40 COLUMBIA LANE, PALM COAST, FL, 32137
Active8 days on marketListed Jul 27, 2026MLS #FC320146
About this home
40 COLUMBIA LANE
Waterfront Living at Its Best! 40 Columbia Lane in beautiful Palm Coast, Florida. This inviting three-bedroom, two-bath home with a versatile den offers the perfect blend of comfort, functionality, and the Florida waterfront lifestyle. Situated on a saltwater canal with its own private dock, this property provides easy access for boating, fishing, kayaking, or simply enjoying peaceful water views from your backyard. Whether you’re an avid boater or looking for a relaxing waterfront retreat, this home delivers. Inside, the thoughtfully designed floor plan features spacious living areas. The den offers flexible space for a home office, media room, or guest accommodations. A roof installed in 2017 provides added peace of mind. Conveniently located near Palm Coast’s shopping, restaurants, golf courses, parks, and just a short drive to the area’s beautiful Atlantic beaches, this home is an exceptional opportunity to enjoy the best of coastal Florida living. Don’t miss your chance to own this waterfront gem with private saltwater canal access out to the Intracoastal Waterway.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,744
Sqft
0.17 ac
Lot size
2
Garage
1999
Year built
One
Levels
$301
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.
$3,714 /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
$3,714/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+12%
$/sqft vs PALM COAST SEC 16
$301 vs $327
Days on market
8 vs 52 typical
Where $301/sqft sits among the 7 homes for sale in PALM COAST SEC 16
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)
4 of 7
PALM COAST SEC 16 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 36% 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 40 COLUMBIA LANE
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$776,000
12 COMET COURT · same community
3 bd · 2 ba · 1,727 sqft · $449/sqft · 115 DOM
Sold · Dec ’25$720,000
4 CUNNINGHAM LANE · same community
3 bd · 2 ba · 1,810 sqft · $398/sqft · 0 DOM
Sold · Apr ’26$625,000
21 COMET COURT · same community
3 bd · 2 ba · 1,835 sqft · $341/sqft · 276 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
Jessica Torres
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 40 COLUMBIA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40 COLUMBIA LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jessica's phone and CRM.
Straight answers
40 COLUMBIA LANE FAQs
What would the monthly payment be for 40 COLUMBIA LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,714/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 40 COLUMBIA LANE?+
The most recent tax bill on record (2025) was $2,774. 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 $525,000, this home is listed about 31% 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 40 COLUMBIA LANE?+
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
$525,000 runs 36% 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.
Keep looking
Similar homes nearby
Listing courtesy of REALTY EXECUTIVES OCEANSIDE · Shannon Vinnick. MLS #FC320146.
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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