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About this home
13 Colonia CT is a 1985-built home in Palm Coast Sec 16, Palm Coast. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,411 square feet of living space. Listed at $929,000 (about $385/sqft), 47 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable.
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.
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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
$929,000
$385 per sq ft
Beds and baths
3 beds, 3 baths
Size
2,411 sq ft
Time on market
47 days
Year built
1985
Monthly payment
About $5,930/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,446 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.
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