42 days on market (MLS)Single Family Residence▼ Price cut: $19,001 (9/24)
$299,999
3-Bedroom Home in Palm Coast/Florida Park Sec 06
28 Fleming Court, Palm Coast, FL 32137
Single Family Residence in Palm Coast/Florida Park Sec 06 · No CDD on record
Palm Coast/Florida Park Sec 06 · Palm Coast, FL 32137 · Flagler County
Listing data updated October 12, 2026 at 4:40 AM ET · checked against the MLS hourly
3Bedrooms
2Bathrooms
2,340Sq Ft
1978Year Built
$128Per Sq Ft
2-car garageNo CDD on record
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.
33% below
$/sq ft vs community
$128 here vs $190 median sold (12 mo)
Buyer leverage
Balanced market
42 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 28 Fleming Court in Palm Coast/Florida Park Sec 06, Palm Coast is listed at $299,999 (2,340 sq ft, about $128 per sq ft). It has been 42 days on market. Listing facts: built in 1978, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1978 · 48 yrs
2,340 sq ft of living area
2-car garage
Listed at $299,999 — recent neighborhood median sale price ~$392,500 (nearby sales; deemed reliable, not an appraisal)
42 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Set in a peaceful quadruple cul-de-sac neighborhood with canals, this spacious home offers beautiful views of the navigable canal directly across from its charming front courtyard. With more than 2,300 square feet of living space, the home features a desirable split-bedroom floor plan and plenty of room to relax and entertain. The inviting family room is a true highlight, featuring a cozy fireplace, wood-beamed ceiling, and warm wood paneling that create a welcoming atmosphere.
Directly through the sliders is a relaxing hot tub on the back patio. The Primary suite's attached office and the breakfast nook/kitchen each lead to an additional bonus great room area providing exceptional flexibility for gatherings, hobbies, or extra living space. Front living room and dining room are bright and spacious.
Outside, the partially fenced backyard includes a HUGE shed for abundant storage or a workshop. Recent updates include a new roof in 2026 and a new A/C system in 2022. Conveniently located near Holland Park, Island Walk featuring Publix, and a variety of shopping, dining, and everyday conveniences, this home combines space, character, and an ideal location.
All information recorded in the MLS is intended to be accurate but cannot be guaranteed.
All 48 photos
Description provided by Watson Realty Corp 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$299,999
Bed / bath3 / 2
Living area2,340 sq ft
Year built1978
Property typeSingle Family Residence
Garage2-car
MLS #1230306
Listing status42 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~11 ft
CountyFlagler
Area listings1 active · 0 under contract
Estimated first-year tax~$3,650/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$128
Estimated monthly payment$2,129
Insurance (illustrative)$2k–$3k/yr
Messtimate range$341,640 – $758,160
Comparable-sales median$392,500
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
$2,129/mo
Principal & interest $1,662/mo78%
Taxes $304/mo14%
Insurance $163/mo8%
$2,129/mo at 20% down, 30-yr @ 7.4% · 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 $1,725/yr ($144/mo) — taxable value $118,460 × 14.65 mills
$1,925 more each year
(+112%)
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
$106,290
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.
$224,750
Market value
$169,182
Assessed
$118,460
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.
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–$3k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~11 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 · Palm Coast Florida Park Sec 06
Pricing & the Palm Coast Florida Park Sec 06 market
How this home is priced against recent nearby sales, and where Palm Coast Florida Park Sec 06 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
1978BuiltPer public record
About Aug 2026Listed (per MLS)MLS reports 42 cumulative days on market as of October 12, 2026
Sep 2, 2026First seen on movewithmomentum.comObserved at $319,000
Sep 24, 2026Price cut$299,999 (-$19,001, -6.0%)
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 $299,999Momentum Realty · on market 42 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 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 Dec 2025
$805,000
8 Blue Oak Lane, Palm Coast
3 / 3 bd/ba · 2,471 sq ft · $326/sq ft
Courtesy of Parkside Realty Group · View details →
Sold Sep 2026
$700,000
9 Collingville Court, Palm Coast
3 / 2 bd/ba · 2,160 sq ft · $324/sq ft
Courtesy of 3 Dot Realty, LLC · View details →
Sold Jun 2026
$380,000
95 Frankford Lane, Palm Coast
4 / 2 bd/ba · 2,098 sq ft · $181/sq ft
Courtesy of Take Action Properties LLC · View details →
Sold Nov 2025
$299,000
52 Florida Park Drive, Palm Coast
3 / 2 bd/ba · 2,044 sq ft · $146/sq ft
Courtesy of Realty Pros Assured · View details →
Sold Nov 2025
$299,000
52 Florida Park Drive, Palm Coast
3 / 2 bd/ba · 2,044 sq ft · $146/sq ft
Courtesy of Realty Pros Assured · View details →
Sold Jun 2026
$405,000
14 Ibis Court #N, Palm Coast
3 / 2 bd/ba · 2,043 sq ft · $198/sq ft
Courtesy of LPT Realty, LLC · View details →
Median of these 6 sales: $392,500 ($190/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
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.
$341,640the mess$758,160
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $299,999 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 122% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1978 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
3 active listings competing
≈6.0 months of supply
1 closed here in the last 12 months
For reference, this home is listed at $299,999 ($128/sq ft). The list price is the seller's asking price and is not derived from this range.
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: 2,340 sq ft × $146–$324/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 12, 2026.
Momentum Scores
Momentum Property Score
78/100
Strongest on: Price vs area (100), Affordability (89)
0 limited50100 exceptional
78/100 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.
Price vs area100
This home $128/sq ft vs the community 12-month median $190/sq ft.
Affordability89
List price $299,999 vs the community median $392,500. Not a measure of personal affordability.
Market liquidity44
Community inventory, ~6.0 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.
🟡 Asking $128 per square foot, about 33% below the community’s $190 median. Palm Coast Florida Park Sec 06’s 12-month median sold price per square foot is $190. MLS 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 1 active listings in Palm Coast Florida Park Sec 06, no CDD assessment.
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Watson Realty Corp · MLS # 1230306
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Keep looking
Similar homes for sale near Palm Coast/Florida Park Sec 06
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 · Development
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 3 miles southeast of Palm Coast Florida Park Sec 06.
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 4 miles east of Palm Coast Florida Park Sec 06.
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 east of Palm Coast Florida Park Sec 06.
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 2 miles south of Palm Coast Florida Park Sec 06.
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.
School zoningThis address is in the Flagler County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 28 Fleming Court, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1978 (48 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Flagler County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,340 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,650/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,925 more per year than the current owner’s estimated bill (+112%). 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: October 12, 2026)
Comparable sales
DBAAR closed sales within about 3 miles, last 18 months, as of July 12, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
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 28 Fleming Court and when was it built?
Per the listing record, 28 Fleming Court was built in 1978 and has 2,340 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 28 Fleming Court in?
28 Fleming Court is in Palm Coast/Florida Park Sec 06 in Palm Coast, Flagler County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 28 Fleming Court have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 28 Fleming Court differ from the current owner's?
The estimate on this page (about $3,650 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,925 more per year than the current owner’s estimated bill (+112%). 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 28 Fleming Court in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 28 Fleming Court 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 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.
