61 RAINTREE CIRCLE, Palm Coast, FL, 32164 | $345,000

Welcome to Rivergate Gated Community in Palm Coast! This home has it all. Gorgeous lakefront views, a huge under-air sunroom, flexible den-to-third-bedroom option, vaulted ceilings, plantation shutters, hurricane shutters, rain gutters, and a low $224 monthly HOA that includes the community pool and complete lawn and landscaping care — 61 Raintree Circle delivers the easy Florida lifestyle buyers are looking for. Even better, the important details have already been handled, making this a true move-in ready home where buyers can settle in and start enjoying it from day one.

The lakefront setting is what makes this home special. From the outdoor sun patio, you can sit with your morning coffee, listen to the waterfall, and take in the peaceful water views. In the evening, it becomes the kind of place where you can unwind, breathe, and enjoy the quiet side of Palm Coast living.

Inside, the home feels open, bright, and easy to live in. Vaulted ceilings bring in a sense of space, while the huge under-air sunroom adds the kind of lifestyle space buyers immediately notice. Imagine starting your day there with coffee and lake views, enjoying it as a quiet reading room, setting it up as a second living area, creating a peaceful hobby space, or using it as a beautiful place to gather when family and friends visit. Because it is under air, this room gives you comfortable year-round living space and makes the home feel much larger and more flexible.

The 2-bedroom, 2-bath layout also includes a dedicated den that can easily become a third bedroom if desired. That flexibility matters, whether you need guest space, a private office, or a room that can change with your lifestyle.

The kitchen is built for the savvy home chef, with abundant cabinetry, generous countertop space, a double oven, warming oven, slow-close cabinets, slider drawers, and plenty of functional storage. Whether you love to cook, entertain, meal prep, or simply appreciate an organized kitchen, this space gives you the room and convenience to do it well.

This home has been thoughtfully cared for, with the practical features buyers want already in place. Plantation shutters throughout the home add a clean, finished look, while inside laundry, hurricane shutters, rain gutters, and a ranch/traditional design add comfort, function, and peace of mind. There is literally nothing to do here but move in and enjoy the lifestyle.

The low HOA includes the community pool and complete lawn and landscaping care, including lawn maintenance, pesticides, herbicides, pruning of original plantings, and sprinkler head replacement. That means the exterior stays cared for, and you get more time to enjoy the water views, the pool, and the relaxed Florida lifestyle.

61 Raintree Circle is a peaceful lakefront retreat with flexible living space, valuable features, low-maintenance living, and the kind of move-in-ready condition Zillow buyers are looking for in Palm Coast.

Features

  • Amenities: Clubhouse, Gated, Handicap Modified, Pool
  • Rooms: 11
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Laundry Room
  • Style: Ranch, Traditional
  • Year Built: 2010
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,798
  • Acreage: 0.13
  • Est. Taxes: $3,373
  • HOA Fee: $224 Monthly
  • View: Water
  • Water Front: Yes
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Disposal, Microwave, Range
  • MLS#: FC318946
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/FC318946/61raintreecircle_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 6/19/2026 2:21:17 AM)
Listing courtesy of LPT REALTY LLC (DB)   Phone: 877-366-2213

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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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61 RAINTREE CIRCLE, Palm Coast, FL, 32164

$345,000

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 $276,000 $276,000 $276,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.603% 5.952%
Monthly Tax Payment $281 $281 $281
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,653 $1,743 $2,292
Total Monthly Payment $2,009 $2,099 $2,648

* 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.