Palm Harbor · Palm Coast, FL 32137 · Flagler County
Listing data checked against the MLS November 13, 2026 at 6:32 PM ET · rechecked hourly
Listed by Watson Realty Corp (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
3Bathrooms
2,005Sq Ft
2007Year Built
$257Per Sq Ft
Waterfront2-car garageFEMA Zone X
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.
Buyer leverage
Buyer advantage
507 days on market
3.7 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~9 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
146 Palm Coast Resort Boulevard #501 in Palm Harbor, Palm Coast is listed at $515,000 (2,005 sq ft, about $257 per sq ft). It has been listed Jun 21, 2025. Listing facts: built in 2007, waterfront, HOA dues of $942/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Built 2007 · 19 yrs
2,005 sq ft of living area
2-car garage
listed Jun 21, 2025
HOA $942/mo (per listing)
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
WAKE UP TO THE WATER -- ONE OF THE LARGEST CONDOS IN PALM COAST RESORT! Imagine waking up each morning to beautiful views of the marina and Intracoastal Waterway, with the water and boats providing a constantly changing backdrop from virtually every window. This exceptional 3-bedroom, 3-bath corner condo, located on the 5th floor of desirable Palm Coast Resort, offers over 2,000 square feet of living space, making it one of the largest residences in the building.
From the moment you step inside, the expansive windows and open-concept design draw you toward the spectacular waterfront views. The living room, dining area, and eat-in kitchen flow effortlessly together, creating a wonderful space for entertaining or simply enjoying the relaxed Florida lifestyle. The eat-in kitchen is as beautiful as it is functional, featuring stainless steel appliances, granite countertops, a Monogram refrigerator, 42-inch wood cabinetry, and a wine refrigerator.
Picture yourself enjoying your morning coffee while watching boats make their way through the marina, or gathering with friends for an evening overlooking the Intracoastal. The expansive screened balcony is where you'll want to linger. Enjoy the gentle coastal breezes, watch boats cruise by, and take in beautiful sunsets--all from your own private outdoor retreat.
The primary suite is a peaceful escape with direct access to the balcony and a spa-like bath featuring dual vanities, a soaking tub, and a separate walk-in shower. The second bedroom features its own private en-suite bath, offering comfort and privacy for family or guests. The third bedroom has its own private balcony, creating a perfect little retreat for morning coffee, an evening breeze, or simply enjoying the beautiful surroundings.
With its rare combination of over 2,000 square feet, corner-unit privacy, three bedrooms, three full baths, multiple balconies, and breathtaking marina and Intracoastal views, this is a residence that truly stands apart. Come see why this isn't simply a condo--it's a waterfront lifestyle. Palm Coast Resort Condos offers a pool, spa, fishing dock, a gorgeous, canopied walking trail along the Intracoastal, covered and open parking, and secured entrances to the elevator.
Perfectly situated just minutes from dining, shopping, and pristine beaches, this is coastal living at its finest. Whether you're seeking a full-time residence, vacation escape, or investment property, this one will check all the boxes offering the perfect blend of luxury, comfort, and natural beauty. All information recorded in the MLS is intended to be accurate, but cannot be guaranteed.
The square footage is taken from the property appraiser's office.
All 49 photos
Description provided by Watson Realty Corp and reproduced from the MLS; not independently verified.
Estimate unavailable for this home right now. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when we can match at least 3 comparable closed sales from the last 18 months to this home. We could not assemble that set for this page today, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 2,005 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated November 10, 2026.
How it stacks up
Comparable recent sales
Only 2 closed sales within about 10 miles in Flagler County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.
Sold Feb 2026
$750,000
175 Ave De La Mer #303, Palm Coast
3 / 2.5 bd/ba · 2,480 sq ft · $302/sq ft
Courtesy of RE/MAX Select Professionals · View details →
Sold Sep 2026
$400,000
200 Riverfront Drive #D304, Palm Coast
3 / 3 bd/ba · 2,015 sq ft · $199/sq ft
Courtesy of Trademark Realty Group LLC · View details →
Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
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$515,000
Bed / bath3 / 3
Living area2,005 sq ft
Year built2007
Property typeCondominium
Garage2-car
MLS #1214836
Listing statuslisted Jun 21, 2025
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~9 ft
CountyFlagler
Area listings7 active · 2 under contract
Estimated first-year tax~$6,800/yr
CDD assessmentNone on record
HOA$942/mo
Calculated estimates
Price per sq ft$257
Estimated monthly payment$4,503
Insurance (illustrative)$2k–$4k/yr
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
$4,503/mo
Principal & interest $2,791/mo62%
Taxes $567/mo13%
Insurance $204/mo5%
HOA $942/mo21%
$4,503/mo at 20% down, 30-yr @ 7.18% · 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 $4,625/yr ($385/mo) — taxable value $315,140 × 14.65 mills
$2,175 more each year
(+47%)
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
$126,774
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.
$441,914
Market value
$365,862
Assessed
$315,140
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 146 Palm Coast Resort Boulevard #501
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 $4,625/yr (certified county roll, taxable value × millage). Buy at the asking price of $515,000 and the first-year bill resets to about $6,800/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
$942/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
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 $1,500–$3,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2007. An original roof would be about 19 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 $1,644/month (tax $567, HOA $942, 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
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$942/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
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
~9 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.
County hazard risk ratings (FEMA National Risk Index, county level)
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.
Internet & broadband — how to check availability for this address
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.
Property timeline
This home’s history
2007BuiltPer public record
About Jun 2025Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Jun 21, 2025)
Jul 2, 2026First seen on our siteObserved at $545,000
Oct 25, 2026Price cut$515,000 (-$30,000, -5.5%)
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 $515,000Watson Realty Corp · listed Jun 21, 2025
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
74/100
Strongest on: Flood safety (90), Insurance cost (74)
0 limited50100 exceptional
74/100 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.
Flood safety90
FEMA Zone X, ~9 ft elevation. Verify the parcel with FEMA.
Insurance cost74
From FEMA Zone X and a 2007 build. Obtain a property-specific quote.
Market liquidity58
Community inventory, ~3.7 months of supply (12-month record).
Coverage: 3 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.
Checked against the MLS November 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Watson Realty Corp · MLS # 1214836
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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.
Oct 2026 · Parks Amenities
Palm Coast finishes Waterfront Park upgrades with new pavilion and 100-space parking lot
Palm Coast completed the latest phase of work at its 18-acre Waterfront Park on the Intracoastal Waterway, adding a 3,500-square-foot pavilion built for 135-mph winds and a 1.29-acre lot with 100 spaces. The park also has a boat launch, trails, a playground and fishing and kayaking access, with state navigation district grants covering part of the cost.
Why it matters: Added parking and a rentable pavilion expand waterfront recreation access for eastern Palm Coast. The site is about 2 miles southeast of Palm Harbor.
Judge sends Palm Coast impact fee dispute with home builders toward trial and orders mediation
A circuit judge denied the Flagler Home Builders Association's bid for summary judgment on two counts of its suit over Palm Coast's 2025 impact fee increases, which averaged more than 100 percent. The city keeps collecting the higher fees while a refund order is stayed on appeal, mediation is ordered, and a November hearing will address the stay and escrow.
Why it matters: The outcome will affect permitting costs for new construction in Palm Coast and could shape the pace and pricing of future builds. The site is less than a mile north of Palm Harbor.
Flagler School Board weighs $3 million deal toward new Olympic-size YMCA pool at Palm Coast Town Center
The Flagler County School Board is considering giving the Volusia-Flagler YMCA $3 million in exchange for a 35-year lease at a reconfigured Town Center facility costing about $14 million. District swim teams would get priority at an Olympic-size pool, with groundbreaking planned for next winter and completion in 2029. Board members want payments tied to construction milestones.
Why it matters: A new competition-size pool at Town Center would add a regional aquatics amenity and could let the district retire an aging pool. The site is about 2 miles southwest of Palm Harbor.
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 2 miles south 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 146 Palm Coast Resort Boulevard #501, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2007 (19 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
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.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 2,005 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 $6,800/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,175 more per year than the current owner’s estimated bill (+47%). 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: November 13, 2026)
Comparable sales
Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
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 146 Palm Coast Resort Boulevard #501 and when was it built?
Per the listing record, 146 Palm Coast Resort Boulevard #501 was built in 2007 and has 2,005 sq ft of living area, 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 146 Palm Coast Resort Boulevard #501 in?
146 Palm Coast Resort Boulevard #501 is in Palm Harbor in Palm Coast, Flagler County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 146 Palm Coast Resort Boulevard #501 have an HOA, and how much are the dues?
The listing reports HOA dues of $942 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 146 Palm Coast Resort Boulevard #501 differ from the current owner's?
The estimate on this page (about $6,800 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,175 more per year than the current owner’s estimated bill (+47%). 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 146 Palm Coast Resort Boulevard #501 in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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.
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See 146 Palm Coast Resort Boulevard #501 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.
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.
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.
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.
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1 / 1 photosListing courtesy of Watson Realty Corp
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.
