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 October 30, 2026 at 12:50 AM ET · rechecked hourly
Listed by Engel & Voelkers New Smyrna Beach (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2.5Bathrooms
2,053Sq Ft
2017Year Built
$404Per Sq Ft
2-car garageNo 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.
54% above
$/sq ft vs community
$404 here vs $262 median sold (12 mo)
Buyer leverage
Buyer advantage
18 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
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
189 Aspen Way in Conservatory At Hammock Beach, Palm Coast is listed at $829,000 (2,053 sq ft, about $404 per sq ft). That is 83% above Conservatory At Hammock Beach's median closed sale of $452,500 over the last 12 months (1 recorded sales). Per square foot it is above the community's recent $262/sq ft by about 54%. It has been listed Oct 9, 2026. Listing facts: built in 2017, HOA dues of $406/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
Built 2017 · 9 yrs
2,053 sq ft of living area
2-car garage
Listed at $829,000 — recent neighborhood median sale price ~$452,500 (nearby sales; deemed reliable, not an appraisal)
listed Oct 9, 2026
HOA $406/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
Tucked within the exclusive gated golf course community of The Conservatory at Hammock Beach, this exquisitely appointed single-story home offers the perfect blend of luxury, comfort, and serene coastal Florida living. Built in 2017 and meticulously landscaped and maintained, this home offers unparalleled views of the Conservatory Golf Course's 17th fairway and green. The split plan includes 3 Bedrooms, 2.5 Baths, and a Study/Bonus room and and 18 Ft ceilings throughout.
The Chef's kitchen boasts stainless steel KitchenAid appliances, under- and over-cabinet lighting, gas stove, oversized sink, quartz countertops and 42" cabinets while the Dining Area, strategically located off the kitchen, enhances the flow of the home. The living room features a gas fireplace accented with stacked stone, surrounded by built-ins. A large study or bonus room with French Doors and a Bay Window adds a touch of elegance.
The Master Suite is a haven with light-filled windows; the en-suite bath includes dual vanities, a walk-in shower, and his-and-her walk-in closets. Triple sliders open to an inviting outdoor living area, perfect for entertaining. Step through the sliding glass doors onto the screened lanai, which is perfect for entertaining.
Enjoy morning coffee or evening sunsets overlooking the golf course and your heated pool with decorative fountains. This is more than a home; it's a stunning masterpiece in an amazing community. Located within one of Palm Coast's most sought-after communities, residents enjoy the privacy and security of the manned guard-gated environment surrounded by the Tom Watson-designed Conservatory golf course, with optional membership opportunities to Hammock Beach Club amenities including oceanfront beach access, pools, dining, and more.
A perfect opportunity to own a move-in-ready home in a premier golf community. You must see it to truly appreciate the craftsmanship and lifestyle it offer —the pinnacle of Florida living at its finest.
All 79 photos
Description provided by Engel & Voelkers New Smyrna Beach 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$829,000
Bed / bath3 / 2.5
Living area2,053 sq ft
Year built2017
Property typeSingle Family Residence
Garage2-car
MLS #1231614
Listing statuslisted Oct 9, 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~$11,400/yr
CDD assessmentNone on record
HOA$406/mo
Calculated estimates
Price per sq ft$404
Estimated monthly payment$6,182
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$452,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$6,182/mo
Principal & interest $4,556/mo74%
Taxes $950/mo15%
Insurance $270/mo4%
HOA $406/mo7%
$6,182/mo at 20% down, 30-yr @ 7.32% · 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 $8,000/yr ($667/mo) — taxable value $546,867 × 14.65 mills
$3,400 more each year
(+42%)
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
$50,722
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.
$597,589
Market value
$597,589
Assessed
$546,867
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 189 Aspen Way
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 $8,000/yr (certified county roll, taxable value × millage). Buy at the asking price of $829,000 and the first-year bill resets to about $11,400/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
$406/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 $2,500–$4,500/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 2017. An original roof is about 9 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage.
Estimated carrying cost at the asking price, before the mortgage: about $1,492/month (tax $950, HOA $406, 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
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)
$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
$406/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.
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 · 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 $404/sq ft.
Median sale price by year
12-month median closed price, 2023–2025.
Property timeline
This home’s history
2017BuiltPer public record
About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-10-09" data-fmt="dom">listed Oct 9, 2026</span>)
Oct 9, 2026First seen on movewithmomentum.comObserved at $829,000
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 $829,000Momentum Realty · listed Oct 9, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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 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 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 →
Median of these 4 sales: $452,500 ($262/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Momentum Scores
Momentum Property Score
42/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
42/100 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 $404/sq ft vs the community 12-month median $262/sq ft.
Affordability0
List price $829,000 vs the community median $452,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~26 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2017 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 $404 per square foot, about 54% above the community’s $262 median. Conservatory At Hammock Beach’s 12-month median sold price per square foot is $262. 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 October 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Engel & Voelkers New Smyrna Beach · MLS # 1231614
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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 · Civic
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.
Palm Coast council advances Magnolia Trace plan for 624 homes on about 1,000 acres
The Palm Coast City Council approved on first reading, 4-1, an amendment converting the former Oare continuing-care village off Belle Terre Boulevard near U.S. 1 into the Magnolia Trace Master Planned Development. The plan calls for 624 units, including single-family homes, townhouses and up to 150 apartments, and 71% of the acreage is already in conservation. A second reading is still required, and Greenpoint Holdings is under contract to buy the land.
Why it matters: Adds a large block of for-sale and rental housing supply along the Belle Terre corridor, if final approval is granted. The site is about 4 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.
The Palm Coast Planning Board approved two commercial projects on June 22, 2026. One is an 82,000 square foot warehouse and manufacturing development on Commerce Boulevard where manufacturer Alleima would occupy one building, and the other is a 62,000 square foot medical office complex with 43 suites on Palm Harbor Parkway.
Why it matters: Two approved commercial projects, a warehouse and manufacturing building plus a medical office complex, would expand the commercial and industrial building inventory and add finished space along Commerce Boulevard and Palm Harbor Parkway. The site is less than a mile northwest 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 KingsAssigned elementary school · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEA
Indian TrailsAssigned middle school · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEA
MatanzasAssigned high school · Flagler County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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 189 Aspen Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2017: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $406/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 2,053 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 $11,400/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,400 more per year than the current owner’s estimated bill (+42%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
DBAAR, checked against the MLS hourly (last: October 30, 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
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 189 Aspen Way and when was it built?
Per the listing record, 189 Aspen Way was built in 2017 and has 2,053 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 189 Aspen Way in?
189 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 189 Aspen Way have an HOA, and how much are the dues?
The listing reports HOA dues of $406 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 189 Aspen Way differ from the current owner's?
The estimate on this page (about $11,400 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,400 more per year than the current owner’s estimated bill (+42%). 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 189 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.
Ready when you are
See 189 Aspen Way 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 jon@movewithmomentum.com 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.
