Single Family Residence in Palm Harbor, Palm Coast · No CDD
Palm Harbor · Palm Coast, FL 32137 · Flagler
Listing data updated September 11, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,630Sq Ft
2003Year Built
$184Per Sq Ft
2-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
26% below
$/sq ft vs community
$184 here vs $250 median sold (12 mo)
Buyer leverage
Balanced market
4.0-month supply
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 September 11, 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 came to market within the past week. 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)
Active listing
HOA ~$50/mo (estimate; 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
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
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
$1,990/mo
Principal & interest $1,550/mo78%
Taxes $262/mo13%
Insurance $127/mo6%
HOA $50/mo3%
$1,990/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current Flagler County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $3,675/yr ($306/mo)
-$25 more each year
(--1%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), Daytona Beach Area AR. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
66/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
66/100 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 $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).
Renovation upside46
From a 2003 build and $184/sq ft vs the community median $250/sq ft. Not a condition assessment.
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.
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.
Momentum Research
The Momentum read
🟡 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 September 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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!
Description provided by EXP Realty LLC 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$300,000
Bed / bath3 / 2
Living area1,630 sq ft
Year built2003
Property typeSingle Family Residence
Garage2-car
MLS #1230673
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureModerate
CountyFlagler
Area listings8 active · 1 under contract
Estimated first-year tax~$3,150/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$184
Estimated monthly payment$1,990
Insurance (illustrative)$1k–$2k/yr
Messtimate range$365,120 – $533,010
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
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$533,010
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 46% 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:
9 active listings competing, 1 under contract
≈4.0 months of supply
24 closed here in the last 12 months
For reference, this home is listed at $300,000 ($184/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: 1,630 sq ft × $224–$327/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 11, 2026.
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.
Listed for $300,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.)
~$3,150/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)
$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
$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
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
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; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by EXP Realty LLC · MLS # 1230673
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Market data · public records
Recent sales activity in Palm Harbor
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 Palm Harbor neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$483,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$250
Canonical 12-month median $/sq ft. Reference only.
Go deeper on 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.
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.
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
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.
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)
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
$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 Jul 2026
$365,000
11 Flat Rock Lane, Palm Coast
3 / 2 bd/ba · 1,514 sq ft · $241/sq ft
Courtesy of RE/MAX Select Professionals · 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 Jun 2026
$429,000
7 Freemont Turn, Palm Coast
3 / 2 bd/ba · 1,899 sq ft · $226/sq ft
Courtesy of Take Action Properties LLC · View details →
Sold May 2026
$390,000
60 Frenora Lane, Palm Coast
4 / 2 bd/ba · 1,908 sq ft · $204/sq ft
Courtesy of Realty Exchange, LLC. · View details →
Community 12-month median: $250/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$1,375 – $2,000/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$655 – −$93At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
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 $3,150/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
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.
DBAAR, refreshed twice daily (last: September 11, 2026)
Community market stats
DBAAR closed sales, as of September 3, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
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 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 community section on this page shows recent closed sales, days on market, and active inventory for Palm Harbor 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 $3,150 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
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 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.
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.
