25 Cottonwood CT, photo 1
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Overview

4 bd2 ba2,317 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1999
Lot10,019 sqft
Living area2,317 sqft
Price / sqft$345
Garage2 car

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About this home

Ceiling Fans(s)DishwasherMicrowaveRangeRefrigerator

25 Cottonwood CT is a 1999-built home in Palm Coast Sec 14, Palm Coast. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,317 square feet of living space. Listed at $799,900 (about $345/sqft), 128 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

One or more photo(s) has been virtually staged. Saltwater Sailboat Country unicorn! This rare concrete block 4 bedroom, 2 bath waterfront pool home that is just steps to the Intracoastal waterway with NO bridges....AND has a buildable lot next door for sale, creating endless possibilities. Opportunities like this are exceptionally rare. This deep-water canal can accommodate a large boat and provides quick access to some of the area’s best boating, fishing, and waterfront destinations. Inside, you’ll find soaring ceilings, an open floor plan, a granite kitchen, spacious living areas, and a private owner’s suite featuring a garden tub, walk-in shower, and dual vanities. Step outside to your screened lanai and solar-heated salt water pool overlooking the water—perfect for entertaining or relaxing after a day on the boat. Garage has a ductless mini split unit. A 10,000 boat lift is already in place, making it easy to start enjoying the saltwater lifestyle immediately & 50Amp service on the dock with water & electric. Additional peace of mind comes with a newer roof installed in 2020. With no HOA, you’ll have the freedom to enjoy your property your way, including the potential for short-term rentals with proper licensing. You may purchase the additional lot seperately for privacy and future expansion, or explore the possibility of selling it separately in the future. Whether you dream of additional garage space, a guest house, workshop, or simply preserving your extra waterfront frontage, the possibilities are endless. The owner must relocate, creating a rare opportunity to own one of Sailboat Country’s most unique waterfront offerings. Waterfront properties with this much frontage, flexibility, and potential rarely come available—don’t miss your chance to own this one-of-a-kind Palm Coast waterfront retreat! 50 AMP service on the dock. Price improvement! The additional Lot will be separated at closing and will be for sale after home sale.

The essentials

Built
1999
Price / sqft
$345
On market
128 days
Annual tax
$5,651
Flood zone
X · Low risk
Lot
10,019 sqft
Type
Single Family Residence

At a glance

Single family
Built 1999
Waterfront
Canal - Saltwater
Private pool
Heated
2 car garage
10,019 sqft lot
Lot size

Payment

Est. monthly payment
$5,043/mo
Down payment (20%)
$159,980
Property taxes
$471/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1999
Lot
10,019 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
Heated, In Ground, Salt Water, Solar Heat
Waterfront
Canal - Saltwater
Days on Market
128
Ceiling Fans(s)
Dishwasher
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$5,651
Parcel #
07-11-31-7014-00020-0630

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Palm Coast Sec 14
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
10,019 sqft

Price history

Date
Event
Price
9/2/2026
Price change
Source: Stellar MLS #FC319069
$799,900-3.6%
$345/sqft
-
Price change
Source: Stellar MLS #FC319069
$829,900-27.8%
$358/sqft
6/5/2026
Listed for sale
Source: Stellar MLS #FC319069
$1,150,000
$496/sqft

Neighborhood

25 Cottonwood CT
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $799,900
$790,000 – $799,900
98.6% – 100% of listTops out right at the list price
80% of listList price
254 of the last 506 home closings in 32137 landed at this number or higher (50%). The median one sat 49 days before it went under contract, and this one is on day 128 after a $350,100 cut.

Sample: 506 closed home sales in 32137 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$5,043/mo
Principal & interest$4,172
Property taxes$471
Insurance$400
Down payment20% · $159,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$799,900

$345 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,317 sq ft

Time on market

128 days

Year built

1999

Monthly payment

About $5,043/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,651 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byREALTY EXCHANGE, LLCListing agent: Julie SabineListing data from Stellar MLS, MLS# FC319069.

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