13 CEDARFORD COURT, PALM COAST, FL, 32137
Active10 days on marketListed Jul 24, 2026MLS #FC320163
About this home
13 CEDARFORD COURT
Experience the best of Florida waterfront living in this beautifully maintained 3-bedroom, 2-bath home located on a quiet cul-de-sac in the highly desirable Palm Harbor community. Situated on a deep saltwater canal with direct Intracoastal access and no fixed bridges, this property is ideal for boating enthusiasts. Inside, you'll find an open, light-filled floor plan with vaulted ceilings, multiple living areas, and stunning water views from nearly every room. The updated kitchen features granite countertops, abundant wood cabinetry, and a cozy breakfast nook overlooking the canal. Step outside to enjoy the screened lanai, spacious waterfront deck, private dock with boat lift, and beautifully landscaped backyard—perfect for relaxing, entertaining, or watching dolphins and manatees pass by. Additional features include a 2-car garage, inside laundry room, walk-in closet, and mature tropical landscaping. Conveniently located just minutes from marinas, golf courses, shopping, dining, parks, and Flagler's beautiful beaches. Don't miss this rare opportunity to lease a true waterfront retreat in one of Palm Coast's most sought-after neighborhoods.
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
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$180 /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
$180/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Palm Coast actives
$1 vs $218
Days on market
10 vs 52 typical
Where $1/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)
168 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 99% below 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 · Jul ’26$785,000
4 COTTAGEGATE COURT · same community
3 bd · 2 ba · 1,982 sqft · $396/sqft · 39 DOM
Sold · May ’26$457,000
11 CLERMONT COURT · same community
4 bd · 2 ba · 1,997 sqft · $229/sqft · 117 DOM
Sold · Mar ’26$552,000
13 CEDARWOOD COURT · same community
3 bd · 2 ba · 1,881 sqft · $293/sqft · 15 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 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $180/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 13 CEDARFORD COURT?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $2,700, this home is listed about 99% below the Palm Coast median of $399,900. 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
Three things that matter here
01Under the PALM COAST 32137 market on paper
$2,700 is 99% below the PALM COAST 32137 median of $383,175, and at $1/sqft it sits under the Palm Coast average of $262.
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.
Keep looking
Similar homes nearby
Listing courtesy of WELCOME HOME REAL ESTATE LLC · Fatima Queiros. MLS #FC320163.
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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