listed Jan 24, 2026Single Family Residence▼ Price cut: $7,719 (10/26)
$815,000
3-Bedroom Home in Conservatory At Hammock Beach
177 Aspen Way, Palm Coast, FL 32137
Single Family Residence in Conservatory At Hammock Beach, Palm Coast · No CDD on record
Conservatory At Hammock Beach · Palm Coast, FL 32137 · Flagler County
Listing data checked against the MLS November 3, 2026 at 7:32 PM ET · rechecked hourly
Listed by ICI Select Realty Inc (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
3Bathrooms
2,350Sq Ft
$347Per Sq Ft
2-car garageNew constructionNo CDD on recordFEMA 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.
34% above
$/sq ft vs community
$347 here vs $259 median sold (12 mo)
Buyer leverage
Strong buyer advantage
281 days on market
36.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~26 ft elevation
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
177 Aspen Way in Conservatory At Hammock Beach, Palm Coast is listed at $815,000 (2,350 sq ft, about $347 per sq ft). That is 63% above Conservatory At Hammock Beach's median closed sale of $501,500 over the last 12 months (1 recorded sales). Per square foot it is above the community's recent $259/sq ft by about 34%. It has been listed Jan 24, 2026. Listing facts: new construction, HOA dues of $392/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.
No CDD assessment on record
New construction
2,350 sq ft of living area
2-car garage
Listed at $815,000 — recent neighborhood median sale price ~$501,500 (nearby sales; deemed reliable, not an appraisal)
listed Jan 24, 2026
HOA $392/mo (per listing)
School district: Watson course Schools Flagler County SchoolsCommunity built 2016–2023Mall · 1 min driveLong Creek Nature Preserve · 1 min driveSunlight Food Mart · 2 min drive
Listing description
About this home
BRAND NEW CONSTRUCTION! MOVE IN READY! Located within the pristine, gated golfing community of The Conservatory and situated on a premium golf course homesite with lake views.
The Avina is a meticulously designed residence that effortlessly blends refined elegance, modern comfort, and everyday functionality. From the moment you enter, the home's thoughtful design and upscale finishes create an inviting yet sophisticated atmosphere. The private owner's suite serves as a serene retreat, featuring a spa-inspired bath and a spacious walk-in closet designed for both luxury and convenience.
At the heart of the home, an expansive open-concept living area seamlessly connects the living room, dining space, and a chef-inspired deluxe kitchen. Showcasing a large center island, generous counter space, and abundant storage, the kitchen is perfectly suited for both casual gatherings and elevated entertaining. Bathed in natural light, the expansive living room offers an an ideal setting for relaxation or hosting guests, while massive pocketing sliding glass doors lead to a covered lanai providing a seamless transition to outdoor living and year-round enjoyment of Florida's coastal climate.
High-end finishes are featured throughout, reflecting quality craftsmanship and attention to detail. Residents also have the opportunity to join the exclusive Hammock Beach Club, offering access to an unparalleled resort lifestyle including two signature golf courses; the Tom Watson-designed Conservatory Course and the Jack Nicklaus-designed Ocean Course with private beach access, resort-style pools, a full-service spa, upscale dining and social clubs, tennis courts, state-of-the-art fitness facilities, and miles of scenic walking and biking trails. Enjoy the very best of coastal Florida living, from pristine beaches and boating to world-class fishing and nearby nature preserves, all just moments from home.
Pool Renderings are for demonstration purposes only.
All 24 photos
Description provided by ICI Select Realty Inc and reproduced from the MLS; not independently verified.
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$460,100the mess$690,100
Directional estimate — built from 4 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,792 recent closed sales we scored, the closed price landed inside the Messtimate range 58% of the time; median miss 9.6% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-01.
Actual list price: $815,000 ($347/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in the model.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
Carrying costs & concessions — this home carries HOA dues of $392/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
5 active listings competing
≈36.0 months of supply
1 closed here in the last 12 months
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (4); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 1, 2026.
How it stacks up
Comparable recent sales
4 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Mar 2026
$520,000
14 Dogwood Terrace, Palm Coast
3 / 2 bd/ba · 1,834 sq ft · $284/sq ft
Courtesy of Parkside Realty Group · View details →
Sold 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 May 2026
$483,000
105 Colechester Lane, Palm Coast
4 / 2.5 bd/ba · 2,930 sq ft · $165/sq ft
Courtesy of Realty Pros Assured · 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 4 sales: $501,500 ($259/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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$815,000
Bed / bath3 / 3
Living area2,350 sq ft
Property typeSingle Family Residence
Garage2-car
MLS #1222095
Listing statuslisted Jan 24, 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~26 ft
CountyFlagler
Area listings3 active · 1 under contract
Estimated first-year tax~$8,558/yr
CDD assessmentNone on record
HOA$392/mo
Calculated estimates
Price per sq ft$347
Estimated monthly payment$5,905
Insurance (illustrative)$3k–$6k/yr
Comparable-sales median$501,500
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
Financing
Estimated monthly payment
$5,905/mo
Principal & interest $4,443/mo75%
Taxes $713/mo12%
Insurance $357/mo6%
HOA $392/mo7%
$5,905/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
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.
HOA dues
$392/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 $3,000–$6,000/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).
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.)
~$8,558/yr
Estimate: a typical Flagler effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
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)
$3k–$6k/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
$392/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
~26 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 · Conservatory At Hammock Beach
Pricing & the Conservatory At Hammock Beach market
How this home is priced against recent nearby sales, and where Conservatory At Hammock Beach has been over 25 years. Momentum Research analysis of DBAMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Median $/sq ft by year
Community sold $/sq ft, 2023–2025. This home lists at $347/sq ft.
Median sale price by year
12-month median closed price, 2023–2025.
Property timeline
This home’s history
About Jan 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Jan 24, 2026)
Jul 2, 2026First seen on movewithmomentum.comObserved at $822,719
Oct 26, 2026Price cut$815,000 (-$7,719, -0.9%)
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 $815,000ICI Select Realty Inc · listed Jan 24, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
40/100
Strongest on: Flood safety (95), Insurance cost (70)
0 limited50100 exceptional
40/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $347/sq ft vs the community 12-month median $259/sq ft.
Affordability0
List price $815,000 vs the community median $501,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~26 ft elevation. Verify the parcel with FEMA.
Insurance cost70
From FEMA Zone X and a None build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~36.0 months of supply (12-month record).
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $347 per square foot, about 34% above the community’s $259 median. Conservatory At Hammock Beach’s 12-month median sold price per square foot is $259. Confidence: Low · 1 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.
What’s unique here: one of only 3 active listings in Conservatory At Hammock Beach, no CDD assessment.
Checked against the MLS November 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by ICI Select Realty Inc · MLS # 1222095
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Keep looking
Similar homes for sale near Conservatory At Hammock Beach
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · 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 3 miles south of The Conservatory At Hammock Beach.
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 west of The Conservatory At Hammock Beach.
Palm Coast holds ceremonial opening of new Fire Station 22
The new station at the southeast corner of Palm Coast Parkway and Colbert Lane replaces the 1977 station and responds to about 18,700 calls a year. Funding of about $12.2 million came from the general fund, fire impact fees and American Rescue Plan money after a $5 million state appropriation was vetoed. The old station is slated to become a visitor center, though funding is not yet identified.
Why it matters: Adds modernized emergency response capacity along the Palm Coast Parkway corridor. The site is about 3 miles south of The Conservatory At Hammock Beach.
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 3 miles south of The Conservatory At Hammock Beach.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Flagler County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Old Kings ElementaryPublic K-5, verify zoning · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEA
Indian Trails MiddlePublic 6-8, verify zoning · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEA
Matanzas HighPublic 9-12, verify zoning · 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
Sunlight Food Mart 2 min
Dining
Schnitzel Time 2 min
Shopping
Mall 1 min
Parks
Long Creek Nature Preserve 1 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 177 Aspen Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $392/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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.
Listed living area is 2,350 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 $8,558/yr) assumes reassessment at the list price; the seller's current bill is not a guide 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 3, 2026)
Comparable sales
DBAAR closed sales within about 3 miles, last 18 months, as of September 3, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; 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 177 Aspen Way and when was it built?
Per the listing record, 177 Aspen Way has 2,350 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 177 Aspen Way in?
177 Aspen Way is in Conservatory At Hammock Beach in Palm Coast, Flagler County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 177 Aspen Way have an HOA, and how much are the dues?
The listing reports HOA dues of $392 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 177 Aspen Way differ from the current owner's?
The estimate on this page (about $8,558 per year) assumes reassessment at the list price less the homestead exemption. 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 177 Aspen Way 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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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 ICI Select Realty Inc
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.
