8 COLE PLACE, PALM COAST, FL, 32137
Active174 days on marketListed Feb 4, 2026MLS #FC315795
About this home
8 COLE PLACE
Virtually Staged. RARE FIND!! Golf course living on an oversized lot, featuring a saltwater pool — just minutes from the beach and walking distance to shops, restaurants and the intracoastal waterway!! Ideally positioned along the 3rd hole of the Palm Harbor Golf Course on a quiet, established, tree-lined street known for its spacious homes and serene setting, this thoughtfully updated residence is truly move-in ready. Featuring all new updates including roof (October 2025), A/C, range, dishwasher and pool pump. Inside, elevated ceiling heights enhance the sense of openness and natural light throughout the main living areas. The kitchen features ample, custom wood cabinetry offering both beauty and function and a bright dinette space overlooking the fairway and pool. An air-conditioned lanai/Florida room with expansive windows fills the home with natural light and seamlessly extends the living space. Outdoors, a sparkling saltwater pool awaits within a screened enclosure, thoughtfully positioned to take in peaceful golf course views while maintaining comfort and privacy. The generous .41-acre homesite offers plenty of space to spread out, complemented by an oversized paver driveway that adds to the home’s curb appeal. The garage has been updated with newly finished floors, creating a clean, polished finish. Don't miss the opportunity to enjoy the beautiful Florida lifestyle, where everyday is a vacation!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,347
Sqft
0.41 ac
Lot size
2
Garage
1984
Year built
One
Levels
$234
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,234 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,234/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−15.5%
$/sqft vs Palm Coast actives
$234 vs $217
Days on market
174 vs 47 typical
Where $234/sqft sits among the 400 Palm Coast actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Harbor
Get to know Palm Coast. See the full Palm Coast guide →
Palm Harbor — neighborhood snapshot
Population
16,621
Median age
57
Median income
$73,524
Median home value
$373,781
Avg household
2
Households w/ children
1,152
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Coast market
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
180 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 44% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 8 COLE PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$575,000
27 COLE PLACE · same community
4 bd · 2.5 ba · 2,192 sqft · $262/sqft · 90 DOM
Sold · Mar ’26$480,000
1 CROMPTON PLACE · same community
3 bd · 3 ba · 2,007 sqft · $239/sqft · 120 DOM
Sold · Jan ’26$329,000
11 CLARK LANE · same community
5 bd · 2 ba · 1,995 sqft · $165/sqft · 63 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 8 COLE PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8 COLE PLACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
8 COLE PLACE FAQs
What would the monthly payment be for 8 COLE PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,234/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 8 COLE PLACE?+
The most recent tax bill on record (2025) was $7,116. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Coast?+
At $550,000, this home is listed about 39% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8 COLE PLACE?+
Matanzas High School (high), Indian Trails Middle School (middle), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$550,000 runs 44% above the PALM COAST 32137 median — but at 2,347 sqft it's also 25% larger than the typical Palm Coast listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
174 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Matanzas High School, Indian Trails Middle School, Old Kings Elementary School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $599,900, now $550,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX SELECT PROFESSIONALS · Morgan Kujawa. MLS #FC315795.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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