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Overview

4 bd3 ba2,165 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2006
Lot21,127 sqft
Living area2,165 sqft
Price / sqft$341
Garage2 car

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About this home

Eat-in KitchenHigh CeilingsSplit BedroomThermostatTray Ceiling(s)Walk-in Closet(s)LightingDishwasher

3 Cochran Ln is a 2006-built home in Palm Coast Sec 16, Palm Coast. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,165 square feet of living space. Listed at $738,300 (about $341/sqft), 76 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Experience the best of Florida waterfront living in this beautifully maintained 4BD, 3BA Palm Harbor home situated on a large corner saltwater canal with easy access for boating, fishing, kayaking, or simply enjoying the water views. From the moment you enter, you’ll appreciate the spacious and inviting floor plan designed for both everyday living and entertaining. The home features elegant formal living and dining rooms, perfect for hosting holidays and special gatherings. The open eat-in kitchen overlooks the comfortable family room, complete with custom built-in shelving, creating the ideal space for family and friends to gather. The desirable split-bedroom layout offers privacy for everyone. The spacious primary suite is a true retreat featuring private access to the lanai, a generous walk-in closet, and a luxurious en-suite bath with dual vanities, a relaxing garden tub, separate walk-in shower, and private water closet. Three additional bedrooms provide flexibility for family, guests, or a home office. Step outside to your private backyard oasis. The oversized screened lanai with a sparkling pool overlooking the expansive saltwater canal, providing the perfect setting for morning coffee, outdoor dining, or watching spectacular Florida sunsets. The waterfront setting offers endless opportunities to enjoy the coastal lifestyle right from your own backyard. Additional highlights include an abundance of natural light, generous living spaces, and a layout that flows effortlessly from indoors to outdoors. Whether you’re looking for a full-time residence, seasonal retreat, or waterfront investment, this home offers exceptional value and an unbeatable lifestyle. Conveniently located near beautiful beaches, golf courses, parks, walking and biking trails, shopping, dining, medical facilities, and major highways, you’ll enjoy the perfect combination of tranquility and accessibility. Don’t miss this opportunity to own a slice of paradise on one of Palm Harbor’s desirable saltwater canals. Schedule your private showing today and discover why this exceptional waterfront home is the perfect place to call home. New roof 2025. Furnishing negotiable.

The essentials

Built
2006
Price / sqft
$341
On market
76 days
Annual tax
$9,682
Flood zone
X500 · Low risk
Lot
21,127 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
Waterfront
Canal - Saltwater
Private pool
In Ground
2 car garage
Garage Door Opener
0.48 acres
Lot size

Payment

Est. monthly payment
$5,027/mo
Down payment (20%)
$147,660
Property taxes
$807/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
21,127 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener
Pool
In Ground, Outside Bath Access, Screen Enclosure
Waterfront
Canal - Saltwater
Days on Market
76
Eat-in Kitchen
High Ceilings
Split Bedroom
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Lighting
Dishwasher
Disposal
Dryer
Electric Water Heater
Range
Refrigerator
Washer
Elementary
Old Kings Elementary
Middle
Indian Trails Middle-FC
High
Matanzas High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X500
Annual Tax (2025)
$9,682
Parcel #
07-11-31-7016-00040-1530

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 16
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
21,127 sqft
Corner LotPaved

Price history

Date
Event
Price
7/26/2026
Listed for sale
Source: Stellar MLS #FC320020
$738,300
$341/sqft

Neighborhood

3 Cochran Ln
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $738,300
$730,000 – $738,300
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 76.

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
$5,027/mo
Principal & interest$3,851
Property taxes$807
Insurance$369
Down payment20% · $147,660
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

$738,300

$341 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,165 sq ft

Time on market

76 days

Year built

2006

Monthly payment

About $5,027/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,682 annual tax bill, insurance.

Flood zone

Zone X500

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

Offer

What should I offer?

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Brokered byTAVOLACCI REALTYListing agent: Denise GalloListing data from Stellar MLS, MLS# FC320020.

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