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Overview

3 bd3 ba2,411 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1985
Lot10,280 sqft
Living area2,411 sqft
Price / sqft$385
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanSolid Surface CountersSolid Wood Cabinets

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.

From the listing

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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The essentials

Built
1985
Price / sqft
$385
On market
47 days
Annual tax
$7,446
Flood zone
X500 · Low risk
Lot
10,280 sqft
Type
Single Family Residence

At a glance

Single family
Built 1985
Waterfront
Canal - Brackish
Private pool
In Ground
2 car garage
10,280 sqft lot
Lot size

Payment

Est. monthly payment
$5,930/mo
Down payment (20%)
$185,800
Property taxes
$621/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1985
Lot
10,280 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
In Ground
Waterfront
Canal - Brackish, Canal - Saltwater, Canal Front
Days on Market
47
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Wet Bar
Window Treatments
Lighting
Outdoor Kitchen
Private Entrance
Private Mailbox
Private Yard
Rain Gutters
Bar Fridge
Convection Oven
Dishwasher
Disposal
Dryer
Electric Water Heater
Freezer
Ice Maker
Microwave
Range
Range Hood
Refrigerator
Washer
Wine Refrigerator
Flood Zone X500
Annual Tax (2025)
$7,446
Parcel #
33048

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
10,280 sqft
Cul-De-SacPrivatePaved

Price history

Date
Event
Price
9/28/2026
Price change
Source: Stellar MLS #GC543203
$929,000-4.1%
$385/sqft
9/2/2026
Listed for sale
Source: Stellar MLS #GC543203
$969,000
$402/sqft

Neighborhood

13 Colonia CT
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $929,000
$915,000 – $929,000
98.7% – 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 50 days before it went under contract, and this one is on day 47 after a $40,000 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
$5,930/mo
Principal & interest$4,845
Property taxes$621
Insurance$465
Down payment20% · $185,800
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

$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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Have another question?

Brokered byFLORIDA HOMES REALTY & MORTGAGE GVILLEListing agent: Russ MercerListing data from Stellar MLS, MLS# GC543203.

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