Single Family Residence in Palm Harbor, Palm Coast · No CDD on record
Palm Harbor · Palm Coast, FL 32137 · Flagler County
Listing data updated October 1, 2026 · refreshed hourly
3Bedrooms
2Bathrooms
1,630Sq Ft
2003Year Built
$184Per 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.
26% below
$/sq ft vs community
$184 here vs $250 median sold (12 mo)
Buyer leverage
Seller-leaning
19 days on market
4.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 12
Price vs recent sales
Asking $300k is at or below all 12 recent closed sales
As of October 1, 2026, 14 Fernmill Lane in Palm Harbor, Palm Coast is listed at $300,000 (1,630 sq ft, about $184 per sq ft). That is 38% below Palm Harbor's median closed sale of $483,000 over the last 12 months (31 recorded sales). Per square foot it is below the community's recent $250/sq ft by about 26%. It has been 19 days on market, well inside the community's typical 105 days. Listing facts: built in 2003, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2003 · 23 yrs
1,630 sq ft of living area
2-car garage
Listed at $300,000 — recent neighborhood median sale price ~$483,000 (nearby sales; deemed reliable, not an appraisal)
19 days on market
No HOA reported by the listing (confirm)
School district: Owner assets Golf City golf Palm Harbor GC nearby Schools Flagler County SchoolsCommunity built 1976–2026Millennium Grocery · 5 min driveOld Kings Commons · 5 min driveLa Creperie Kafe · 6 min drive
Listing description
About this home
Don't miss out on this lovely home in the heart of Palm Coast This charming 3-bedroom, 2-bathroom home offers relaxing, open-concept living with high ceilings creating a warm and inviting atmosphere. The modern kitchen, with ample cabinetry, is perfect for entertaining Includes all new appliances, Refrigerator, Microwave, Stove and dishwasher.. The primary suite is a tranquil escape, featuring views of a large backyard.
Recent upgrades, include a new roof AC Unit and hot water heater all in 2024, ensuring lasting comfort and peace of mind. A spacious 2-car garage provides plenty of storage. Close to shopping and schools 14 Fernmill Lane is a rare gem.
Schedule your private showing today and discover the best of Florida living!
All 30 photos
Description provided by EXP Realty LLC 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$300,000
Bed / bath3 / 2
Living area1,630 sq ft
Year built2003
Property typeSingle Family Residence
Garage2-car
MLS #1230673
Listing status19 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
CountyFlagler
Area listings8 active · 1 under contract
Estimated first-year tax~$3,650/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$184
Estimated monthly payment$2,033
Insurance (illustrative)$1k–$2k/yr
Messtimate range$365,120 – $565,610
Comparable-sales median$483,000
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
$2,033/mo
Principal & interest $1,602/mo79%
Taxes $304/mo15%
Insurance $127/mo6%
$2,033/mo at 20% down, 30-yr @ 7.03% · 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.
Current owner’s estimated bill $3,675/yr ($306/mo) — taxable value $250,314 × 14.65 mills
About the same each year
(−1%)
The estimate for a new owner and the current owner’s estimated bill are within a few percent of each other. Exemptions, portability and any change in millage will move the actual bill.
$250,314
Market value
$250,314
Assessed
$250,314
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.
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)
$1k–$2k/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 not verified for this address — check msc.fema.gov and confirm 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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
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 · Palm Harbor
Pricing & the Palm Harbor market
How this home is priced against recent nearby sales, and where Palm Harbor 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 Palm Harbor
Each dot is a closed sale since 2002 (768 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). DBAAR closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $184/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 51 (normal).
Property timeline
This home’s history
2003BuiltPer public record
About Sep 2026Listed (per MLS)MLS reports 19 cumulative days on market as of October 1, 2026
Sep 11, 2026First seen on movewithmomentum.comObserved at $300,000
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 $300,000Momentum Realty · on market 19 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Palm Harbor 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 May 2026
$365,000
62 Fort Caroline Lane, Palm Coast
3 / 2 bd/ba · 1,629 sq ft · $224/sq ft
Courtesy of 3 Dot Realty, LLC · View details →
Sold May 2026
$365,000
62 Fort Caroline Lane, Palm Coast
3 / 2 bd/ba · 1,629 sq ft · $224/sq ft
Courtesy of 3 Dot Realty, LLC · View details →
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
$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 Sep 2026
$385,000
49 Matanzas Cove Drive, Palm Coast
2 / 2 bd/ba · 1,645 sq ft · $234/sq ft
Courtesy of SeaGate Real Estate Inc. · View details →
Sold Sep 2026
$385,000
49 Matanzas Cove Drive, Palm Coast
2 / 2 bd/ba · 1,645 sq ft · $234/sq ft
Courtesy of SeaGate Real Estate Inc. · View details →
Median of these 6 sales: $483,000 ($250/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
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.
$365,120the mess$565,610
Stronger local evidence — 6 comparable closed sales in Palm Harbor, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $300,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 55% 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 — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
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: 19 days on market vs. a 105-day community median
9 active listings competing
≈4.0 months of supply
23 closed here in the last 12 months
For reference, this home is listed at $300,000 ($184/sq ft). The list price is the seller's asking price and is not derived from this range.
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: 1,630 sq ft × $224–$347/sq ft (interquartile band of 6 comparable closed sales in Palm Harbor, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Scores
Momentum Property Score
70/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
70/100 is strong 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 $184/sq ft vs the community 12-month median $250/sq ft.
Affordability100
List price $300,000 vs the community median $483,000. Not a measure of personal affordability.
Market liquidity36
Community median 105 days on market, ~4.0 months of supply (12-month record).
Pricing power64
Recent sales closed at about 95.2% of original asking (~4.8% below). More room below asking generally favors buyers.
Market timing49
Momentum Market Heat is 51/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
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 $184 per square foot, about 26% below the community’s $250 median. Palm Harbor’s 12-month median sold price per square foot is $250. Median sold price per square foot is up 21.5% year over year. Confidence: Very High · 31 closed sales in 12 monthsMLS facts: DBAAR closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Palm Harbor sales closed near 95.2% of original asking.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 DBAAR records, community-level, 12 months ending September 3, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 8 active listings in Palm Harbor, no CDD assessment.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by EXP Realty LLC · MLS # 1230673
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Keep looking
Similar homes for sale near Palm Harbor
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.
Jul 2026 · Infrastructure
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.
Why it matters: A 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 7 miles southeast of Palm Harbor, elsewhere in Flagler County.
Planning board recommends denial of 21,920 home western expansion
The Palm Coast Planning Board voted 5 to 0 on July 15, 2026 to recommend denial of future land use and zoning map amendments for the Radiant Palm Coast westward expansion, which proposes up to about 21,920 homes across roughly 20,144 acres. Board members said they wanted more detail and coordination with the county and school district, and the City Council will make the final decision.
Why it matters: A planning board recommendation to deny land use and zoning changes keeps a very large western residential expansion on hold, leaving the affected land west of the city in its current designation pending further review and a City Council decision. The project is about 7 miles west of Palm Harbor, elsewhere in Flagler County.
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.
Why it matters: A 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 project is about 8 miles south of Palm Harbor, elsewhere in Flagler County.
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 less than a mile north of Palm Harbor.
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.
GRADEA
Old Kings Elementary SchoolPublic K-5 · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEA
Indian Trails Middle SchoolPublic 6-8 · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEA
Matanzas High SchoolPublic 9-12 · Flagler County School District · Grade A (Florida DOE 2025-26)
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Millennium Grocery 5 min
Dining
La Creperie Kafe 6 min
Shopping
Old Kings Commons 5 min
Parks
James F. Holland Memorial Park 8 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 14 Fernmill Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2003 (23 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.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
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 1,630 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 $3,650/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are approximately equal to the current owner’s estimated bill. 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, refreshed hourly (last: October 1, 2026)
Comparable sales
DBAAR closed sales in Palm Harbor, last 18 months, as of September 3, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
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 14 Fernmill Lane and when was it built?
Per the listing record, 14 Fernmill Lane was built in 2003 and has 1,630 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 14 Fernmill Lane in?
14 Fernmill Lane is in Palm Harbor in Palm Coast, Flagler County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 14 Fernmill Lane 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 14 Fernmill Lane differ from the current owner's?
The estimate on this page (about $3,650 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are approximately equal to the current owner’s estimated bill. 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 14 Fernmill Lane in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 14 Fernmill 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 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 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.
