$579,900
109 Coral Reef Court
Palm Coast, FL 32137
Listing updated: June 2, 2026 at 7:36 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Motivated Seller! Bring all offers! Don't miss this rare $1 million opportunity offering navigable deep-water canal and direct access to the Matanzas River without the $1 million price tag! This exceptional property is a dream for boaters and water enthusiasts. Step into your backyard and onto your boat -- the newer dock on deep-water canal provides easy access to the Matanzas River and Intercoastal, for endless fishing, cruising, kayaking, and waterfront dining. The home is designed to maximize water views. Natural light pours throughout creating a bright and airy atmosphere. Open-concept flows from the living room to the kitchen and dining areas, perfect for entertaining after a day on the water. Primary suite offers a peaceful retreat, while bedrooms provide for guests or a home office. Whether you're hosting sunset gatherings or enjoying morning coffee, canal views and the coastal breeze are your daily backdrop. If you're searching for a waterfront home with river access, this is your chance. NO HOA or CDD!
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history82 days on market
- Status: ActiveMar 13, 2026
- Listed$599,900Mar 12, 2026
- Price reduced$579,900
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 82
- Cumulative DOM
- 96
- Subdivision
- Palm Coast Sec 04
- County
- Flagler
- Year built
- 1987
- Living area
- 1,644 sq ft
- Price/sq ft
- $353
- Building area
- 2,342 sq ft (Public Records)
- Lot size
- 10,023 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X* (12035C0129E)
- Garage
- 2 spaces
- Annual taxes
- $3,537 (2025)
- Parcel #
- 07-11-31-7004-00160-0170
- Zoning
- SFR
- MLS #
- GC538125
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Ceramic Tile
- Appliances
- Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator
- Interior features
- Cathedral Ceiling(s), Ceiling Fans(s), Kitchen/Family Room Combo, Living Room/Dining Room Combo
- Laundry
- Inside
- Stories / Levels
- One
- Direction faces
- North
Heating & Cooling
- Heating
- Central, Electric, Heat Pump
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Construction materials
- Block, Brick, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Canal/Lake For Irrigation
- Utilities
- Cable Available, Electricity Connected, Sewer Connected, Water Connected
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | |
| Bedroom 2 | First | |
| Bedroom 3 | First | |
| Primary Bathroom | First | |
| Bathroom 2 | First | |
| Dining Room | First | |
| Kitchen | First | |
| Living Room | First |
Listing Details
- Listing date
- 2026-03-12
- On market date
- 2026-03-12
- Original list price
- $599,900
- Occupant type
- Owner
- MLS area
- 32137 - Palm Coast
- Listing AOR
- Gainesville-Alachua
- Status changed
- 2026-03-13
- Tax legal description
- PALM COAST SEC 4 BL 16 LT 17 OR 116 PG 590 OR 157 PG 336 OR 190 PG 394 OR 287 PG 402 OR 340 PG 175 OR 1431 PG 1261 OR 1604/337 OR 1964/1313-DC OR 1974/1073-DC-JAMES OR 1998/367 OR 2163/810
Flood risk
See FEMA for this zone’s designation and insurance requirements.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From I-95 Take Exit 293 head east on Matanzas Woods Parkway/Palm Coast Parkway. Turn right onto Palm Harbor Parkway. Turn right onto Crystal Way. Turn right onto Coral Reef Ct N. The destination--109 Coral Reef Ct N--is on your right
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of June 2, 2026 at 7:36 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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