13 CEDARFORD COURT, PALM COAST, FL, 32137
Active83 days on marketListed May 14, 2026MLS #FC317963
About this home
13 CEDARFORD COURT
Nestled in the highly desirable Palm Harbor “Sailboat Country,” this stunning waterfront retreat offers the ultimate Florida lifestyle with no boat size restrictions and direct saltwater canal access. Situated on the peaceful Cimmaron Basin, this light and bright 3-bedroom, 2-bath home showcases breathtaking water views from nearly every room. Cathedral ceilings and an inviting open layout create an airy coastal feel, while the upgraded kitchen features granite countertops, abundant wood cabinetry, and a charming eat-in area perfect for morning coffee overlooking the water. Enjoy indoor-outdoor living at its finest with a spacious screened lanai, expansive wood deck, private dock with boat lift, and beautifully designed patio ideal for entertaining, sunset gatherings, or relaxing while watching dolphins and manatees pass by. The home also features multiple living spaces including a living room, dining room, and family room, plus a 2-car garage and mature tropical landscaping that enhances the tranquil setting. Located on a quiet cul-de-sac just minutes from marinas, golf, shopping, dining, waterfront parks, and the beach, this home is a rare opportunity to own a slice of paradise in one of Palm Coast’s most sought-after waterfront communities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,955
Sqft
0.23 ac
Lot size
2
Garage
1981
Year built
One
Levels
$358
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.
$4,835 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,835/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+47.9%
$/sqft vs PALM HARBOR
$358 vs $241
Days on market
83 vs 52 typical
Where $358/sqft sits among the 25 homes for sale in PALM HARBOR
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
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
12 of 25
PALM HARBOR have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 84% 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 13 CEDARFORD COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,700,000
7 PALM HARBOR DRIVE · same community
3 bd · 2 ba · 1,938 sqft · $877/sqft · 88 DOM
Sold · Feb ’26$499,000
16 S CLAYMONT COURT S · same community
3 bd · 2 ba · 1,993 sqft · $250/sqft · 191 DOM
Sold · Aug ’25$335,000
104 FOXHALL LANE · same community
3 bd · 2 ba · 1,815 sqft · $185/sqft · 45 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 13 CEDARFORD COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13 CEDARFORD 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.
Straight answers
13 CEDARFORD COURT FAQs
What would the monthly payment be for 13 CEDARFORD COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,835/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 13 CEDARFORD COURT?+
The most recent tax bill on record (2025) was $7,627. 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 $699,900, this home is listed about 75% above the Palm Coast median of $399,925. The market section on this page shows how the area is trending.
Which schools are assigned to 13 CEDARFORD 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
01Positioned at the premium end
$699,900 runs 84% above the PALM COAST 32137 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong 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.
04The price has already moved
Listed at $739,000, now $699,900 — a $39K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WELCOME HOME REAL ESTATE LLC · Fatima Queiros. MLS #FC317963.
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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