Golf Course Communities in Flagler County, FL

Looking for golf course communities in Flagler County, FL? Momentum Realty tracks 6 Flagler County communities with evidence of golf community living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.

Flagler County golf course communities at a glance

Communities tracked

$752,000

Median sale price

273 days

Median days on market

123

Recent closings

The communities, by recent sales activity

Community	City	Median price	1-yr change	Days on mkt
Plantation Bay · agent	Bunnell	$754,000	+13.0%	131 d
Grand Haven · agent	Palm Coast	$484,000	-19.0%	71 d
Grand Reserve · agent	Bunnell	$302,000	-2.0%	–
Hammock Dunes · agent	Palm Coast	$750,000	–	121 d
Ocean Hammock · agent	Palm Coast	$1.62M	-10.0%	921 d
The Conservatory at Hammock Beach · agent	Palm Coast	$806,000	+2.0%	121 d

Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.

Membership, fees and what “golf community” actually means

Golf communities range from public-course neighborhoods with no obligations to bundled-golf communities where equity membership is mandatory and priced into every sale. Before you offer, get the fee stack in writing: HOA dues, club or membership minimums, food-and-beverage minimums, cart fees, and any CDD assessment on the tax bill. Ask whether membership is mandatory, optional, or waitlisted, and what the initiation fee runs. A bundled-golf bargain can stop being a bargain once the full stack is on paper.

Resale considerations in golf communities

Course health matters to resale: a closed or struggling course next to your lot changes the value story. Ask how the course is funded, whether the club is member-owned or developer-owned, and whether any redevelopment litigation exists. Homes on the course trade at premiums that vary hole by hole — comps from the same street matter more here than anywhere.

What it costs to own here

At Flagler County’s typical combined millage of 14.65 mills, a purchase at $752,000 (the median across these golf course communities) generates roughly $11,015 a year in property tax before exemptions — about $918 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Flagler County average about $1,626 a year ($136 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Flagler County near $2,133 (principal and interest on the typical home, tax, and insurance).

Run your exact numbers: the property tax after purchase calculator uses Flagler County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.

Demand and supply in Flagler County right now

In the most recent IRS migration data (2022-2023), Flagler County gained a net 4,355 people to relocation, with the largest inbound flows from NY, NJ, CT. Households moving IN reported average incomes of $91,988 versus $62,225 for those leaving — the income mix of demand, straight from tax filings. Population is up about 13.6% over the recent multi-year window. On the supply side, builders pulled 2,586 residential permits in Flagler County in 2025 (1,950 single-family), down 0.1% year over year — against 3,238 at the 2022 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as undervalued by about 2.3% versus its income-and-rent fundamentals.

The Flagler County market, in context

Flagler County is Palm Coast — one of Florida's newest cities, a planned 1970s ITT development of canals and trails between St. Augustine and Daytona that has become a fast-growing, affordable coastal county with an A-rated school district and a quiet beach-town pace at Flagler Beach.

The economy behind the market: {'drivers': 'healthcare, education, retail and construction, and government', 'summary': "Flagler's economy is led by the school district (the county's largest employer) and healthcare (AdventHealth Palm Coast), with retail, construction, and government rounding out a market still heavily oriented toward retirees and Daytona-and-St. Augustine commuters. Tourism along Flagler Beach and the growing Town Center add to the base.", 'employers': ['Flagler Schools', 'AdventHealth Palm Coast', 'Flagler County government', 'City of Palm Coast', 'Publix', 'Palm Coast Town Center retail'], 'jobNote': "Flagler Schools is the county's largest employer; Palm Coast, incorporated in 1999, is one of Florida's newest and fastest-growing cities."}

What could change it: Flagler's risks are coastal hurricane and flood exposure on Flagler Beach and the barrier 'Hammock' (Hurricanes Matthew and Irma eroded the beachfront and A1A), rising coastal insurance, and the growing pains of a fast-expanding planned city. Inland Palm Coast carries lower surge risk, and insurance runs below the immediate oceanfront.

Near-term outlook: Expect Flagler to keep drawing affordability-focused retirees and commuters over the next 12 months, with new construction in Palm Coast keeping buyers in a good position and the beach and Hammock high end the most premium — coastal insurance the main brake.

Run the numbers in Flagler County

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Common questions

How many golf course communities does Flagler County, FL have?

Momentum Realty currently tracks 6 communities in Flagler County with evidence of golf community living in MLS or verified amenity records. Others exist; these are the ones with active market data.

What do homes in Flagler County golf course communities cost?

The median sale price across tracked golf course communities in Flagler County is about $752,000, and it varies widely by community. Use the table above for community-level medians.

How does Momentum classify a community as one of the golf course communities?

A community appears here when we find golf amenities reported on MLS listings or verified amenity records for the community. We do not guess from names alone. Verify any specific amenity or restriction with the association before you rely on it.

Can Momentum connect me with an agent for these communities?

Yes. Momentum serves Flagler County and matches you with an agent who works these specific communities. Matching is free and no-obligation.

How much is home insurance in Flagler County?

Citizens Property Insurance policies in Flagler County average about $1,626 a year, per Citizens filings. Private quotes vary widely with roof age, construction and wind mitigation - a wind-mitigation inspection often unlocks meaningful credits.

What are property taxes like in Flagler County?

Typical combined millage in Flagler County is about 14.65 mills - roughly 1.46% of assessed value a year before exemptions. Florida resets assessed value to about your purchase price when you buy, then homestead exemptions and the 3% Save Our Homes cap apply.

Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.