Sold·Closed Sep 17, 2026·29 days on market
40 Columbia Lane
Palm Coast, FL 32137
About this home
Palm Coast
Waterfront Living at Its Best! Welcome to 40 Columbia Lane in beautiful Palm Coast, Florida. This inviting 3-bedroom, 2-bath home with a versatile den offers comfort, functionality, and the ultimate Florida waterfront lifestyle. Situated on a saltwater canal with a private dock, enjoy easy access for boating, fishing, kayaking, or relaxing by the water. The flexible den is ideal for a home office, media room, or guest space. A 2017 roof adds peace of mind. Conveniently located near shopping, dining, golf, parks, and Atlantic beaches, this home offers the best of coastal Florida living. Don't miss this opportunity for private saltwater canal access to the Intracoastal Waterway!
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone HUR
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: material not specified — 2017 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer · Palm Coast - building count > 0 within city limits · Public water (record)
County records show this parcel on central sewer served by Palm Coast - building count > 0 within city limits — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,797 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 homeAs of August 2026, 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Fort Matanzas south accessabout 9 mi · 40 parking spaces
Closest park or preserve
Pellicer Creek Conservation Areaabout 4 mi · 3.7 mi of trails
Closest public boat ramp
Bing's Landing Boat Rampabout 2 mi · Atlantic ICW (Flagler County) Matanzas River
Closest kayak & paddleboard launch
Bing's Landing Accessible Kayak Launch Dockabout 2 mi · Atlantic ICW (Flagler County) Matanzas River
Closest grocery store
Aldiabout 15 mi · 181 Blackford Way, St. Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,774/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.
History
Price & status history
- Sep 18, 2026Closed$525,000
- Aug 24, 2026Pending$525,000
- Aug 13, 2026Price change$525,000+$524,475
- Aug 13, 2026Listed$525
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 $301/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12 Collinson Court, Palm Coast, FL 32137Listed by EXP REALTY LLC | Sep 2026 | $585,000 | $322 | 3/2 | 1,816 | 79 | 0.3 |
| 7 Cedarford Court, Palm Coast, FL 32137Listed by NON MLS (realMLS) | Sep 2026 | $770,000 | $393 | 3/2 | 1,959 | 0 | 0.7 |
| 28 Fielding Lane, Palm Coast, FL 32137Listed by WATSON REALTY CORPORATION | Sep 2026 | $455,000 | $258 | 3/2 | 1,763 | 3 | 1 |
| 60 Frenora Lane, Palm Coast, FL 32137Listed by REALTY EXCHANGE LLC | May 2026 | $390,000 | $204 | 4/2 | 1,908 | 88 | 1.1 |
| 22 Farnum Lane, Palm Coast, FL 32137Listed by MARK SPAIN REAL ESTATE | Apr 2026 | $292,500 | $191 | 3/2 | 1,529 | 44 | 1.1 |
| 14 Fort Caroline Lane, Palm Coast, FL 32137Listed by WATSON REALTY CORPORATION | Oct 2026 | $410,000 | $199 | 3/2 | 2,056 | 8 | 1.3 |
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
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: REALTY EXECUTIVES OCEANSIDE
Sold by: REALTY EXECUTIVES OCEANSIDE (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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 17, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines