Listing data updated July 23, 2026 · refreshed twice daily
5Bedrooms
5Bathrooms
4,272Sq Ft
2023Year Built
$492Per Sq Ft
4-car garageNo CDDFEMA Zone X5 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$492 here vs $492 median sold (12 mo)
Buyer leverage
Buyer advantage
36 days on market
60.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~25 ft elevation
$5k–$10k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
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
Property timeline
This home’s history
2023BuiltPer public record
Jul 2, 2026First trackedObserved at $2,100,000
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
$13,124/mo
Principal & interest $10,641/mo81%
Taxes $1,838/mo14%
Insurance $595/mo5%
HOA $50/mo0%
$13,124/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
51/100 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 area50
This home $492/sq ft vs the community 12-month median $492/sq ft.
Affordability50
List price $2,100,000 vs the community median $2,100,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~25 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2023 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~60.0 months of supply (12-month record).
Renovation upside10
From a 2023 build and $492/sq ft vs the community median $492/sq ft. Not a condition assessment.
Buyer competition40
60% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
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.
🟡 Asking $492 per square foot, about in line with the community’s $492 median. Conservatory At Hammock Beach’s 12-month median sold price per square foot is $492. Confidence: Low · 1 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
30% of homes in Conservatory At Hammock Beach are owner-occupied. An estimated 70% are non-owner-occupied, including 15% held in a company or trust and 19% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 363 homes matched. Community-level context.
What’s unique here: one of only 5 active listings in Conservatory At Hammock Beach, no CDD assessment.
Updated July 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Set on a 0.65-acre homesite, one of the largest homesites in The Conservatory at Hammock Beach, this custom 2023 ICI Homes Monaco enjoys protected preserve views both behind and across the street, creating a rare sense of privacy, openness, and natural beauty. It sets the tone for everything this home delivers. Coffered ceilings define the formal dining room and great room, where 10-foot pocket sliding glass doors dissolve the line between inside and out, opening to a covered screened lanai overlooking a saltwater heated pool and spa.
The chef's kitchen is where this home truly earns its place in the luxury market. Crisp white perimeter cabinetry rises to 42-inch uppers, topped with a second tier of glass-front display cabinets lit from within, and under-cabinet lighting illuminates the space throughout. The gas cooktop sits beneath a custom white wood hood, with double wall ovens on a dedicated built-in just steps away.
The oversized island makes its own statement, warm walnut-toned cabinetry below with a built-in microwave drawer, a thick mitered-edge granite slab on top, with a single-bowl sink, dishwasher, and seating for the guests. A walk-in pantry with frosted glass atrium door, butler's pantry or wine bar with its own sink, soft-close doors, oversized drawers, pull-outs, dedicated trash pull, and a whole-house water treatment system round out a kitchen that works as beautifully as it looks. The primary suite is its own private wing.
Dual walk-in closets, a freestanding soaking tub, frameless walk-in shower, separate vanities, and a connected exercise room with direct access to one of the two-car garages. Two secondary bedrooms feature ensuite baths. A third bedroom sits conveniently close to the pool bath, a thoughtful layout that flows naturally for everyday living.
Step outside and the property expands again. The covered screened lanai and separate cabana deliver a full outdoor kitchen with weatherproof cabinetry and granite countertops. The detached guest casita offers a private suite, full bath, walk-in closet, and pre-wiring for surround sound, ready for whatever you envision.
Travertine decking and lush preserve views complete an outdoor living experience that feels like a resort you never have to leave. Soaring 12-foot ceilings and 8-foot interior doors enhance the home's open, airy feel throughout. Designer lighting and a built-in surround sound system serve the main living and kitchen areas, and a whole-house Generac generator with two buried propane tanks ensures this home is as prepared as it is polished.
A four-car garage with EV charging and 6,453 total square feet complete the picture. Behind the guarded gates of Tom Watson's signature 18-hole championship course, with Hammock Beach Resort privileges, ocean access, and the ease of tax-friendly Florida living, this is the one that checks every box. Welcome home!
Square footage received from tax rolls. All information recorded in the MLS is intended to be accurate but cannot be guaranteed.
Description provided by Realty Pros Assured 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$2,100,000
Bed / bath5 / 5
Living area4,272 sq ft
Year built2023
Property typeSingle Family Residence
Garage4-car
MLS #1227310
Listing status36 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~25 ft
Windstorm exposureModerate
CountyFlagler
Area listings5 active · 0 under contract
Estimated first-year tax~$22,050/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$492
Estimated monthly payment$13,124
Insurance (illustrative)$5k–$10k/yr
Comparable-sales median$2,100,000
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.
$1,849,776the mess$2,353,872
Actual list price: $2,100,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% 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 — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
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:
5 active listings competing
≈60.0 months of supply
1 closed here in the last 12 months
For reference, this home is listed at $2,100,000 ($492/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: 4,272 sq ft × $433–$551/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 23, 2026.
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.
Listed for $2,100,000Momentum Realty · on market 36 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
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.)
~$22,050/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)
$5k–$10k/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
$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
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
~25 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
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. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in Conservatory At Hammock Beach
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 Conservatory At Hammock Beach neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$2,100,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$492
Canonical 12-month median $/sq ft. Reference only.
Go deeper on 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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Development
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 west of The Conservatory At Hammock Beach.
Palm Coast approves an 82,000-square-foot warehouse complex where Alleima will expand
Palm Coast approved a two-building, 82,000-square-foot warehouse complex on 7.5 acres at 5 Commerce Boulevard in June 2026. Manufacturer Alleima will occupy one building and add 30 to 50 employees, with the second building marketed to other industrial tenants.
Why it matters: New industrial space and manufacturing jobs in Palm Coast strengthen the local employment base, a factor that can support housing demand nearby. The site is about 5 miles southwest of The Conservatory At Hammock Beach.
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
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 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)
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.
No closely comparable recent sales were found in this data set.
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$9,625 – $14,000/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.7%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$3,796 – +$141At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
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.
realMLS, refreshed twice daily (last: July 23, 2026)
Community market stats
realMLS closed sales, as of July 14, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
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 realMLS 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
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result 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.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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 229 Conservatory Drive 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.
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.
