Single Family Residence in Cypress Knoll, Palm Coast · No CDD
Cypress Knoll · Palm Coast, FL 32164 · Flagler
Listing data updated July 23, 2026 · refreshed twice daily
4Bedrooms
4Bathrooms
2,695Sq Ft
2001Year Built
$156Per Sq Ft
3-car garageNo CDDFEMA Zone X4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
29% below
$/sq ft vs community
$156 here vs $221 median sold (12 mo)
Buyer leverage
Seller-leaning
22 days on market
4.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~28 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 5 of 12
Price vs recent sales
Asking $420k tops 5 of the last 12 closed sales; also one of the largest homes here at 2,695 sq ft
Listed at $419,900 — recent neighborhood median sale price ~$452,500 (nearby sales; deemed reliable, not an appraisal)
22 days on market
HOA ~$50/mo (estimate; confirm)
Golf course communitySchool district: Schools Flagler County SchoolsCommunity built 1989–2026Dim Sum Express · 6 min driveWinn Dixie · 7 min driveCity Market Place · 7 min drive
Momentum Research · Cypress Knoll
Pricing & the Cypress Knoll market
How this home is priced against recent nearby sales, and where Cypress Knoll 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.
Price vs. size in Cypress Knoll
Each dot is a closed sale since 2001 (226 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $156/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 50 (normal).
Property timeline
This home’s history
2001BuiltPer public record
Jul 2, 2026First trackedObserved at $419,900
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$2,729/mo
Principal & interest $2,128/mo78%
Taxes $367/mo13%
Insurance $184/mo7%
HOA $50/mo2%
$2,729/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Strongest on: Price vs area (100), Flood safety (95)
0 limited50100 exceptional
64/100 is solid, mid-pack 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 area100
This home $156/sq ft vs the community 12-month median $221/sq ft.
Affordability62
List price $419,900 vs the community median $452,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~28 ft elevation. Verify the parcel with FEMA.
Insurance cost70
From FEMA Zone X and a 2001 build. Obtain a property-specific quote.
Market liquidity31
Community median 106 days on market, ~4.9 months of supply (12-month record).
Renovation upside48
From a 2001 build and $156/sq ft vs the community median $221/sq ft. Not a condition assessment.
Buyer competition59
41% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power65
Recent sales closed at about 95.0% of original asking (~5.0% below). More room below asking generally favors buyers.
Market timing50
Momentum Market Heat is 50/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $156 per square foot, about 29% below the community’s $221 median. Cypress Knoll’s 12-month median sold price per square foot is $221. Median sold price per square foot is down 1.5% year over year. Confidence: Medium · 18 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
72% of homes in Cypress Knoll are owner-occupied. An estimated 28% are non-owner-occupied, including 4% held in a company or trust and 13% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 1577 homes matched. Community-level context.
Recent Cypress Knoll sales closed near 95.0% of original asking. Cash paid for about 41% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending July 14, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: a golf-course community, one of only 7 active listings in Cypress Knoll, no CDD assessment.
Updated July 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Opportunities like this are hard to find. Offered for sale as a complete duplex, this property features two spacious units, private fenced yards, separate garages, and endless possibilities for investors, owner-occupants, or multigenerational living. Live in one side and collect rental income from the other, add a strong asset to your portfolio, or keep both units as income-producing rentals.
Unit A offers 1,207 square feet with 2 bedrooms, 2 bathrooms, a one-car garage, and an open, comfortable floor plan. The kitchen flows into the dining area and expansive living room with volume ceilings, creating a bright and airy space. The primary suite includes a private ensuite bath, while the guest bedroom is conveniently positioned near a full bathroom and indoor laundry area.
Outside, enjoy a screened porch overlooking the fully fenced backyard. Unit A is currently leased through July 31, 2026, providing immediate income from day one. Unit B offers 1,488 square feet with 2 bedrooms, 2 bathrooms, a two-car garage, and a split-bedroom layout designed for privacy.
The spacious primary suite features a large ensuite bathroom, while the guest bedroom is located near a second full bath. Volume ceilings enhance the open-concept living, dining, and kitchen areas, creating a welcoming space for everyday living and entertaining. What truly sets this unit apart are the two additional flex spaces, giving you room for a home office, gym, craft room, playroom, media room, or whatever fits your lifestyle.
A Florida room overlooks the private fenced backyard, adding even more usable living space. With strong income potential, desirable floor plans, private outdoor spaces, and the flexibility to live, rent, or do both, this duplex offers the kind of versatility that's increasingly difficult to find in today's market. All information taken from the tax record, and while deemed reliable, cannot be guaranteed.
Description provided by Simply Real Estate and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
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$419,900
Bed / bath4 / 4
Living area2,695 sq ft
Year built2001
Property typeSingle Family Residence
Garage3-car
MLS #1227803
Listing status22 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~28 ft
Windstorm exposureModerate
CountyFlagler
Area listings7 active · 3 under contract
Estimated first-year tax~$4,409/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$156
Estimated monthly payment$2,729
Insurance (illustrative)$2k–$3k/yr
Messtimate range$568,645 – $625,240
Comparable-sales median$452,500
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
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$568,645the mess$625,240
Actual list price: $419,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 10% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 22 days on market vs. a 106-day community median
7 active listings competing, 3 under contract
≈4.9 months of supply
17 closed here in the last 12 months
For reference, this home is listed at $419,900 ($156/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review 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. That's the difference between a Messtimate and a valuation.
Methodology: 2,695 sq ft × $211–$232/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 23, 2026.
Keep looking
Similar homes for sale near Cypress Knoll
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.
Listed for $419,900Momentum Realty · on market 22 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
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.
Property tax (first-year est.)
~$4,409/yr
A rough first-year estimate only, applying a typical Flagler rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$3k/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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~28 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in Cypress Knoll
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Cypress Knoll neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$452,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$221
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Cypress Knoll
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Development
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.
Why it matters: New 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 north of Cypress Knoll.
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.
Why it matters: A 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 6 miles north of Cypress Knoll.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Winn Dixie 7 min
Dining
Dim Sum Express 6 min
Shopping
City Market Place 7 min
Parks
Palm Coast Aquatics Center 8 min
Assigned schools
Assigned schools
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.
GRADEB
BunnellAssigned elementary school · Flagler County School District · Grade B (Florida DOE 2025-26)
GRADEA
Buddy TaylorAssigned middle school · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEA
Flagler Palm CoastAssigned high school · Flagler County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold May 2026
$624,900
1 Essex Place, Palm Coast
4 / 3 bd/ba · 2,693 sq ft · $232/sq ft
Courtesy of Coldwell Banker Premier Properties · View details →
Sold Jan 2026
$455,000
19 Ehrling Lane, Palm Coast
4 / 3 bd/ba · 2,780 sq ft · $164/sq ft
Courtesy of Parkside Realty Group · View details →
Sold Mar 2026
$641,702
73 Ebb Tide Drive, Palm Coast
4 / 3 bd/ba · 2,430 sq ft · $264/sq ft
Courtesy of Signature Homes Realty Group · View details →
Sold Jun 2026
$628,000
26 Ethel Lane, Palm Coast
4 / 3 bd/ba · 2,974 sq ft · $211/sq ft
Courtesy of Coldwell Banker Premier Properties · View details →
Sold May 2026
$526,500
34 Ethan Allen Drive, Palm Coast
4 / 3 bd/ba · 2,393 sq ft · $220/sq ft
Courtesy of SeaGate Real Estate Inc. · View details →
Sold Jun 2026
$543,700
20 Essington Lane, Palm Coast
4 / 3 bd/ba · 2,376 sq ft · $229/sq ft
Courtesy of EAZ Realty LLC · View details →
Community 12-month median: $221/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,925 – $2,799/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$863 – −$77At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Palm Coast
Groceries, dining, and parks for this city — see the city guide.
realMLS, refreshed twice daily (last: July 23, 2026)
Community market stats
realMLS closed sales, as of July 14, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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 realMLS 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
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
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 12 Emmons Lane 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 a typical county millage rate to the list price 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 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.
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.
