Single Family Residence in Armand Beach, Palm Coast · No CDD on record
Armand Beach · Palm Coast, FL 32137 · Flagler County
Listing data checked against the MLS October 30, 2026 at 10:55 PM ET · rechecked hourly
Listed by Worth Clark Realty (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
1,656Sq Ft
2001Year Built
$294Per Sq Ft
2-car garageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
4% below
$/sq ft vs community
$294 here vs $306 median sold (12 mo)
Buyer leverage
Strong buyer advantage
64 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~7 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
11 Sweet Bay Drive in Armand Beach, Palm Coast is listed at $487,000 (1,656 sq ft, about $294 per sq ft). It has been listed Aug 26, 2026. Listing facts: built in 2001, no HOA. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2001 · 25 yrs
1,656 sq ft of living area
2-car garage
Listed at $487,000 — recent neighborhood median sale price ~$543,750 (nearby sales; deemed reliable, not an appraisal)
listed Aug 26, 2026
No HOA reported by the listing (confirm)
School district: Setting Gated Armand Beach Estates section Highlights A1A Near Malacompra Park Schools Flagler County SchoolsRiver to Sea Preserve · 1 min driveRagga Surf Cafe · 1 min driveWORLD PLATE Market · 3 min drive
Listing description
About this home
NEGOTIABLE SELLER FINANCING • Near the Beach: Enjoy the Florida sun and sand drive your golf cart right to beach. • Unbeatable Location: Quick and easy access to boat launches, dining, and daily shopping. • Quiet & Private: Safe, peaceful living on a dead-end street.
• Seller Financing Available: Flexible options make it easier than ever to buy! • If you want everything Florida has to offer, this is it! Located right on the beach, 11 Sweet Bay is the coastal dream you have been waiting for.
This home gives you the best of both worlds. You are close to absolutely everything--the sandy beach, the local boat launch, great shopping, and tasty restaurants. Yet, when you come home, you get total peace and quiet.
Tucked away on a friendly dead-end street with zero through-traffic, this neighborhood is the perfect place to relax. Whatever you are looking for, you will find it right here.
All 43 photos
Description provided by Worth Clark Realty and reproduced from the MLS; not independently verified.
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$487,000
Bed / bath3 / 2
Living area1,656 sq ft
Year built2001
Property typeSingle Family Residence
Garage2-car
MLS #1230144
Listing statuslisted Aug 26, 2026
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~7 ft
CountyFlagler
Area listings1 active · 0 under contract
Estimated first-year tax~$6,400/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$294
Estimated monthly payment$3,423
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$543,750
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
Financing
Estimated monthly payment
$3,423/mo
Principal & interest $2,676/mo78%
Taxes $533/mo16%
Insurance $213/mo6%
$3,423/mo at 20% down, 30-yr @ 7.32% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Flagler County rate (14.65 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $5,775/yr ($481/mo) — taxable value $395,027 × 14.65 mills
$625 more each year
(+11%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$12,112
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$407,139
Market value
$395,027
Assessed
$395,027
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Daytona Beach Area AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 11 Sweet Bay Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $5,775/yr (certified county roll, taxable value × millage). Buy at the asking price of $487,000 and the first-year bill resets to about $6,400/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 14.65 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Flagler County is $1,626/yr (435 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,000–$3,500/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2001. An original roof would be about 25 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $669/month (tax $533, insurance $136). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
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 zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~7 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Flagler County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Flagler County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively Moderate
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Armand Beach
Pricing & the Armand Beach market
How this home is priced against recent nearby sales, and where Armand Beach has been over 25 years. Momentum Research analysis of DBAMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
2001BuiltPer public record
About Aug 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-08-26" data-fmt="dom">listed Aug 26, 2026</span>)
Aug 27, 2026First seen on movewithmomentum.comObserved at $487,000
Sep 28, 2026Price cut$482,000 (-$5,000, -1.0%)
Oct 12, 2026Price cut$477,000 (-$5,000, -1.0%)
Oct 15, 2026Price cut$459,900 (-$17,100, -3.6%)
Oct 27, 2026Price increase$482,000 (+$22,100, +4.8%)
Oct 28, 2026Price increase$487,000 (+$5,000, +1.0%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Transparency
Price & listing history
Listed for $487,000Momentum Realty · listed Aug 26, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
4 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Aug 2026
$567,500
6 Crossleaf Court #E, Palm Coast
3 / 2 bd/ba · 1,635 sq ft · $347/sq ft
Courtesy of Take Action Properties LLC · View details →
Sold Aug 2026
$580,000
15 Crandon Court, Palm Coast
3 / 2 bd/ba · 1,773 sq ft · $327/sq ft
Courtesy of RE/MAX Select Professionals · View details →
Sold Mar 2026
$520,000
14 Dogwood Terrace, Palm Coast
3 / 2 bd/ba · 1,834 sq ft · $284/sq ft
Courtesy of Parkside Realty Group · View details →
Sold Mar 2026
$520,000
14 Dogwood Terrace, Palm Coast
3 / 2 bd/ba · 1,834 sq ft · $284/sq ft
Courtesy of Parkside Realty Group · View details →
Median of these 4 sales: $543,750 ($306/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$458,800the mess$507,100
Directional estimate — built from 4 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,828 recent closed sales we scored, the closed price landed inside the Messtimate range 56% of the time; median miss 9.5% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-29.
Actual list price: $487,000 ($294/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 11% spread on the same house — here is what a model can't see:
Condition & updates — a 2001 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
2 active listings competing
≈12.0 months of supply
1 closed here in the last 12 months
Want a property-specific value 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.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (4); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 29, 2026.
Momentum Scores
Momentum Property Score
48/100
Strongest on: Affordability (67), Price vs area (60)
0 limited50100 exceptional
48/100 is below average 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 area60
This home $294/sq ft vs the community 12-month median $306/sq ft.
Affordability67
List price $487,000 vs the community median $543,750. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~7 ft elevation. Verify the parcel with FEMA.
Insurance cost34
From FEMA Zone AE and a 2001 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~12.0 months of supply (12-month record).
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $294 per square foot, about 4% below the community’s $306 median. Armand Beach’s 12-month median sold price per square foot is $306. MLS 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 Armand Beach, no CDD assessment.
Checked against the MLS October 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Worth Clark Realty · MLS # 1230144
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Keep looking
Similar homes for sale near Armand Beach
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Development
Palm Coast council advances Magnolia Trace plan for 624 homes on about 1,000 acres
The Palm Coast City Council approved on first reading, 4-1, an amendment converting the former Oare continuing-care village off Belle Terre Boulevard near U.S. 1 into the Magnolia Trace Master Planned Development. The plan calls for 624 units, including single-family homes, townhouses and up to 150 apartments, and 71% of the acreage is already in conservation. A second reading is still required, and Greenpoint Holdings is under contract to buy the land.
Why it matters: Adds a large block of for-sale and rental housing supply along the Belle Terre corridor, if final approval is granted. The site is about 7 miles south of Armand Beach.
Palm Coast holds ceremonial opening of new Fire Station 22
The new station at the southeast corner of Palm Coast Parkway and Colbert Lane replaces the 1977 station and responds to about 18,700 calls a year. Funding of about $12.2 million came from the general fund, fire impact fees and American Rescue Plan money after a $5 million state appropriation was vetoed. The old station is slated to become a visitor center, though funding is not yet identified.
Why it matters: Adds modernized emergency response capacity along the Palm Coast Parkway corridor. The project is about 6 miles south of Armand Beach, elsewhere in Flagler County.
Promenade at Town Center in Palm Coast signs six tenants and opens apartment leasing
The six-building mixed-use project has signed six leases, including 6th Street Deli, Fleet Feet and AdventHealth Sports Rehab, and has begun leasing 204 apartments. It includes roughly 40,000 square feet of retail and 25,000 square feet of medical and office space. Half the buildings remain under construction and no opening date has been set.
Why it matters: Adds near-term retail, medical office and rental apartment options in the Town Center area. The site is about 5 miles south of Armand Beach.
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 about 3 miles south of Armand Beach.
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.
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.
Items worth confirming for 11 Sweet Bay Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2001 (25 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
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.
Listed living area is 1,656 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 $6,400/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $625 more per year than the current owner’s estimated bill (+11%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
DBAAR, checked against the MLS hourly (last: October 30, 2026)
Comparable sales
DBAAR closed sales within about 3 miles, last 18 months, as of August 10, 2026
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
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 11 Sweet Bay Drive and when was it built?
Per the listing record, 11 Sweet Bay Drive was built in 2001 and has 1,656 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 11 Sweet Bay Drive in?
11 Sweet Bay Drive is in Armand Beach in Palm Coast, Flagler County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 11 Sweet Bay Drive have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 11 Sweet Bay Drive differ from the current owner's?
The estimate on this page (about $6,400 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $625 more per year than the current owner’s estimated bill (+11%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 11 Sweet Bay Drive in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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 11 Sweet Bay Drive 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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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 jon@movewithmomentum.com 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.
