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

This home is in Sea Colony, Palm Coast.

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Sold

Sold·Closed Aug 10, 2026·29 days on market·Recent sales in Sea Colony·Sea Colony

32 Andover Drive

Palm Coast, FL 32137

$495,000sold priceListed at $514,900 · 96.1% of asking$270/sqftMLS# 2149834
3
Beds
2.5
Baths
1,830
Sq Ft
1990
Built
2
Garage
Yes
Pool

2 more homes for sale in Sea Colony →Search Sea Colony on the map

HOA $250/moSingle Family Residence2 stories

About this home

Sea Colony

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

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,742
HOAbilled monthly$250
Estimated total, before insurance$2,992/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$495,000
$99,000
Loan Term
Monthly Payment
$2,742
Principal & Interest: $2,742
Insurance (est.): $330
Estimated Total Monthly
$3,072
*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 — 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.

History

Price & status history

  • Aug 11, 2026Closed$514,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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 $258/sq ft; this home is listed at $281/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
19 Deerwood Street, Palm Coast, FL 32137Listed by NON MLS (realMLS)Jul 2026$560,000$2773/22,02502.5
40 Columbia Lane, Palm Coast, FL 32137Listed by REALTY EXECUTIVES OCEANSIDESep 2026$445,000$2553/21,744292.6
28 Fielding Lane, Palm Coast, FL 32137Listed by WATSON REALTY CORPORATIONSep 2026$455,000$2583/21,76332.7
169 Bird Of Paradise Drive, Palm Coast, FL 32137Listed by MOMENTUM REALTYJun 2026$320,000$1714/21,867373.5

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$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
StatusClosed
# 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

Exterior

Patio / PorchCovered, Front Porch, Porch, Rear Porch, Screened
RoofShingle
ConstructionVinyl Siding, Wood Siding
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedJune 10, 2026
Days on Market29
HOA Fees$250 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesSecurity
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COASTAL GATEWAY REAL ESTATE GROUP

Sold by: HERRON REAL ESTATE LLC (buyer's brokerage)

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.

The neighborhood

About Sea Colony

Sea Colony is a neighborhood in St. Augustine, FL (Flagler County), ZIP 32137.

View all Sea Colony homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 10, 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

Curious what nearby homes sold for?

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

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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