Single Family Residence at 3 BAY DR, PALM COAST
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$589,000

3 BAY DR
PALM COAST, FL 32137
Listed by Morgan Coleman · CROSS KEYS REALTY, INC.
Bedrooms
4
Bathrooms
3
Living area
1,468 sqft
Year built
1989

About this home

Just steps from the beach, this charming Palm Coast home offers the ultimate coastal lifestyle. Located on a quiet street with convenient public beach access, parking, and a clubhouse featuring bathrooms and showers, it’s perfect for daily ocean adventures. Whether you prefer walking, biking, or cruising in a golf cart, getting to the beach has never been easier in this ideal location. The main house features three spacious bedrooms, granite countertops, and durable vinyl plank flooring throughout. Enjoy peaceful mornings on the open front porch, or take a relaxing stroll or bike ride through the scenic neighborhood and along the coastline. In the backyard, a separate guest house offers a private retreat with its own bedroom, living room, kitchenette, full bathroom with shower, and a mini-split AC unit—ideal for visiting guests or as a rental opportunity. The beautifully landscaped yard includes a pull-through gravel driveway, outdoor lighting, a private outdoor shower with a bench for rinsing off after the beach, and a stone and paver seating area with a covered grill—perfect for outdoor dining and entertaining. Whether you're looking for a beachside retreat or an income-producing property, this coastal gem has it all.

Property details

MLS
Stellar MLS
MLS #
MFRGC533994
Property type
Single Family Residence
Subdivision
MARINELAND ACRES 2ND ADD
Status
Active
Days on market
253
On market date
September 16, 2025
Stories
N/A
Total bathrooms
3
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.31 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
BELLE TERRE ELEMENTARY SCHOOL
4.41 mi away · Grades -1-6
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,360
Student:teacher ratio
16.4:1
District
FLAGLER
Middle
INDIAN TRAILS MIDDLE SCHOOL
4.55 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
911
Student:teacher ratio
20.2:1
District
FLAGLER
High
MATANZAS HIGH SCHOOL
2.5 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,716
Student:teacher ratio
24.9:1
District
FLAGLER

Walkability

Blended score for PALM COAST's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). EPA National Walkability Index only -- nearby-amenity data not cached yet for this area.

28
Car-dependent
out of 100
EPA National Walkability Index
5.5 / 20 -- Least walkable

Market position

How this listing compares to current activity in PALM COAST, from live MLS data.

On the market 253 days -- 143 more days than PALM COAST's current average of 110 days.
For reference, the median list price across 2,012 active listings in PALM COAST right now is $350,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Adjust tax / insurance estimates
% / yr
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/mo
Est. monthly payment
$3,697/mo
$117,800 down
$471,200 loan
Principal & interest$3,056
Property tax (est.)$491
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated June 8, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.