16 FLORENCE COURT, PALM COAST, FL, 32137
Active90 days on marketListed May 6, 2026MLS #FC318251
About this home
16 FLORENCE COURT
Welcome to a rare waterfront masterpiece at 16 Florence Ct, perfectly positioned on an expansive tip lot offering approximately 248 feet of saltwater canal frontage with quick access to the Intracoastal Waterway in just minutes. This exceptional coastal retreat spans over 4,000 square feet and features 6 spacious bedrooms and 4.5 bathrooms, thoughtfully designed to capture breathtaking water views from nearly every room. From the moment you enter, you are greeted with light-filled living spaces and panoramic waterfront scenery that defines true Florida luxury living. Step outside to your private outdoor oasis, where a screened-in pool and lanai create the perfect setting for both relaxation and entertaining. Enjoy peaceful mornings watching dolphins glide through the canal, and unwind in the evenings with stunning sunset reflections over the water from the expansive second-floor balcony. Boating enthusiasts will appreciate the multiple boat basins and private dock, along with a 6,000 lb boat lift, making this a dream location for those seeking effortless access to the Intracoastal. Recent upgrades provide peace of mind and modern comfort, including: New roof New HVAC system New water heater New dishwasher New pool pump New circular paver driveway New Beautiful Porcelain Flooring on the first floor New security system with cameras Adding even more value, high-end furnishings are negotiable, and a 25-foot boat (accommodating up to 14 passengers) may also be included, offering a true turnkey waterfront lifestyle. Whether you’re searching for a full-time residence, a luxurious vacation home, or a high-performing investment opportunity, this property offers an unmatched combination of location, space, and lifestyle. This is more than a home—it’s a waterfront experience. Opportunities like this are truly rare.
Facts & features
The home at a glance
6
Bedrooms
4.5
Bathrooms
4,084
Sqft
0.33 ac
Lot size
2
Garage
2007
Year built
Two
Levels
$338
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.
$8,995 /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
$8,995/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
+14.8%
$/sqft vs NO SUBDIVISION
$338 vs $321
Days on market
90 vs 52 typical
Where $338/sqft sits among the 13 homes for sale in NO SUBDIVISION
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)
5 of 13
NO SUBDIVISION have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 259% 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 16 FLORENCE COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$950,000
1084 SE 170TH STREET · same community
7 bd · 5.5 ba · 4,356 sqft · $218/sqft · 128 DOM
Sold · Apr ’26$825,000
4820 NW 59TH STREET · same community
4 bd · 4.5 ba · 3,732 sqft · $221/sqft · 273 DOM
Sold · Feb ’26$1,138,888
14900 COKER GULLY ROAD · same community
2 bd · 2 ba · 3,070 sqft · $371/sqft · 356 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 16 FLORENCE COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16 FLORENCE 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
16 FLORENCE COURT FAQs
What would the monthly payment be for 16 FLORENCE COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,995/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 16 FLORENCE COURT?+
The most recent tax bill on record (2025) was $10,451. 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 $1,380,000, this home is listed about 245% above the Palm Coast median of $399,950. The market section on this page shows how the area is trending.
Which schools are assigned to 16 FLORENCE 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
$1,380,000 runs 259% above the PALM COAST 32137 median — but at 4,084 sqft it's also nearly twice the size of the typical Palm Coast listing.
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 $13,800,000, now $1,380,000 — a $12M cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Victoria Villano. MLS #FC318251.
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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