7 RIVER OAKS WAY, Palm Coast, FL, 32137 | $648,900

Ideally positioned between the Intracoastal Waterway and the Atlantic Ocean, 7 River Oaks Way offers a balance of privacy, quality construction, and coastal convenience in one of Palm Coast’s most desirable settings. Located just off scenic A1A within the quiet River Oaks community, this concrete block home provides a peaceful residential feel while remaining close to beaches, nature trails, and everyday amenities.

Spanning just over 2, 000 square feet, the home features 3 bedrooms and 2. 5 bathrooms with a layout designed for both comfort and flexibility. The main level includes a bright and open living area and a well-proportioned dining space. Granite countertops, ample cabinetry, and a breakfast nook create a functional kitchen well-suited for daily living or entertaining. French doors lead to a paver patio and fire pit, offering a private outdoor space surrounded by mature trees—ideal for relaxing evenings or hosting guests.

Upstairs, the spacious primary suite is thoughtfully separated from the secondary bedrooms and features tray ceilings, a large walk-in closet, dual vanities, a soaking tub, and a walk-in tiled shower. Two additional bedrooms, each with walk-in closets, share a Jack-and-Jill bath, making the space equally suitable for guests, home offices, or flexible-use rooms. An upstairs laundry room adds everyday convenience.

A short walk from the home, the community’s private dock on the Intracoastal Waterway provides a tranquil setting for sunset views, wildlife watching, and time spent outdoors—without the maintenance of direct waterfront ownership. With HOA dues of only $50 per month, this home delivers exceptional value in the Hammock.

Well-built, well-located, and easy to live in, 7 River Oaks Way offers a coastal lifestyle that works for a wide range of buyers—whether full-time, seasonal, or somewhere in between.

Features

  • Amenities: Gated
  • Rooms: 8
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Room
  • Year Built: 2006
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 2,065
  • Acreage: 0.3
  • Est. Taxes: $2,995
  • HOA Fee: $50 Monthly
  • View: Trees/Woods
  • Elem. School: Imagine Schools Town Center (K-8)
  • Middle School: Indian Trails Middle-FC
  • High School: Matanzas High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: FC310799
  • Days on Market: 264 days
  • Website: https://www.raveis.com
    /prop/FC310799/7riveroaksway_palmcoast_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/31/2026 2:17:19 PM)
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR   Phone: 888-977-1588

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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7 RIVER OAKS WAY, Palm Coast, FL, 32137

$648,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $519,120 $519,120 $519,120
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.395% 6.557% 5.990%
Monthly Tax Payment $250 $250 $250
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,112 $3,239 $4,276
Total Monthly Payment $3,454 $3,581 $4,618

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.