David Ramirez

2 COCONUT COURT, PALM COAST, FL, 32137

Active130 days on marketListed Mar 20, 2026MLS #FC316957

Priced 48% below the PALM COAST 32137 medianWaterfrontPALM HARBOR

About this home

2 COCONUT COURT

Build Your Waterfront Dream in Paradise! Take this opportunity to own a saltwater canal lot tucked away at the end of a quiet cul-de-sac, offering privacy and over 13,000 sq. ft. of space to create your ideal Florida retreat. Bring your boat, fishing pole, and love for the outdoors—this property provides an easy route to the Intracoastal Waterway, making it perfect for boating and waterfront living. Enjoy peaceful canal views while feeding the fish right from your backyard. Design and build your dream home exactly the way you want with: No HOA, No required timeframe to build, and you can choose your own builder. Whether you envision a custom home with a pool, outdoor kitchen, or private dock, this oversized lot gives you the flexibility to bring your vision to life. Conveniently located just a short drive to beautiful beaches, golf courses, restaurants, shopping, and everyday essentials, this property truly offers the best of Florida living. Don’t miss this opportunity—contact me today to get started!

Facts & features

The home at a glance

0.3 ac

Lot size

Waterfront

Inside

Outside & construction

Community & fees

Taxes (2025)$2,932/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Sewer Available · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,658 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,166
FHA mortgage insurance (est.)$88
Property tax — 2025 actual bill$244
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $6,930Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $6,930
Interest rate6.00%
Loan term

Estimated payment

$1,658/mo

Principal & interest$1,166
FHA mortgage insurance (est.)$88
Property taxes (actual bill)$244
Est. insurance$160

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.

Where it sits

Inside Palm Harbor

Map of 2 COCONUT COURT inside its neighborhood boundary

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

HighMatanzas High School★★★★
MiddleIndian Trails Middle School★★★★★
ElementaryOld Kings Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketBalanced5.8 months of inventoryBuyer’s market

$353K$373K

Palm Coast median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 48% below the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

Mar 20, 2026Listed at $198,000 · 130 days on market since

Reality check

What actually sold near 2 COCONUT COURT

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

16 FRENORA LANESold · Aug ’25

$299,999

16 FRENORA LANE · same community

3 bd · 2 ba · 1,480 sqft · $203/sqft · 66 DOM

11 FLAT ROCK LANESold · Jul ’26

$365,000

11 FLAT ROCK LANE · same community

3 bd · 2 ba · 1,514 sqft · $241/sqft · 165 DOM

23 FIRTREE LANESold · Aug ’25

$330,000

23 FIRTREE LANE · same community

3 bd · 2 ba · 1,565 sqft · $211/sqft · 18 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2 COCONUT COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2 COCONUT COURT — 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.

Goes straight to David’s phone and CRM.

Straight answers

2 COCONUT COURT FAQs

What would the monthly payment be for 2 COCONUT COURT?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,658/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 2 COCONUT COURT?+

The most recent tax bill on record (2025) was $2,932. 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 $198,000, this home is listed about 50% below the Palm Coast median of $395,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2 COCONUT COURT?+

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

Four things that matter here

01Under the PALM COAST 32137 market on paper

$198,000 is 48% below the PALM COAST 32137 median of $381,175.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

130 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.

Listing courtesy of REALTY EXCHANGE, LLC · Jannette Coby, LLC. MLS #FC316957.

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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