3 COCHRAN LANE, PALM COAST, FL, 32137
Active2 days on marketListed Jul 26, 2026MLS #FC320020
About this home
3 COCHRAN LANE
Experience the best of Florida waterfront living in this beautifully maintained 4BD, 2BA Palm Harbor home situated on a large corner saltwater canal with easy access for boating, fishing, kayaking, or simply enjoying the water views. From the moment you enter, you’ll appreciate the spacious and inviting floor plan designed for both everyday living and entertaining. The home features elegant formal living and dining rooms, perfect for hosting holidays and special gatherings. The open eat-in kitchen overlooks the comfortable family room, complete with custom built-in shelving, creating the ideal space for family and friends to gather. The desirable split-bedroom layout offers privacy for everyone. The spacious primary suite is a true retreat featuring private access to the lanai, a generous walk-in closet, and a luxurious en-suite bath with dual vanities, a relaxing garden tub, separate walk-in shower, and private water closet. Three additional bedrooms provide flexibility for family, guests, or a home office. Step outside to your private backyard oasis. The oversized screened lanai with a sparkling pool overlooking the expansive saltwater canal, providing the perfect setting for morning coffee, outdoor dining, or watching spectacular Florida sunsets. The waterfront setting offers endless opportunities to enjoy the coastal lifestyle right from your own backyard. Additional highlights include an abundance of natural light, generous living spaces, and a layout that flows effortlessly from indoors to outdoors. Whether you’re looking for a full-time residence, seasonal retreat, or waterfront investment, this home offers exceptional value and an unbeatable lifestyle. Conveniently located near beautiful beaches, golf courses, parks, walking and biking trails, shopping, dining, medical facilities, and major highways, you’ll enjoy the perfect combination of tranquility and accessibility. Don’t miss this opportunity to own a slice of paradise on one of Palm Harbor’s desirable saltwater canals. Schedule your private showing today and discover why this exceptional waterfront home is the perfect place to call home. New roof 2025. Furnishing negotiable.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,165
Sqft
0.48 ac
Lot size
2
Garage
2006
Year built
One
Levels
$341
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.
$5,228 /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
$5,228/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.
vs edgeAI estimate
+11.1%
$/sqft vs PALM COAST SEC 16
$341 vs $327
Days on market
2 vs 47 typical
Where $341/sqft sits among the 8 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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
4 of 8
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 94% 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 3 COCHRAN LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$350,000
94 COVINGTON LANE · same community
4 bd · 2 ba · 2,149 sqft · $163/sqft · 14 DOM
Sold · Oct ’25$479,500
12 CLEMENT COURT · same community
3 bd · 2 ba · 2,108 sqft · $227/sqft · 16 DOM
Sold · Aug ’25$700,000
15 COLLINSON COURT · same community
3 bd · 2.5 ba · 2,077 sqft · $337/sqft · 21 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
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3 COCHRAN LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3 COCHRAN LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
3 COCHRAN LANE FAQs
What would the monthly payment be for 3 COCHRAN LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,228/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 3 COCHRAN LANE?+
The most recent tax bill on record (2025) was $9,682. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3 COCHRAN LANE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $738,300, this home is listed about 87% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3 COCHRAN 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
Four things that matter here
01Positioned at the premium end
$738,300 runs 94% 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.
03Fresh on the market
Only 2 days on market in a Palm Coast market that averages 47 — if it fits, move quickly.
04Strong 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 TAVOLACCI REALTY · Denise Gallo. MLS #FC320020.
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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