Listing data updated September 12, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
2,002Sq Ft
2016Year Built
$394Per Sq Ft
Waterfront2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
15% above
$/sq ft vs community
$394 here vs $343 median sold (12 mo)
Buyer leverage
Buyer advantage
65 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; ~28 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 2
Price vs recent sales
Asking $789k is at or below all 2 recent closed sales
As of September 12, 2026, 341 Hibiscus Way in Conservatory At Hammock Beach, Palm Coast is listed at $789,000 (2,002 sq ft, about $394 per sq ft). That sits within a few percent of Conservatory At Hammock Beach's median closed sale of $805,718 over the last 12 months (1 recorded sales). Per square foot it is above the community's recent $343/sq ft by about 15%. It has been 65 days on market. Listing facts: built in 2016, waterfront, HOA dues of $405/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 2016 · 10 yrs
2,002 sq ft of living area
2-car garage
Listed at $789,000 — recent neighborhood median sale price ~$805,718 (nearby sales; deemed reliable, not an appraisal)
65 days on market
HOA $405/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
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 $394/sq ft.
Median sale price by year
12-month median closed price, 2023–2025.
Property timeline
This home’s history
2016BuiltPer public record
Aug 4, 2026First trackedObserved at $799,000
Sep 9, 2026Price cut$789,000
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
$5,456/mo
Principal & interest $4,098/mo75%
Taxes $690/mo13%
Insurance $262/mo5%
HOA $405/mo7%
$5,456/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Estimated from today’s asking price and current Flagler County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $4,875/yr ($406/mo)
+$5,950 more each year
(+122%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$270,126
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.
Sources: Florida DOR certified tax roll (2025), Daytona Beach Area AR. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
48/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
48/100 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 area13
This home $394/sq ft vs the community 12-month median $343/sq ft.
Affordability53
List price $789,000 vs the community median $805,718. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~28 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2016 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~36.0 months of supply (12-month record).
Renovation upside10
From a 2016 build and $394/sq ft vs the community median $343/sq ft. Not a condition assessment.
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 $394 per square foot, about 15% above the community’s $343 median. Conservatory At Hammock Beach’s 12-month median sold price per square foot is $343. 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.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to luxury golf course living in the esteemed community The Conservatory, an exclusive gated community centered around the renowned Tom Watson Signature 18-hole Golf Course. Perfectly positioned on the 8th fairway with breathtaking views of the lake and the 9th tee box, this beautifully maintained one-owner Gold Coast Homes residence offers an exceptional opportunity to own in one of Florida's premier golf communities featuring TWO championship golf courses. This meticulously cared-for 3-bedroom, 2-bath home combines timeless elegance with thoughtful upgrades throughout.
From the moment you enter, you'll appreciate the soaring tray ceilings, custom crown molding, elegant wainscoting, built-in features, and designer lighting that create a warm yet refined atmosphere. The spacious kitchen is designed for both everyday living and entertaining, showcasing granite countertops, solid wood cabinetry, stainless steel appliances, and the convenience of the washer and dryer included. The luxurious primary suite features custom-designed closets and a spa-inspired bath with seamless glass shower doors, while both bathrooms have been tastefully upgraded with premium finishes.
Electronic remote-controlled shades provide effortless comfort and privacy throughout the home. Step outside to your own private Florida oasis. The heated and cooled 28' x 16' saltwater pool, complete with a newer pump, is enclosed with a panoramic screen that maximizes the spectacular golf course and water views without obstructing the scenery.
Whether enjoying your morning coffee or entertaining guests, this outdoor living space is truly unforgettable. Additional highlights include a NEW air conditioning system (1 year old), durable tile roof, oversized two-car garage with custom built-in storage, and exceptional pride of ownership throughout. Residents enjoy 24/7 gated security and have the option to join the magnificent Club At Hammock Beach that proudly features a $40 million clubhouse, offering world-class amenities including a state-of-the-art fitness center, resort-style swimming pool, and an outstanding golf experience.
Best of all, you're just minutes from beautiful Hammock Beach, celebrated as one of Florida's most spectacular stretches of coastline. This is more than a home--it's an extraordinary lifestyle in one of Northeast Florida's most sought-after golf communities. Schedule your private showing today!
Description provided by EXP Realty LLC 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$789,000
Bed / bath3 / 2
Living area2,002 sq ft
Year built2016
Property typeSingle Family Residence
Garage2-car
MLS #1228417
Listing status65 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~28 ft
Windstorm exposureModerate
CountyFlagler
Area listings3 active · 1 under contract
Estimated first-year tax~$8,284/yr
CDD assessmentNone on record
HOA (per listing)$405/mo
Calculated estimates
Price per sq ft$394
Estimated monthly payment$5,456
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$805,718
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.
$604,604the mess$768,768
Actual list price: $789,000 — 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 — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $405/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
3 active listings competing
≈36.0 months of supply
2 closed here in the last 12 months
For reference, this home is listed at $789,000 ($394/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: 2,002 sq ft × $302–$384/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 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 $789,000Momentum Realty · on market 65 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.)
~$8,284/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)
$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
$405/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
~28 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 341 Hibiscus Way?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by EXP Realty LLC · MLS # 1228417
Request a showing
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
1
Recent nearby closings in the data set.
Community median sale price
$805,718
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$343
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.
Jul 2026 · Infrastructure
Flagler County advances 35 million dollar beach renourishment
Flagler County is working to award a contract for a roughly 35 million dollar beach renourishment project covering about 5.5 miles of northern county shoreline from Flagler Beach to Varn Park. The project, largely funded by state and FEMA grants, faces a tight deadline with some property easements still unsigned, and a final decision was scheduled for the August 3, 2026 commission meeting.
Why it matters: A large beach renourishment effort would rebuild eroded shoreline and dune systems and help protect the coastal stretch of State Road A1A, supporting the stability of oceanfront property and public beach access. The project is about 6 miles southeast of The Conservatory At Hammock Beach, elsewhere in Flagler County.
Planning board recommends denial of 21,920 home western expansion
The Palm Coast Planning Board voted 5 to 0 on July 15, 2026 to recommend denial of future land use and zoning map amendments for the Radiant Palm Coast westward expansion, which proposes up to about 21,920 homes across roughly 20,144 acres. Board members said they wanted more detail and coordination with the county and school district, and the City Council will make the final decision.
Why it matters: A planning board recommendation to deny land use and zoning changes keeps a very large western residential expansion on hold, leaving the affected land west of the city in its current designation pending further review and a City Council decision. The project is about 8 miles west of The Conservatory At Hammock Beach, elsewhere in Flagler County.
Flagler County adopts one year data center moratorium
Flagler County commissioners unanimously adopted a one year moratorium on new data center siting in unincorporated areas at their July 13, 2026 meeting. Officials said the pause allows staff to develop zoning and land use standards for the emerging industry.
Why it matters: A one year pause on new data center siting in unincorporated areas holds large industrial land uses in place while the county drafts zoning and land use standards, keeping the current pattern of available industrial and commercial land unchanged for now. The project is about 9 miles southwest of The Conservatory At Hammock Beach, elsewhere in Flagler County.
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.
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.
Sold Oct 2025
$805,718
426 Bourganville Drive, Palm Coast
3 / 3 bd/ba · 2,350 sq ft · $343/sq ft
Courtesy of ICI Select Realty Inc · View details →
Community 12-month median: $343/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
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$3,616 – $5,260/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.0%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,945 – −$466At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 341 Hibiscus Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2016: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $405/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.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 2,002 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 $8,284/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
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.
DBAAR, refreshed twice daily (last: September 12, 2026)
Community market stats
DBAAR closed sales, as of September 3, 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 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 341 Hibiscus Way and when was it built?
Per the listing record, 341 Hibiscus Way was built in 2016 and has 2,002 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 341 Hibiscus Way in?
341 Hibiscus Way is in Conservatory At Hammock Beach in Palm Coast, Flagler County. The community section on this page shows recent closed sales, days on market, and active inventory for Conservatory At Hammock Beach from the same MLS data.
Does 341 Hibiscus Way have an HOA, and how much are the dues?
The listing reports HOA dues of $405 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 341 Hibiscus Way differ from the current owner's?
The estimate on this page (about $8,284 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 341 Hibiscus 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 341 Hibiscus 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 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.
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.
