12 CLOVERDALE COURT S, PALM COAST, FL, 32137
Active12 days on marketListed Jul 27, 2026MLS #FC320228
About this home
12 CLOVERDALE COURT S
Experience the best of Palm Coast waterfront living in this 4-bedroom, 4-full-bath saltwater canal home, ideally located in the desirable Palm Harbor community just minutes from the Intracoastal Waterway. Designed for both everyday living and entertaining, the home features two upstairs en suite bedrooms, spacious living areas, crown molding, and tray/coffered ceilings. Step outside to your private backyard oasis with a screened pool, spa, outdoor kitchen, and approximately 80 feet of saltwater canal frontage with a private dock and newer bulkhead. Whether you're boating, fishing, or enjoying the Florida sunshine, this property offers the waterfront lifestyle you've been searching for. Conveniently located near shopping, dining, golf, parks, and Flagler Beach.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,738
Sqft
0.23 ac
Lot size
2
Garage
1997
Year built
Two
Levels
$347
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.
$6,121 /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
$6,121/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.
$/sqft vs Palm Coast actives
$347 vs $223
Days on market
12 vs 49 typical
Where $347/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 → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
189 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 147% 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 12 CLOVERDALE COURT S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$715,000
15 CLOVERDALE COURT S · same community
4 bd · 3 ba · 2,792 sqft · $256/sqft · 23 DOM
Sold · Apr ’26$685,000
1 CLOVERDALE COURT S · same community
4 bd · 2.5 ba · 2,654 sqft · $258/sqft · 42 DOM
Sold · Jun ’26$525,000
21 CLAYMONT COURT S · same community
3 bd · 2.5 ba · 2,629 sqft · $200/sqft · 75 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 12 CLOVERDALE COURT S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 CLOVERDALE COURT S — 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
12 CLOVERDALE COURT S FAQs
What would the monthly payment be for 12 CLOVERDALE COURT S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,121/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 12 CLOVERDALE COURT S?+
The most recent tax bill on record (2025) was $5,744. 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 $950,000, this home is listed about 138% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12 CLOVERDALE COURT S?+
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
01Positioned at the premium end
$950,000 runs 147% above the PALM COAST 32137 median — but at 2,738 sqft it's also 45% 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.
Keep looking
Similar homes nearby
Listing courtesy of TAKE ACTION PROPERTIES, LLC · Robert Keith. MLS #FC320228.
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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