Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

List Price

$809,000

9 Cottagegate, Palm Coast, FL 32137

51 days on market

Estimated Payment

$5,620/mo

20% down and current market rates

Bedrooms3 bdBathrooms2 baLiving area2,278 Square FeetYear builtBuilt 2005

Listed by

James Hinson

TERZA REAL ESTATE

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Welcome to Flamingo Cove, a beautifully maintained 3-bedroom, 2-bath waterfront home offering the quintessential Florida lifestyle. Situated on 80 feet of navigable saltwater canal frontage, this boater’s paradise provides direct access to the Intracoastal Waterway in approximately five minutes by boat—with no fixed bridges along the way. This spacious 2,300-square-foot, one-story home offers an open-concept layout with a desirable split-bedroom floor plan, providing both generous gathering spaces and privacy. The large kitchen features granite countertops, abundant counter space, and newer stainless-steel appliances. Tile flooring, plantation shutters, and ceiling fans throughout add to the home’s comfortable, polished feel. The private primary suite includes a walk-in closet, double vanity, large soaking tub, separate shower, and private water closet. Outside, the Florida lifestyle truly comes alive. The large fenced backyard features a sparkling solar-heated saltwater pool and expansive screened-in covered patio with two ceiling fans—perfect for poolside afternoons, outdoor dining, entertaining, or simply relaxing beside the water. Boaters will appreciate the covered boat house, 8,000-pound boat lift, fixed dock, and newly installed AZEK decking. The lift and dock make getting out on the water easy, while the canal’s excellent accessibility means you can be cruising toward the Intracoastal in minutes. Whether it’s morning coffee overlooking the canal, an afternoon in the pool, or an evening boat ride, Flamingo Cove makes everyday living feel like a vacation.

9 Cottagegate, Palm Coast, FL 32137 in Palm Coast, FL 32137 is listed for $809,000. The home has 3 bedrooms, 2 bathrooms, and 2,278 square feet, and was built in 2005. Listed 51 days ago. The listing is held by TERZA REAL ESTATE.

32137 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$6,832 (tax year 2025)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $161,800

$

$5,620/moest.

  • Principal & Interest 78%
  • Property Taxes 10%
  • Insurance 12%
Principal & Interest
$4,377
Property Taxesfrom listing
$569
Insurance
$674

30-year fixed at 7.164%, as of November 10, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $5,620, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $6,832 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR811989025. HomeJam is not the listing broker.

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