Palm Harbor (F-Section) vs Plantation Bay
Two Flagler communities, compared on the numbers that decide it — price, pace, and supply — from live MLS data as of 2026-09-19.
| Metric | Palm Harbor (F-Section) | Plantation Bay |
|---|---|---|
| Median sale price | $410K | $815K |
| Price per sq ft | $230 | $324 |
| Avg days on market | 117 days | 138 days |
| Months of supply | 4.3 mo | 4.8 mo |
| Market | Buyer-Leaning Market | Buyer-Leaning Market |
| 1-year price change | -20% | +3% |
| Recent closings | 25 | 87 |
The verdict
Plantation Bay carries the higher median price — about 99% above Palm Harbor (F-Section). Homes in Palm Harbor (F-Section) sell faster (117 days on market vs 138). Palm Harbor (F-Section) is the tighter market on inventory (4.3 months of supply).
Where each one is
| Palm Harbor (F-Section) | Plantation Bay | |
|---|---|---|
| County | Flagler County, FL | Flagler County, FL |
| City / area | Palm Coast | Ormond Beach |
| ZIP | 32137 | 32174, 32176 |
| FEMA flood zones (sampled parcels) | all 20 sampled homes outside a flood zone | all 52 sampled homes outside a flood zone |
Distances are straight-line; driving distance is usually 15 to 30 percent more. Flood-zone shares come from FEMA flood maps matched to sampled parcels; always check the exact address before you close.
What is for sale today
| Palm Harbor (F-Section) | Plantation Bay | |
|---|---|---|
| Homes for sale now | 9 | 35 |
| Under contract | 0 | 10 |
| Asking prices today | $299K to $738K | $215K to $4.45M |
| Listed in the last 7 days | 0 | 8 |
| Property types listed | Condominium, Single Family Residence | Condominium, Single Family Residence, Townhouse |
Live MLS counts, refreshed with every listing pull. Browse them: Palm Harbor (F-Section) homes for sale · Plantation Bay homes for sale.
The homes themselves
| Palm Harbor (F-Section) | Plantation Bay | |
|---|---|---|
| Homes (parcels) | n/a | 966 |
| Built | n/a | 1986–2024 (median 2017) |
| Typical living area | n/a | 2,302 sq ft |
| Vacant lots | 0 | 74 |
Housing-stock figures from the Florida Department of Revenue 2025 assessment roll (public records).
Price history, year by year
| Year | Palm Harbor (F-Section) median | Plantation Bay median |
|---|---|---|
| 2012 | $175K (20 sales) | $217K (32 sales) |
| 2013 | $140K (33 sales) | $231K (66 sales) |
| 2014 | $162K (29 sales) | $280K (60 sales) |
| 2015 | $175K (34 sales) | $294K (74 sales) |
| 2016 | $234K (54 sales) | $309K (68 sales) |
| 2017 | $215K (53 sales) | $332K (92 sales) |
| 2018 | $256K (58 sales) | $376K (88 sales) |
| 2019 | $257K (53 sales) | $365K (83 sales) |
| 2020 | $300K (81 sales) | $297K (108 sales) |
| 2021 | $328K (54 sales) | $448K (164 sales) |
| 2022 | $415K (31 sales) | $580K (117 sales) |
| 2023 | $450K (37 sales) | $520K (83 sales) |
| 2024 | $405K (31 sales) | $602K (89 sales) |
| 2025 | $397K (28 sales) | $622K (84 sales) |
| 2026 | $483K (31 sales) | $585K (93 sales) |
Since 2012, Palm Harbor (F-Section)'s median sale price is +176% and Plantation Bay's is +170% — Palm Harbor (F-Section) has appreciated faster over that stretch.
How each one trades
| Palm Harbor (F-Section) | Plantation Bay | |
|---|---|---|
| Sale-to-original-list | 95.2% | 94.7% |
| New-construction share of sales | 13% | 13% |
| Typical sold home | 1,908 sq ft | 2,308 sq ft |
| Momentum market-heat score | 51 (normal) | 28 (cold) |
Last 12 months of recorded closings; sale-to-original-list is the share of the first asking price sellers actually got.
Schools the listings are zoned for
| Palm Harbor (F-Section) | Plantation Bay | |
|---|---|---|
| Elementary | Old Kings | Bunnell |
| Middle | Indian Trails | Buddy Taylor |
| High school | Matanzas | Flagler Palm Coast |
The school most often recorded on each community's MLS listings. Always confirm a specific address with the district.
Which one fits
On budget alone, Palm Harbor (F-Section) is the lower entry point (median $410K vs $815K). Sellers get a faster sale in Palm Harbor (F-Section) (117 days on market on average); buyers get more negotiating room where homes sit longer.
Neither number set decides it: drive both on a weekday evening, check the HOA documents and the flood zone for the exact street, and price the insurance before you write an offer. A Momentum agent who works both communities can pull the comparable sales for any two specific homes.
Questions people ask
Is Plantation Bay more expensive than Palm Harbor (F-Section)?
Yes, on recent sales: the median sale price in Plantation Bay is $815,000 versus $410,000 in Palm Harbor (F-Section), about 99% higher.
Which has appreciated more, Palm Harbor (F-Section) or Plantation Bay?
From 2012 to 2026 the median sale price rose 176% in Palm Harbor (F-Section) and 170% in Plantation Bay (recorded MLS closings by calendar year).
Where do sellers get closer to asking price?
Palm Harbor (F-Section) — sellers there received 95.2% of the original list price over the last 12 months versus 94.7% in Plantation Bay.
What high schools serve Palm Harbor (F-Section) and Plantation Bay?
Listings in Palm Harbor (F-Section) most often report Matanzas; listings in Plantation Bay report Flagler Palm Coast. Zoning is set by the district and can change - verify by address.
Go deeper on each: Palm Harbor (F-Section) homes, photos & schools · Plantation Bay homes, photos & schools
Figures are aggregates from realMLS / DBAAR, updated regularly. Thinking about either? Talk to Momentum Realty.