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Overview

4 bd4 ba2,738 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1997
Lot10,019 sqft
Living area2,738 sqft
Price / sqft$347
Garage2 car

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About this home

Ceiling Fans(s)Crown MoldingHigh CeilingsKitchen/Family Room ComboOpen FloorplanTray Ceiling(s)Vaulted Ceiling(s)Courtyard

12 Cloverdale CT S is a 1997-built home in Palm Coast Sec 03 Palm Harbor Office Park, Palm Coast. Inside you'll find 4 bedrooms, 4 bathrooms, and 2,738 square feet of living space. Listed at $950,000 (about $347/sqft), 79 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Experience the best of Palm Coast waterfront living in this 4-bedroom, 4-full-bath saltwater canal home, ideally located in the desirable Palm Harbor community just minutes from the Intracoastal Waterway. Designed for both everyday living and entertaining, the home features two upstairs en suite bedrooms, spacious living areas, crown molding, and tray/coffered ceilings. Step outside to your private backyard oasis with a screened pool, spa, outdoor kitchen, and approximately 80 feet of saltwater canal frontage with a private dock and newer bulkhead. Whether you're boating, fishing, or enjoying the Florida sunshine, this property offers the waterfront lifestyle you've been searching for. Conveniently located near shopping, dining, golf, parks, and Flagler Beach.

The essentials

Built
1997
Price / sqft
$347
On market
79 days
Annual tax
$5,744
Flood zone
AE
Lot
10,019 sqft
Type
Single Family Residence

At a glance

Single family
Built 1997
Waterfront
Canal - Saltwater
Private pool
Deck
2 car garage
10,019 sqft lot
Lot size

Payment

Est. monthly payment
$5,909/mo
Down payment (20%)
$190,000
Property taxes
$479/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1997
Lot
10,019 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
Deck, Diving Board, In Ground, Lighting, Screen Enclosure
Waterfront
Canal - Saltwater
Days on Market
79
Ceiling Fans(s)
Crown Molding
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Tray Ceiling(s)
Vaulted Ceiling(s)
Courtyard
Outdoor Grill
Outdoor Kitchen
Sliding Doors
Sprinkler Metered
Street Lights
Convection Oven
Dishwasher
Microwave
Refrigerator
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.

Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$5,744
Parcel #
07-11-31-7003-00080-0060

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 03 Palm Harbor Office Park
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
10,019 sqft
Cul-De-Sac

Price history

Date
Event
Price
7/24/2026
Listed for sale
Source: Stellar MLS #FC320228
$950,000
$347/sqft

Neighborhood

12 Cloverdale CT S
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $950,000
$935,000 – $950,000
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 79.

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

Talk through an offer with our team

Calculator

Est. monthly payment
$5,908/mo
Principal & interest$4,955
Property taxes$479
Insurance$475
Down payment20% · $190,000
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

$950,000

$347 per sq ft

Beds and baths

4 beds, 4 baths

Size

2,738 sq ft

Time on market

79 days

Year built

1997

Monthly payment

About $5,909/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,744 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byTAKE ACTION PROPERTIES, LLCListing agent: Robert KeithListing data from Stellar MLS, MLS# FC320228.

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