83 COVINGTON LANE, PALM COAST, FL, 32137
Active306 days on marketListed Oct 1, 2025MLS #FC313028
About this home
83 COVINGTON LANE
Beautiful custom Howell canal-front home with boathouse & new lift, complete with electricity, water, & composite dock. Boathouse re-roofed, patio & walkway to dock create the perfect setup for waterfront living. This custom-built Howell home offers 3BR/2BA open floorplan with cathedral ceilings, new roof (3 yrs), new HVAC w/Nest, & fresh paint inside/out. Kitchen has new backsplash, 2nd bath updated with walk-in shower, plantation blinds, & hot water circulating system for near-instant hot water. Outdoors: front paver patio, vinyl fencing, irrigation w/separate well, outdoor uplighting, lanai with 2 new fans, plus Ring cameras. Turnkey coastal living at its best!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,776
Sqft
0.17 ac
Lot size
2
Garage
2001
Year built
One
Levels
$363
Per sqft
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 — not generic estimates.
$4,202 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,202/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+32.4%
$/sqft vs PALM COAST SEC 16
$363 vs $301
Days on market
306 vs 52 typical
Where $363/sqft sits among the 7 homes for sale in PALM COAST SEC 16
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Harbor
Get to know Palm Coast. See the full Palm Coast guide →
Palm Harbor — neighborhood snapshot
Population
16,621
Median age
57
Median income
$73,524
Median home value
$373,781
Avg household
2
Households w/ children
1,152
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
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
3 of 7
PALM COAST SEC 16 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 68% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 83 COVINGTON LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$720,000
4 CUNNINGHAM LANE · same community
3 bd · 2 ba · 1,810 sqft · $398/sqft · 0 DOM
Sold · Jun ’26$776,000
12 COMET COURT · same community
3 bd · 2 ba · 1,727 sqft · $449/sqft · 115 DOM
Sold · Apr ’26$625,000
21 COMET COURT · same community
3 bd · 2 ba · 1,835 sqft · $341/sqft · 276 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 83 COVINGTON LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 83 COVINGTON LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
83 COVINGTON LANE FAQs
What would the monthly payment be for 83 COVINGTON LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,202/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 83 COVINGTON LANE?+
The most recent tax bill on record (2024) was $3,842. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Coast?+
At $644,900, this home is listed about 61% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 83 COVINGTON LANE?+
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
Five things that matter here
01Positioned at the premium end
$644,900 runs 68% above the PALM COAST 32137 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
306 days on market against a Palm Coast median of 52 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $699,000, now $644,900 — a $54K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Kathlene Welsh. MLS #FC313028.
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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