Active·1 day on market
2 Covington Lane
Palm Coast, FL 32137
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palm Coast
Waterfront Retreat with Panoramic Long Creek Views in Palm Coast Welcome to this exceptional custom-built 3-bedroom, 2.5-bath waterfront home, offering one of the most beautiful and private waterfront settings in Palm Coast. Three lots have been thoughtfully combined to create an expansive, peaceful property surrounded by nature and breathtaking panoramic views of Long Creek. This rare setting provides privacy, tranquility, and endless opportunities to enjoy Florida's waterfront lifestyle. Inside, the home features a desirable split-bedroom floor plan, with a spacious primary suite designed for comfort and relaxation. The primary bath includes generous walk-in closets, while the updated kitchen showcases elegant quartz countertops and plenty of workspace. The large family room is a welcoming gathering space highlighted by a cozy fireplace and custom built-ins that provide both character and additional storage.
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Shingle — year not disclosed (home built 1991)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,760 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 October 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.
Sun & Light
Northeast-facing backyard — summer sunrises, all-day cool
The listing reports the home facing southwest, which puts the backyard and pool on the northeast side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.
- The coolest diagonal for a lanai; a pool here trades warmth for comfort.
- The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
History
Price & status history
- Oct 10, 2026Active$849,000
- Oct 6, 2026Listed$849,000
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 $322/sq ft; this home is listed at $329/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 32 Covington Lane, Palm Coast, FL 32137Listed by FLORIDA HOMES REALTY & MTG LLC | Mar 2026 | $430,000 | $179 | 4/3 | 2,403 | 172 | 0.2 |
| 12 Collinson Court, Palm Coast, FL 32137Listed by EXP REALTY LLC | Sep 2026 | $585,000 | $322 | 3/2 | 1,816 | 79 | 0.5 |
| 99 Cimmaron Drive, Palm Coast, FL 32137Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $525,000 | $202 | 3/3.5 | 2,594 | 10 | 0.5 |
| 10 Collinson Court, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUP | Jun 2026 | $725,000 | $311 | 4/2.5 | 2,330 | 124 | 0.5 |
| 7 Cedarford Court, Palm Coast, FL 32137Listed by NON MLS (realMLS) | Sep 2026 | $770,000 | $393 | 3/2 | 1,959 | 0 | 0.6 |
| 144 Cochise Court, Palm Coast, FL 32137Listed by LPT REALTY LLC | Jan 2026 | $990,000 | $394 | 3/2.5 | 2,512 | 104 | 0.7 |
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
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS FIRST COAST REALTY
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines