors. Community boat ramp and a private wood boat dock. Bulk Head and Seawall

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes
  • Parking Features: Driveway, Garage Faces Side

Utilities

  • Utilities: BB/HS Internet Available, Phone Available, Propane, Sewer Connected, Sprinkler Well, Underground Utilities, Water Connected, Cable Connected, Electricity Connected
  • Cooling: Central Air, Other
  • Heating: Other, Central, Electric, Heat Pump
  • Laundry Features: Laundry Room, Inside
  • Sewer: Public Sewer
  • Water Source: Public, Well
  • Number of Wells: 1

Condo/Co-op/Association

  • Community Features: Association Recreation - Owned, Clubhouse, Deed Restrictions, Fitness Center, Gated Community - Guard, Golf Carts OK, Park, Playground, Pool, Sidewalks, Special Community Restrictions, Tennis Court(s), Street Lights
  • Association Amenities: Basketball Court, Clubhouse, Fence Restrictions, Fitness Center, Gated, Lobby Key Required, Maintenance, Park, Pickleball Court(s), Playground, Pool, Recreation Facilities, Security, Shuffleboard Court, Spa/Hot Tub, Storage, Tennis Court(s), Trail(s)
  • Association Fee: 718
  • Association Fee Frequency: Quarterly
  • Association Name: Palm Coast Plantation Home Owners Association
  • Phone: 386-439-0791
  • Association: Yes
  • Security: Smoke Detector(s), Gated Community
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Complex Community Name Nccb: PALM COAST PLANTATION
  • Association Fee Requirement: Required
  • Association Email: pcphoa@nabrnetwork
  • Development: Palm Coast Plantation

Fee Information

  • Total Annual Fees: 2872.00
  • Total Monthly Fees: 239.33
  • Monthly HOA Amount: 239.33

Schools

  • Elementary School: Old Kings Elementary
  • High School: Matanzas High
  • Middle Or Junior School: Indian Trails Middle-FC

Lot Info

  • Zoning: SFR
  • Parcel Number: 27-11-31-4891-00020-1380
  • Additional Parcels: No
  • Lot Features: Landscaped, Sidewalk, Paved, Private, Unincorporated
  • Lot Dimensions: 60x158
  • Property Attached Yn: No
  • Flood Zone Code: X and AE
  • Homestead YN: 0
  • Lot Size Square Meters: 1200
  • Zoning Compatible YN: 1

Green Features

  • Green Landscaping: Fl. Friendly/Native Landscape

Building Info

  • Builder Name: Granduer Homes

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Yes
  • Lease Restrictions YN: 0

Tax Info

  • Tax Annual Amount: 9652.9
  • Tax Block: 73019
  • Tax Book Number: 32/56-64
  • Tax Lot: 138

Multi Family

  • Waterfront Features: Lake Front

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Feb 24, 2025
Closed on
Sep 2, 2025
Sold by
Bridges Family Trust and Jane Bridges A
Bought by
Slay Marvin H and Slay Mary T
Seller's Agent
ASHLEY STOVER
FLORIDA HOMES REALTY & MORTGAGE
Buyer's Agent
Stellar Non-Member Agent
Stellar Non-Member Office
List Price
$985,000
Sold Price
$870,000
Premium/Discount to List
-$115,000
-11.68%
Views
173

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
82.45%
Original Mortgage
$450,000
Outstanding Balance
$450,000
Interest Rate
6.75%
Mortgage Type
Construction
Estimated Equity
$441,180

Purchase Details

Closed on
Nov 12, 2008
Sold by
Bridges Thomas Steven and Bridges Anna Jane Brock
Bought by
Bridges Thomas S and Jane Bridges A

Purchase Details

Closed on
Feb 26, 2007
Sold by
Bridges Thomas S and Jane Bridges A
Bought by
Bridges Thomas Steven and Bridges Anna Jane Brock

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$100,000
Interest Rate
6.3%
Mortgage Type
Credit Line Revolving

Purchase Details

Closed on
Jan 11, 2007
Sold by
Bridges Thomas Steven and Bridges Anna Jane Brock
Bought by
Bridges Thomas Steven and Bridges Anna Jane Brock

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$100,000
Interest Rate
6.3%
Mortgage Type
Credit Line Revolving

Purchase Details

Closed on
Feb 7, 2005
Sold by
Bridges Thomas S and Jane Bridges A
Bought by
Bridges Thomas S and Jane Bridges A

Purchase Details

Closed on
Aug 5, 2004
Sold by
Grandeur Homes Inc
Bought by
Bridges Thomas and Jane Bridges A

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$518,000
Interest Rate
5.75%
Mortgage Type
Unknown

Purchase Details

Closed on
Mar 18, 2003
Sold by
Fl Waterway Prop Ii L L C
Bought by
Grandeur Homes Inc
Source: Public Records

Range of Values:

Collateral Analytics

Collateral Analytics Collateral Analytics AVMs (Automated Valuation Model) employ a number of statistical approaches combined with neighborhood-specific comparable selection guarantees the most up-to-date and precise valuations.

Not Available

Collateral Analytics does not have data for the current month. Please view the chart for historical values.

ICE

ICE Mortgage Technology ICE Mortgage Technology’s AVM (Automated Valuation Model) is a state-of-the-art online residential property valuation tool that provides a quick and accurate estimate of the value of almost any home in the U.S.

Not Available

ICE Mortgage Technology does not have data for the current month. Please view the chart for historical values.

First American

First American First American Data & Analytics’ next-generation AVM combines unrivaled data assets with a blended ensemble of valuation models to produce highly accurate, reliable valuations you can trust.

Not Available

First American does not have data for the current month. Please view the chart for historical values.

Quantarium

Quantarium Quantarium’s valuation service, repeatedly proven the industry’s most accurate and comprehensive, is supercharged with a self-learning and auto-tuning AI engine that continually becomes smarter and more accurate as it processes daily inputs from the industry’s leading RE data lake.

Not Available

Quantarium does not have data for the current month. Please view the chart for historical values.

Average Value
Not Available
List Price
Sold Price
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area

Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $870,000 None Listed On Document
Interfamily Deed Transfer -- None Available
Interfamily Deed Transfer -- Alliance Title Company
Interfamily Deed Transfer -- Attorney
Interfamily Deed Transfer -- Attorney
Interfamily Deed Transfer -- --
Corporate Deed $768,000 --
Warranty Deed $141,900 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $450,000 Construction
Previous Owner $100,000 Credit Line Revolving
Previous Owner $528,000 New Conventional
Previous Owner $518,000 Unknown
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
09/02/2025 09/02/25 Sold $870,000 -3.3% $240 / Sq Ft
07/18/2025 07/18/25 Pending -- -- --
05/08/2025 05/08/25 Price Changed $899,900 -5.2% $248 / Sq Ft
04/04/2025 04/04/25 Price Changed $949,000 -3.7% $261 / Sq Ft
02/24/2025 02/24/25 For Sale $985,000 0.0% $271 / Sq Ft
10/23/2022 10/23/22 Off Market $2,200 -- --
03/16/2013 03/16/13 Rented $2,200 -4.3% --
02/14/2013 02/14/13 Under Contract -- -- --
12/24/2008 12/24/08 For Rent $2,300 -- --
Source: Stellar MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $10,058 $740,272 $133,000 $607,272
2023 $10,058 $640,770 $0 $0
2022 $9,349 $699,612 $111,500 $588,112
2021 $8,124 $532,643 $67,500 $465,143
2020 $7,500 $481,420 $56,000 $425,420
2019 $7,890 $499,942 $56,000 $443,942
2018 $7,792 $481,914 $60,000 $421,914
2017 $7,320 $447,673 $60,000 $387,673
2016 $7,142 $428,785 $0 $0
2015 -- $396,440 $0 $0
2014 -- $382,654 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Section Image
  • Section Image
See All Agents

Map

Source: Stellar MLS

MLS Number: FC307570

Stellar MLS

APN: 27-11-31-4891-00020-1380