201 days on marketTownhouse▼ Price cut: $3,500 (8/4)
$477,900
3-Bedroom Townhome in Marina Cove
25 Marina Point Place, Palm Coast, FL 32137
Townhouse in Marina Cove, Palm Coast · No CDD
Marina Cove · Palm Coast, FL 32137 · Flagler
Listing data updated September 12, 2026 · refreshed twice daily
3Bedrooms
2.5Bathrooms
1,875Sq Ft
1989Year Built
$255Per Sq Ft
Waterfront2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$255 here vs $255 median sold (12 mo)
Buyer leverage
Balanced market
201 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~10 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 12, 2026, 25 Marina Point Place in Marina Cove, Palm Coast is listed at $477,900 (1,875 sq ft, about $255 per sq ft). That sits within a few percent of Marina Cove's median closed sale of $477,900 over the last 12 months (2 recorded sales). It has been 201 days on market. Listing facts: built in 1989, waterfront, HOA dues of $1,095/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1989 · 37 yrs
1,875 sq ft of living area
2-car garage
201 days on market
HOA $1,095/mo (per listing)
Property timeline
This home’s history
1989BuiltPer public record
Jul 2, 2026First trackedObserved at $481,400
Aug 4, 2026Price cut$477,900
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$4,245/mo
Principal & interest $2,482/mo58%
Taxes $418/mo10%
Insurance $249/mo6%
HOA $1,095/mo26%
$4,245/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Estimated from today’s asking price and current Flagler County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $5,100/yr ($425/mo)
+$1,175 more each year
(+23%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), Daytona Beach Area AR. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
56/100
Strongest on: Flood safety (90), Insurance cost (61)
0 limited50100 exceptional
56/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area50
This home $255/sq ft vs the community 12-month median $255/sq ft.
Affordability50
List price $477,900 vs the community median $477,900. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~10 ft elevation. Verify the parcel with FEMA.
Insurance cost61
From FEMA Zone X and a 1989 build. Obtain a property-specific quote.
Market liquidity44
Community inventory, ~6.0 months of supply (12-month record).
Renovation upside42
From a 1989 build and $255/sq ft vs the community median $255/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $255 per square foot, about in line with the community’s $255 median. Marina Cove’s 12-month median sold price per square foot is $255. Confidence: Low · 2 closed sales in 12 monthsMLS facts: DBAAR closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 1 active listings in Marina Cove, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
PRICE ADJUSTMENT!! NOW OFFERED AT $477,900!! A boater's dream awaits in Marina Cove!
Imagine waking up every morning surrounded by the sights and sounds of the marina--watching boats come and go, dolphins and gentle manatees glide by, and enjoying breathtaking waterfront views right from your own home. This is more than a home... it's a waterfront lifestyle.
Boat slip available directly in front of the home! With just one short left turn and no fixed bridges, you'll be cruising the Intracoastal Waterway in minutes, making this the perfect retreat for boating enthusiasts. This virtually staged 3-bedroom, 2.5-bath townhome offers over 1,800 square feet of thoughtfully designed living space.
The highly sought-after first-floor primary suite features an updated ensuite bath and a custom walk-in closet. The beautifully updated kitchen boasts quartz countertops, white cabinetry with pull-out shelving, a spacious pantry, and an open dining area large enough for family and friends to gather Continue - after a day on the water. The bright, open living room flows effortlessly to the enclosed waterfront patio, where you can relax with your morning coffee or evening drink while taking in the peaceful marina views.
Upstairs offers a versatile loft, two additional bedrooms, a full bath, and an open overlook to the living area below. A rare detached two-car garage provides exceptional storage for your vehicles, golf cart, beach gear, or boating equipment, while the brand-new HVAC (May 2026) offers added peace of mind. Marina Cove residents enjoy resort-style amenities, including a community pool, clubhouse, tennis and pickleball courts, a car and boat wash area, scenic walking paths along the Intracoastal Waterway, and a beautiful waterfront gazebo--all with water service included in the HOA.
Whether you're an avid boater, a nature lover, or simply dreaming of peaceful waterfront living, Marina Cove offers a lifestyle that's hard to find. Spend your days on the water, your evenings watching the boats drift by, and enjoy the unforgettable beauty of Florida's Intracoastal right outside your door.
Description provided by Adams, Cameron & Co., Realtors and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$477,900
Bed / bath3 / 2.5
Living area1,875 sq ft
Year built1989
Property typeTownhouse
Garage2-car
MLS #1223344
Listing status201 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~10 ft
Windstorm exposureModerate
CountyFlagler
Area listings1 active · 0 under contract
Estimated first-year tax~$5,018/yr
CDD assessmentNone on record
HOA (per listing)$1,095/mo
Calculated estimates
Price per sq ft$255
Estimated monthly payment$4,245
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$477,900
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$420,000the mess$536,250
Actual list price: $477,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1989 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $1,095/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing
≈6.0 months of supply
2 closed here in the last 12 months
For reference, this home is listed at $477,900 ($255/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,875 sq ft × $224–$286/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Keep looking
Similar homes for sale near Marina Cove
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $477,900Momentum Realty · on market 201 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$5,018/yr
A rough first-year estimate only, applying a typical Flagler rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$1,095/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~10 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 25 Marina Point Place?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Marina Cove neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$477,900
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$255
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Marina Cove
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
Flagler County advances 35 million dollar beach renourishment
Flagler County is working to award a contract for a roughly 35 million dollar beach renourishment project covering about 5.5 miles of northern county shoreline from Flagler Beach to Varn Park. The project, largely funded by state and FEMA grants, faces a tight deadline with some property easements still unsigned, and a final decision was scheduled for the August 3, 2026 commission meeting.
Why it matters: A large beach renourishment effort would rebuild eroded shoreline and dune systems and help protect the coastal stretch of State Road A1A, supporting the stability of oceanfront property and public beach access. The project is about 6 miles southeast of Marina Cove, elsewhere in Flagler County.
Planning board recommends denial of 21,920 home western expansion
The Palm Coast Planning Board voted 5 to 0 on July 15, 2026 to recommend denial of future land use and zoning map amendments for the Radiant Palm Coast westward expansion, which proposes up to about 21,920 homes across roughly 20,144 acres. Board members said they wanted more detail and coordination with the county and school district, and the City Council will make the final decision.
Why it matters: A planning board recommendation to deny land use and zoning changes keeps a very large western residential expansion on hold, leaving the affected land west of the city in its current designation pending further review and a City Council decision. The project is about 8 miles west of Marina Cove, elsewhere in Flagler County.
Flagler County adopts one year data center moratorium
Flagler County commissioners unanimously adopted a one year moratorium on new data center siting in unincorporated areas at their July 13, 2026 meeting. Officials said the pause allows staff to develop zoning and land use standards for the emerging industry.
Why it matters: A one year pause on new data center siting in unincorporated areas holds large industrial land uses in place while the county drafts zoning and land use standards, keeping the current pattern of available industrial and commercial land unchanged for now. The project is about 9 miles southwest of Marina Cove, elsewhere in Flagler County.
The Palm Coast Planning Board approved two commercial projects on June 22, 2026. One is an 82,000 square foot warehouse and manufacturing development on Commerce Boulevard where manufacturer Alleima would occupy one building, and the other is a 62,000 square foot medical office complex with 43 suites on Palm Harbor Parkway.
Why it matters: Two approved commercial projects, a warehouse and manufacturing building plus a medical office complex, would expand the commercial and industrial building inventory and add finished space along Commerce Boulevard and Palm Harbor Parkway. The site is less than a mile northwest of Marina Cove.
Schools currently assigned to this address in Flagler County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Flagler County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,190 – $3,186/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate1.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$2,119 – −$1,222At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 25 Marina Point Place, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1989 (37 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $1,095/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Flagler County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 1,875 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $5,018/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Palm Coast
Groceries, dining, and parks for this city — see the city guide.
DBAAR, refreshed twice daily (last: September 12, 2026)
Community market stats
DBAAR closed sales, as of September 3, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of DBAAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 25 Marina Point Place and when was it built?
Per the listing record, 25 Marina Point Place was built in 1989 and has 1,875 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 25 Marina Point Place in?
25 Marina Point Place is in Marina Cove in Palm Coast, Flagler County. The community section on this page shows recent closed sales, days on market, and active inventory for Marina Cove from the same MLS data.
Does 25 Marina Point Place have an HOA, and how much are the dues?
The listing reports HOA dues of $1,095 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 25 Marina Point Place differ from the current owner's?
The estimate on this page (about $5,018 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 25 Marina Point Place in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 25 Marina Point Place in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
