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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold·Closed Mar 19, 2026·172 days on market

32 Covington Lane

Palm Coast, FL 32137

$430,000sold priceListed at $449,900 · 95.6% of asking$179/sqftMLS# 2105614
4
Beds
3
Baths
2,403
Sq Ft
2005
Built
2
Garage
Yes
Pool
No HOA10,019 sqft lotSingle Family Residence1 story

About this home

Palm Coast

Welcome to this elegant 4-bedroom, 3-bath residence offering the perfect blend of comfort, style, and Florida living. From the inviting foyer to the open and functional layout, this home is designed for both relaxation and entertaining. The interior features a formal dining room, a bright kitchen with ample cabinetry, breakfast nook, and breakfast bar, plus a spacious living room with laminate wood flooring. Tile floors in all bathrooms and kitchen make upkeep a breeze. The split-bedroom plan provides privacy, including a well-sized primary suite and additional guest accommodations. Step outside and embrace the Florida lifestyle! A sparkling pool with a tranquil preserve backdrop creates a private retreat, while the summer kitchen is ideal for entertaining family and friends poolside. Additional highlights include a 2-car garage, light-filled living spaces, and meticulous maintenance throughout. NEW ROOF 11. 2021, NEW HVAC 11.2024, NEW POOL PUMP 12. 2024

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,382
Estimated total, before insurance$2,382/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,204/yr · $350/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$430,000
$86,000
Loan Term
Monthly Payment
$2,382
Principal & Interest: $2,382
Insurance (est.): $287
Estimated Total Monthly
$2,668
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2005)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,772 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,204/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $322/sq ft; this home is listed at $187/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
40 Columbia Lane, Palm Coast, FL 32137Listed by REALTY EXECUTIVES OCEANSIDESep 2026$445,000$2553/21,744290.5
99 Cimmaron Drive, Palm Coast, FL 32137Listed by UNITED REAL ESTATE GALLERYJul 2026$525,000$2023/3.52,594100.6
144 Cochise Court, Palm Coast, FL 32137Listed by LPT REALTY LLCJan 2026$990,000$3943/2.52,5121040.6
12 Collinson Court, Palm Coast, FL 32137Listed by EXP REALTY LLCSep 2026$585,000$3223/21,816790.7
10 Collinson Court, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUPJun 2026$725,000$3114/2.52,3301240.7
7 Cedarford Court, Palm Coast, FL 32137Listed by NON MLS (realMLS)Sep 2026$770,000$3933/21,95900.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$449,900
Price / Sq Ft$187
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,403
Acres0.23 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontNo

Community Information

Address32 Covington Lane, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionMetes & Bounds
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size10,018.8 sq ft
Parcel Number0711317016001100160

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate, Tile
# of Stories1
LevelsOne
LaundryIn Unit, Sink
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesOutdoor Kitchen
Patio / PorchFront Porch, Patio, Rear Porch
RoofShingle
ConstructionConcrete, Frame, Stucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 26, 2025
Days on Market172
Tax Amount$4,204.14
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Mar 19, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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