86 COVINGTON LANE, PALM COAST, FL, 32137
Active18 days on marketListed Sep 22, 2026MLS #FC321488
About this home
86 COVINGTON LANE
VACATION AT HOME! Welcome to this immaculate, concrete block home topped with a classic barrel tile roof, perfectly situated in a quiet, exclusive enclave. Tucked away from the hustle and bustle, this property offers serene privacy while remaining conveniently close to shopping, dining, and local amenities. Designed for effortless casual living and entertaining, the home features stylish, low-maintenance wood-look tile flooring throughout. At the heart of the residence is a central kitchen where family and guests naturally gather, framed by versatile living spaces—including a spacious family room, formal living and dining areas, and a cozy breakfast nook. The expansive owner’s suite serves as a private retreat, complete with a tray ceiling, dual walk-in closets, double vanities, a walk-in shower, and a private water closet. Three sets of sliding glass doors flood the interior with natural light and lead out to an oversized covered lanai. Step outside to enjoy your own backyard oasis: a sparkling, screened saltwater pool perfect for swimming or unwinding under the sky. Additional Features: Low-cost irrigation via a well-fed sprinkler system Integrated security camera system Elegant stamped concrete driveway and walkways Over-sized garage with abundant natural light and pull-down attic storage
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,982
Sqft
0.23 ac
Lot size
2
Garage
2001
Year built
One
Levels
$265
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.
$4,092 /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
$4,092/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.
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
−18%
$/sqft vs PALM COAST SEC 16
$265 vs $331
Days on market
18 vs 73 typical
Where $265/sqft sits among the 11 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 → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
9 of 11
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 38% 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 86 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 · Jun ’26$500,000
3 CLEMENT COURT · same community
4 bd · 3 ba · 1,972 sqft · $254/sqft · 19 DOM
Sold · Aug ’26$590,000
23 COMMANDER COURT · same community
3 bd · 2 ba · 1,998 sqft · $295/sqft · 11 DOM
Sold · Apr ’26$700,000
9 CLEAR COURT · same community
3 bd · 2 ba · 1,999 sqft · $350/sqft · 60 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 86 COVINGTON LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 86 COVINGTON LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
86 COVINGTON LANE FAQs
What would the monthly payment be for 86 COVINGTON LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,092/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 86 COVINGTON LANE?+
The most recent tax bill on record (2025) was $7,308. 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 $525,000, this home is listed about 35% above the Palm Coast median of $389,990. The market section on this page shows how the area is trending.
Which schools are assigned to 86 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.
The brief
Three things that matter here
01Positioned at the premium end
$525,000 runs 38% above the PALM COAST 32137 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Indian Trails Middle School, Matanzas High School, Old Kings Elementary School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of SUNBURST REALTY GROUP, INC · Jon Pagan. MLS #FC321488.
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 86 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 Kevin to ping you on any price or status change →