13 COLONIA COURT, PALM COAST, FL, 32137
Active38 days on marketListed Sep 2, 2026MLS #GC543203
About this home
13 COLONIA COURT
Resort-style waterfront living in Palm Coast! Nestled on a saltwater canal in a cul-de-sac with NO HOA fees, this fully furnished, turnkey, beautifully updated and meticulously maintained 3-bedroom, 3-bath home offers comfort, privacy, and the quintessential Florida lifestyle. With a private dock and boat lift, heated pool and spa, and expansive indoor-outdoor living spaces, this home was designed to make every day feel like a getaway. From the moment you enter, the spacious open floor plan creates an inviting sense of space and connection. Luxury vinyl flooring flows throughout the home, complemented by a cozy fireplace and multiple areas designed for comfortable living and entertaining. At the heart of the home is a stunning gourmet kitchen featuring quartz countertops, custom hardwood cabinetry, a 36-inch range, pot filler, oversized island with countertop outlets, and abundant storage. The bright laundry room adds even more functionality with its own skylight, quartz countertops, full sink, and custom cabinetry. Just off the kitchen, the wine bar—with direct access to the outdoor kitchen—makes entertaining effortless, whether hosting family and friends or enjoying a quiet evening at home. The primary suite offers a private retreat with a custom-designed oversized walk-in closet and a luxurious spa-inspired bathroom. Dual showers, a soaking tub, and a unique shower window overlooking a private garden create a peaceful space to unwind and enjoy the Florida lifestyle. The true showstopper is the seamless connection between the interior and the expansive pool lanai. Oversized sliding doors open completely, extending the living room, kitchen, and primary suite into the outdoor living space. Here, the heated pool and spa overlook the peaceful canal, while the dedicated pool bathroom, outdoor kitchen, al fresco dining area, and comfortable TV lounge create an exceptional setting for year-round entertaining. Start the morning with coffee by the water, enjoy an afternoon swim, or gather around the outdoor kitchen for sunset dinners with friends and family. For boating enthusiasts, the private dock and boat lift provide direct access to the Intracoastal Waterway, making it easy to get out on the water and enjoy everything Florida’s coast has to offer. At the end of the day, simply relax on the back patio and watch marine life move through the canal. The modern marine-grade cable railing preserves the open waterfront views without visual obstruction. The home has also been thoughtfully maintained and significantly improved, allowing you to move in and enjoy rather than take on major projects. Recent improvements include a 2022 roof, 2022 solar panels, 2018 dock and boat lift, 2025 HVAC, 2026 pool water heater, 2026 flooring, 2025 interior and exterior paint, 2020 water heater, updated 2026 light fixtures, and much more. Located just minutes from the beach, this exceptional waterfront retreat offers the best of coastal Florida living—boating, swimming, entertaining, relaxing, and enjoying beautiful waterfront surroundings—all from the comfort of home. Owner/Agent.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,411
Sqft
0.24 ac
Lot size
2
Garage
1985
Year built
One
Levels
$385
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.
$6,142 /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
$6,142/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
+25.8%
$/sqft vs PALM COAST SEC 16
$385 vs $331
Days on market
38 vs 73 typical
Where $385/sqft sits among the 10 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)
8 of 10
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 145% 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 13 COLONIA COURT
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$760,000
7 CRANDON COURT · same community
4 bd · 3 ba · 2,412 sqft · $315/sqft · 80 DOM
Sold · Jun ’26$725,000
10 COLLINSON COURT · same community
4 bd · 2.5 ba · 2,330 sqft · $311/sqft · 122 DOM
Sold · Mar ’26$610,000
2 COVENTRY PLACE · same community
3 bd · 2 ba · 2,534 sqft · $241/sqft · 7 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 13 COLONIA COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13 COLONIA COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13 COLONIA COURT FAQs
What would the monthly payment be for 13 COLONIA COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,142/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 13 COLONIA COURT?+
The most recent tax bill on record (2025) was $7,446. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 13 COLONIA COURT?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $929,000, this home is listed about 138% 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 13 COLONIA COURT?+
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
Four things that matter here
01Positioned at the premium end
$929,000 runs 145% above the PALM COAST 32137 median — but at 2,411 sqft it's also 27% larger than the typical Palm Coast listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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.
04The price has already moved
Listed at $969,000, now $929,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE GVILLE · Russ Mercer. MLS #GC543203.
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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