Belle Terre
Homes for Sale in Palm Coast, FL
All 114 homes for sale in Palm Coast, FL · median $399,400 · 490 homes for sale in 32164 · Flagler County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Over the 12 months ending 2026-09-15, 12 recorded sales closed at a median of $419,500, $183 per square foot, a median 30 days on market, sellers accepting 98% of original asking (+29% versus the prior year). At the median price and Flagler County's FY2025-26 rate of 14.65 mills, annual property tax runs about $6,140 ($5,570 with the full homestead exemption).
Belle Terre is one of Palm Coast's established neighborhoods, and that maturity shows in both inventory diversity and buyer expectations. Without active listings to analyze, we're working from historic context: prices here are set by lot position, condition updates, and whether a home has been renovated or left original. The spread between move-in ready and deferred-maintenance properties can be substantial.
For buyers, Belle Terre offers a known quantity in a city that has grown considerably around it. For sellers, staging and condition matter more here than in newer sections of Palm Coast—presentation drives the premium. If you're considering this neighborhood, walk the block and compare what's been updated versus what hasn't; that's your pricing guide.
Belle Terre right now
🟢 Still climbing. The trailing-12-month median ($420K) is up 29.1% from the prior 12 months ($325K). With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending September 15. Confidence: Medium (12 and 11 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 2, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside Belle Terre right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Belle Terre market snapshot (as of September 15, 2026): the median sale price is about $420K ($183 per sq ft over the trailing 12 months of closed sales), and a median 30 days on market for closed sales. The trailing-12-month median is up 29% from the prior 12 months, computed from record-level realMLS closed sales (12 closings in the current window).
In ZIP 32164 (Palm Coast), 134 homes closed in the last 12 months at a median of $362K ($199/sq ft), up 1.7% year over year, with a median 96 days on market. Right now 20 active and 8 pending listings put supply at about 3.7 months — a balanced market. See the live ZIP 32164 housing market and the Flagler County market.
County records show 246 qualified sales in Belle Terre across 2024–2025 (167 in 2024, 79 in 2025), median $325,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Belle Terre is a community of 2,572 homes in Palm Coast, Flagler County, built between 1978 and 2024 (median 2004.0), with a median living area of about 1,820 square feet. 56% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Belle Terre is an established Palm Coast neighborhood where condition and updates drive value more than master planning or resort amenities.
Who Belle Terre is best for.
Best for
- Buyers prioritizing location and budget over bundled amenities, comfortable evaluating older homes
- Investors or renovators looking for spread between as-is and updated values
- Buyers seeking lower monthly overhead in an established Palm Coast setting
Probably not for
- Buyers expecting resort pools, fitness centers, or a cohesive master-planned aesthetic
- First-time buyers without cash reserves for deferred maintenance or systems replacements
- Anyone who values uniform curb appeal and prefers neighborhoods with active architectural standards
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 15 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($420K) IS the median in the snapshot above, and the move from 2025 ($325K) IS the +29.1% one-year change.
Windows contain 0 to 15 sales each (12 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Flagler County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Flagler County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
23% of homes for sale in ZIP 32164 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-12).
How far is everything?
Everyday stops around Belle Terre are close: the nearest groceries is about 6 minutes away.
- DG Market · Groceries6 min
- Napoli Pizza Palm Coast · Dining6 min
- AdventHealth Palm Coast Parkway Hospital · Health7 min
- The Jacked Up Bean · Coffee7 min
- City Market Place · Shopping8 min
- Palm Coast Aquatics Center · Parks9 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Nearby Communities
Explore more neighborhoods near Belle Terre with Momentum Realty’s local guides.
Schools
- Flagler County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Rymfire Elementary SchoolFLDOE grade B · Public K-5, zoned (verify by address at flaglerschools.com/school-zones)
- Indian Trails Middle SchoolFLDOE grade A · Public 6-8, zoned (verify by address at flaglerschools.com/school-zones)
- Flagler-Palm Coast High SchoolFLDOE grade A · Public 9-12, zoned
- Imagine Schools Town Center · Public Charter K-12, nearby
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Flagler County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Belle Terre address.
Recent Developments in Belle Terre
Development, infrastructure, retail, and school activity affecting Belle Terre, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated August 2026.
- July 2026Development
Palm Coast OKs land sale for 36 bed rehabilitation hospital
The Palm Coast City Council, acting as the State Road 100 redevelopment agency board, approved the sale of about 8.5 acres of city owned land to Sanders Trust LLC on July 21, 2026 for a proposed 36 bed inpatient rehabilitation hospital. ClearSky Health would operate the roughly 31 million dollar facility, which must still go through standard development review and permitting before construction.
What it may mean for the marketA new inpatient rehabilitation hospital planned on former city land would add a healthcare facility along the State Road 100 commercial corridor and put an underused parcel into active use, expanding the institutional and commercial building stock. The project is about 6 miles south of Belle Terre, elsewhere in Flagler County.
Source: WFTV - July 2026Infrastructure
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.
What it may mean for the marketA 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 east of Belle Terre, elsewhere in Flagler County.
Source: ClickOrlando - July 2026Civic
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.
What it may mean for the marketA 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 site is about 5 miles southwest of Belle Terre.
Source: Flagler County Buzz - June 2026Development
Palm Coast approves an 82,000-square-foot warehouse complex where Alleima will expand
Palm Coast approved a two-building, 82,000-square-foot warehouse complex on 7.5 acres at 5 Commerce Boulevard in June 2026. Manufacturer Alleima will occupy one building and add 30 to 50 employees, with the second building marketed to other industrial tenants.
What it may mean for the marketNew industrial space and manufacturing jobs in Palm Coast strengthen the local employment base, a factor that can support housing demand nearby. The site is about 2 miles southwest of Belle Terre.
Source: FlaglerLive - June 2026Development
Palm Coast approves a 62,000-square-foot medical office building on Palm Harbor Parkway
Palm Coast also approved a two-story, 62,000-square-foot medical office building with 43 suites at 1195 Palm Harbor Parkway in June 2026. The developers project about 120 jobs when the building is fully leased.
What it may mean for the marketA new medical office complex adds healthcare capacity and professional jobs in Palm Coast, an amenity and employment factor that can support nearby housing demand. The site is about 3 miles north of Belle Terre.
Source: FlaglerLive - June 2026Development
Palm Coast approves two commercial developments
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.
What it may mean for the marketTwo 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 about 4 miles north of Belle Terre.
Source: FlaglerLive
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Belle Terre buying strategy.
If we were buying in Belle Terre today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Belle Terre.
What sets Belle Terre apart in Palm Coast
Belle Terre sits within Palm Coast, a planned community in Flagler County that grew in waves over several decades. Unlike some of the city's newer master-planned sections with clubhouses and resort-style pools, Belle Terre offers a quieter, more traditional suburban layout. Homes here vary widely in size, style, and condition—you'll see CBS construction, a mix of one- and two-story layouts, and landscaping that ranges from established to overgrown.
Location within Palm Coast matters. Belle Terre is centrally positioned with access to the city's network of surface streets and proximity to retail along Palm Coast Parkway. The neighborhood is residential in character, without the bundled amenity packages that define some of the newer sections to the west. If you're drawn to Palm Coast for its relative affordability and access to the coast, BelleTre delivers that—but expect to rely on the broader city infrastructure rather than a private amenity set.
The market here reflects the neighborhood's age. Buyers looking for turnkey, updated interiors will compete for a smaller pool of renovated homes. Those willing to take on cosmetic or mechanical updates will find more inventory and negotiating room. The absence of HOA amenities means lower monthly costs, but it also means you're responsible for your own yard, and curb appeal varies block by block.
The location and the amenities are priced into every listing in Belle Terre. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Belle Terre buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (8.1). Basis: Recent Direction +29.1% year-over-year; Owner Commitment 56% owner-occupied; Pricing Power 97.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Belle Terre requires a broker who knows how to distinguish between a dated home with good bones and one with deferred systems that will cost you. Momentum Realty has deep experience in Palm Coast's older inventory—we'll walk the property with you, flag the expensive surprises, and help you understand what condition-based pricing looks like in this neighborhood. We also know which blocks hold value better and which updates actually move the needle at resale. If you're selling, we'll stage and price to compete with newer inventory across the city, because that's your real competition.
Belle Terre in 15 seconds.
HOA, CDD & Fees
- No CDD
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Page states no CDD.
Tools for a Belle Terre buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Belle Terre sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Belle Terre, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Belle Terre home worth?
Get a no-obligation home value based on real comparable sales in Belle Terre, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Palm Coast →
Price History: What Homes Here Have Actually Sold For
Median sale prices in Belle Terre Palm Coast year by year since 2012, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Frequently Asked Questions
What is the median home price in Belle Terre?
How long do homes in Belle Terre take to sell?
How many homes are in Belle Terre?
What share of Belle Terre is owner-occupied?
When were the homes in Belle Terre built?
What schools serve Belle Terre?
Who is the best real estate agent for Belle Terre?
How do I find a top Palm Coast real estate agent who knows Belle Terre?
Can Momentum Realty connect me with an agent for Belle Terre?
Where is Belle Terre, and what county is it in?
How far is Belle Terre from downtown Jacksonville and the beach?
Is Belle Terre a good place to live?
Should you buy in Belle Terre?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | realMLS closed sales, 12-month windows ending September 15, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (75 streets, ZIP 32137/32164)) |
| Under-contract shares | realMLS records, as of 2026-09-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2010 (113 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Belle Terre fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Belle Terre
- Home values · What homes in Belle Terre actually sell for