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Pending

Pending·50 days on market

32 Andover Drive

Palm Coast, FL 32137

$514,900$281/sqftEst. $2,625/moMLS# 2149834

Beds

Baths

1,830

Sq Ft

1990

Built

Garage

Yes

Pool

About this home

Palm Coast

Welcome to 32 Andover Drive, a beautifully updated Sea Colony pool home that blends coastal charm with modern convenience. This inviting 3-bedroom, 2.5-bath home offers soaring ceilings, abundant natural light, and a bright, open feel throughout. The home features a brand-new 2026 roof, 2019 HVAC, 2021 hot water heater, newer pool pump, updated interior and exterior paint, flooring, doors, window shutters, and a fully updated kitchen and appliances. The spacious primary suite is located on the first floor, while the upstairs offers additional bedrooms and a loft, providing flexibility for guests, work, or relaxation. Fully screened pool and covered lanai, the perfect setting for entertaining or enjoying quiet Florida evenings year-round. With its well-kept exterior, coastal color palette, and desirable layout. 5 minutes to the ICW with a marina to launch your boat, jet ski, kayak, etc. Close to shopping, restaurants, pickleball and tennis courts, golf courses all nearby! Contact today!

Cost to own

Mortgage calculator

Home Price

$514,900

Down Payment: 20%

$102,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,625

Principal & Interest: $2,625

Insurance (est.): $343

Estimated Total Monthly

$2,969

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$2,625

HOAbilled monthly$250

Estimated total, before insurance$2,875/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.

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 — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,782 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.

Features

Price$514,900

Price / Sq Ft$281

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,830

Total Structure Area2,488 sq ft

Year Built1990

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontNo

Community Information

Address32 Andover Drive, Palm Coast, FL 32137

Area605-Flagler County North-Beach

SubdivisionSea Colony

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Parcel Number2010315365000100220

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Management - Full Time, Security

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached

ViewPool

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryIn Garage

Security24 Hour Security, Fire Alarm, Gated with Guard