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Overview

3 bd2 ba1,644 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1987
Lot10,023 sqft
Living area1,644 sqft
Price / sqft$341
Garage2 car

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About this home

Cathedral Ceiling(s)Ceiling Fans(s)Kitchen/Family Room ComboLiving Room/Dining Room ComboDishwasherDisposalDryerMicrowave

109 Coral Reef CT N is a 1987-built home in Palm Coast Sec 04, Palm Coast. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,644 square feet of living space. Listed at $560,900 (about $341/sqft), 59 days on market. Flood zone X* - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Welcome to 109 Coral Reef Ct N, a canal-front home in Palm Coast, where waterfront living meets a bright, open, and inviting interior. The spacious living and dining areas flow seamlessly into the kitchen, featuring white cabinetry, granite countertops, stainless steel appliances, a tile backsplash, and an expansive breakfast bar with plenty of room for seating. Outside, the backyard opens directly to the canal with a private dock approximately 3 years old, creating the perfect setting to enjoy the water, relax in the Florida sunshine, or spend an afternoon fishing from your own backyard. The home also features a 2024 roof, 2024 water heater, and 2018 HVAC. With its open layout, waterfront setting, private dock, two-car garage, and convenient Palm Coast location, this home offers a great combination of indoor comfort and Florida waterfront living. Schedule your private showing today and experience 109 Coral Reef Ct N for yourself!

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The essentials

Built
1987
Price / sqft
$341
On market
59 days
Annual tax
$3,396
Flood zone
X* · Low risk
Lot
10,023 sqft
Type
Single Family Residence

At a glance

Single family
Built 1987
Waterfront
Canal - Brackish
2 car garage
10,023 sqft lot
Lot size
1,644 sqft
Living area

Payment

Est. monthly payment
$3,488/mo
Down payment (20%)
$112,180
Property taxes
$283/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1987
Lot
10,023 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
-
Waterfront
Canal - Brackish
Days on Market
59
Cathedral Ceiling(s)
Ceiling Fans(s)
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Dishwasher
Disposal
Dryer
Microwave
Range
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 X*
Annual Tax (2025)
$3,396
Parcel #
07-11-31-7004-00160-0170

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 04
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
10,023 sqft

Price history

Date
Event
Price
9/10/2026
Price change
Source: Stellar MLS #FC320580
$560,900-1.5%
$341/sqft
8/12/2026
Listed for sale
Source: Stellar MLS #FC320580
$569,500
$346/sqft

Neighborhood

109 Coral Reef CT N
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $560,900
$555,000 – $560,900
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 59 after a $8,600 cut.

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
$3,489/mo
Principal & interest$2,925
Property taxes$283
Insurance$280
Down payment20% · $112,180
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

$560,900

$341 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,644 sq ft

Time on market

59 days

Year built

1987

Monthly payment

About $3,488/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,396 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

What should I offer?

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Brokered byKELLER WILLIAMS RLTY FL. PARTNListing agent: Taner BanksListing data from Stellar MLS, MLS# FC320580.

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