25 COTTONWOOD COURT, PALM COAST, FL, 32137
Active69 days on marketListed Jun 5, 2026MLS #FC319069
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About this home
25 COTTONWOOD COURT
One or more photo(s) has been virtually staged. Saltwater Sailboat Country unicorn! This rare concrete block 4 bedroom, 2 bath waterfront pool home that is just steps to the Intracoastal waterway with NO bridges....AND has a buildable lot next door for sale, creating endless possibilities. Opportunities like this are exceptionally rare. This deep-water canal can accommodate a large boat and provides quick access to some of the area’s best boating, fishing, and waterfront destinations. Inside, you’ll find soaring ceilings, an open floor plan, a granite kitchen, spacious living areas, and a private owner’s suite featuring a garden tub, walk-in shower, and dual vanities. Step outside to your screened lanai and solar-heated salt water pool overlooking the water—perfect for entertaining or relaxing after a day on the boat. Garage has a ductless mini split unit. A 10,000 boat lift is already in place, making it easy to start enjoying the saltwater lifestyle immediately & 50Amp service on the dock with water & electric. Additional peace of mind comes with a newer roof installed in 2020. With no HOA, you’ll have the freedom to enjoy your property your way, including the potential for short-term rentals with proper licensing. You may purchase the additional lot seperately for privacy and future expansion, or explore the possibility of selling it separately in the future. Whether you dream of additional garage space, a guest house, workshop, or simply preserving your extra waterfront frontage, the possibilities are endless. The owner must relocate, creating a rare opportunity to own one of Sailboat Country’s most unique waterfront offerings. Waterfront properties with this much frontage, flexibility, and potential rarely come available—don’t miss your chance to own this one-of-a-kind Palm Coast waterfront retreat! 50 AMP service on the dock. Price improvement! The additional Lot will be separated at closing and will be for sale after home sale.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,317
Sqft
0.23 ac
Lot size
2
Garage
1999
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.
$5,420 /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
$5,420/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
+20.7%
$/sqft vs Palm Coast actives
$358 vs $222
Days on market
69 vs 49 typical
Where $358/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
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
202 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 118% 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 25 COTTONWOOD COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$515,000
5 CIMMARON DRIVE · same community
3 bd · 2 ba · 2,176 sqft · $237/sqft · 49 DOM
Sold · Nov ’25$490,000
2 CEDARFIELD COURT · same community
3 bd · 2 ba · 2,459 sqft · $199/sqft · 42 DOM
Sold · Sep ’25$700,000
8 CEDARFORD COURT · same community
3 bd · 2.5 ba · 2,461 sqft · $284/sqft · 51 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 25 COTTONWOOD COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 25 COTTONWOOD 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
25 COTTONWOOD COURT FAQs
What would the monthly payment be for 25 COTTONWOOD COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,420/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 25 COTTONWOOD COURT?+
The most recent tax bill on record (2025) was $5,651. 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 $829,900, this home is listed about 108% above the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 25 COTTONWOOD 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
$829,900 runs 118% above the PALM COAST 32137 median — but at 2,317 sqft it's also 23% larger than 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 $1,150,000, now $829,900 — a $320K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY EXCHANGE, LLC · Julie Sabine. MLS #FC319069.
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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