15 COVINGTON LANE, PALM COAST, FL, 32137
Active54 days on marketListed Aug 18, 2026MLS #FC320715
About this home
15 COVINGTON LANE
CANAL-FRONT OPPORTUNITY in Palm Coast! Discover the perfect setting to build the Florida home you’ve been dreaming of on this approximately 0.27-acre canal-front lot in the established Palm Harbor neighborhood. Imagine starting your mornings with peaceful water views and ending your days enjoying the laid-back Florida lifestyle right in your own backyard. With canal frontage and over 140 feet of road frontage, this property offers a unique opportunity to create a home designed around the lifestyle you want—whether that means a private outdoor oasis, entertaining space, or simply enjoying the tranquility of waterfront living. Conveniently located in Palm Coast, you’ll enjoy easy access to shopping, dining, parks, recreation, and the beautiful Atlantic coastline. And when you’re ready for a change of scenery, historic St. Augustine is just a short drive away, while Daytona Beach is also within easy reach, giving you the best of Northeast Florida living with two iconic coastal destinations nearby. Whether you’re looking to build your forever home, create a seasonal retreat, or invest in one of Palm Coast’s sought-after waterfront settings, 15 Covington Ln offers the canvas—now it’s time to bring your vision to life.
Facts & features
The home at a glance
0.27 ac
Lot size
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.
$2,243 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,243/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
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 → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% below the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 15 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 · Nov ’25$420,000
4 CONTEE COURT · same community
3 bd · 2 ba · 1,231 sqft · $341/sqft · 151 DOM
Sold · Jun ’26$365,000
38 COLECHESTER LANE · same community
3 bd · 2 ba · 1,315 sqft · $278/sqft · 155 DOM
Sold · Aug ’26$420,000
7 CRANDELL COURT · same community
3 bd · 2 ba · 1,477 sqft · $284/sqft · 668 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 15 COVINGTON LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15 COVINGTON LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
15 COVINGTON LANE FAQs
What would the monthly payment be for 15 COVINGTON LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,243/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 15 COVINGTON LANE?+
The most recent tax bill on record (2025) was $2,218. 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 $299,900, this home is listed about 23% below the Palm Coast median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 15 COVINGTON LANE?+
Indian Trails Middle School (middle), Matanzas High School (high), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REALTY EXCHANGE, LLC · Melissa Burgos. MLS #FC320715.
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.
Never miss a listing
New Palm Coast homes, in your inbox
Like 15 COVINGTON LANE but not quite? A daily digest of every new listing in Palm Coast — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Chad to ping you on any price or status change →