Listing data checked against the MLS November 2, 2026 at 5:27 PM ET · rechecked hourly
Listed by Real Estate Services of Palm Coast (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
1,869Sq Ft
2015Year Built
$206Per 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.
24% below
$/sq ft vs community
$206 here vs $271 median sold (12 mo)
Buyer leverage
Strong buyer advantage
81 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~23 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
5 Graham Trail in Hidden Lakes Ph Iv-A, Palm Coast is listed at $385,000 (1,869 sq ft, about $206 per sq ft). It has been listed Aug 12, 2026. Listing facts: built in 2015, HOA dues of $87/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 2015 · 11 yrs
1,869 sq ft of living area
2-car garage
Listed at $385,000 — recent neighborhood median sale price ~$579,000 (nearby sales; deemed reliable, not an appraisal)
listed Aug 12, 2026
HOA $87/mo (per listing)
School district: Schools Flagler County SchoolsCommunity built 1978–2021Redefined Food Co · 4 min drivePublix · 5 min driveStarbucks · 6 min drive
Listing description
About this home
Welcome to this beautiful home located in the well-maintained community of Hidden Lakes. This inviting residence features a bright, open-concept floor plan with crown molding, tile flooring throughout, granite countertops and stainless steel appliances. The home offers three spacious bedrooms, with double closets in two of them and the primary has a double tray ceiling with crown molding.
Step onto your four-season porch with sliding windows that overlooks the fenced private backyard - perfect for relaxing and entertaining and plenty of room for a pool. You can also enjoy the covered front porch with stone accents and the paver driveway continues to the porch. Hidden Lakes offers an exceptional lifesytyle with underground utilities, charming street lamps, sidewalks, community pool, clubhouse, playground, and basketball/pickleball court.
Residents also enjoy a welcoming neighborhood atmosphere with planned social events and gatherings throughout the year, making it easy to connect with wonderful neighbors.
All 91 photos
Description provided by Real Estate Services of Palm Coast and reproduced from the MLS; not independently verified.
6 closed sales in Hidden Lakes Ph Iv-A 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 Jun 2026
$499,900
29 Arena Lake Drive, Palm Coast
3 / 2 bd/ba · 1,845 sq ft · $271/sq ft
Courtesy of Florida Homes Realty & Mortgage · View details →
Sold Jun 2026
$499,900
29 Arena Lake Drive, Palm Coast
3 / 2 bd/ba · 1,845 sq ft · $271/sq ft
Courtesy of Florida Homes Realty & Mortgage · View details →
Sold Jun 2026
$580,000
69 Arena Lake Drive, Palm Coast
3 / 2 bd/ba · 1,821 sq ft · $319/sq ft
Courtesy of Signature Homes Realty Group · View details →
Sold Jun 2026
$580,000
69 Arena Lake Drive, Palm Coast
3 / 2 bd/ba · 1,821 sq ft · $319/sq ft
Courtesy of Signature Homes Realty Group · View details →
Sold Jan 2026
$579,000
13 Arena Lake Circle, Palm Coast
3 / 2 bd/ba · 2,279 sq ft · $254/sq ft
Courtesy of Coastal Gateway Real Estate Group · View details →
Sold Jan 2026
$579,000
13 Arena Lake Circle, Palm Coast
3 / 2 bd/ba · 2,279 sq ft · $254/sq ft
Courtesy of Coastal Gateway Real Estate Group · View details →
Median of these 6 sales: $579,000 ($271/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$385,000
Bed / bath3 / 2
Living area1,869 sq ft
Year built2015
Property typeSingle Family Residence
Garage2-car
MLS #1229590
Listing statuslisted Aug 12, 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~23 ft
CountyFlagler
Area listings3 active · 0 under contract
Estimated first-year tax~$4,900/yr
CDD assessmentNone on record
HOA$87/mo
Calculated estimates
Price per sq ft$206
Estimated monthly payment$2,725
Insurance (illustrative)$1k–$2k/yr
Messtimate range$474,726 – $596,211
Comparable-sales median$579,000
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
Financing
Estimated monthly payment
$2,725/mo
Principal & interest $2,099/mo77%
Taxes $408/mo15%
Insurance $131/mo5%
HOA $87/mo3%
$2,725/mo at 20% down, 30-yr @ 7.24% · 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.
Current owner’s estimated bill $5,400/yr ($450/mo) — taxable value $368,241 × 14.65 mills
$500 less each year
(−9%)
The current taxable value ($368,241) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
$368,241
Market value
$368,241
Assessed
$368,241
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 5 Graham Trail
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 $5,400/yr (certified county roll, taxable value × millage). Buy at the asking price of $385,000 and the first-year bill resets to about $4,900/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
$87/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 $1,000–$2,500/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 2015. An original roof is about 11 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 $631/month (tax $408, HOA $87, 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)
$1k–$2k/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
$87/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
~23 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Flagler County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Flagler County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively Moderate
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Hidden Lakes
Pricing & the Hidden Lakes market
How this home is priced against recent nearby sales, and where Hidden Lakes has been over 25 years. Momentum Research analysis of realMLS 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.
Price vs. size in Hidden Lakes
Each dot is a closed sale since 2006 (37 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). DBAAR closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2021. This home lists at $206/sq ft.
Median sale price by year
12-month median closed price, 2012–2021.
Property timeline
This home’s history
2015BuiltPer public record
About Aug 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Aug 12, 2026)
Aug 13, 2026First seen on movewithmomentum.comObserved at $385,000
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 $385,000Real Estate Services of Palm Coast · listed Aug 12, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
82/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
82/100 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 $206/sq ft vs the community 12-month median $271/sq ft.
Affordability100
List price $385,000 vs the community median $579,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~23 ft elevation. Verify the parcel with FEMA.
Insurance cost79
From FEMA Zone X and a 2015 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~12.0 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.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 81 days on market for this home, against a 81-day area median.Days on market:this home 81Area median: 81 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of November 1, 2026.
🟡 Asking $206 per square foot, about 24% below the community’s $271 median. Hidden Lakes’s 12-month median sold price per square foot is $271. 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 3 active listings in Hidden Lakes, no CDD assessment.
Checked against the MLS November 2, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Real Estate Services of Palm Coast · MLS # 1229590
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Keep looking
Similar homes for sale near Hidden Lakes Ph Iv-A
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Parks Amenities
Palm Coast finishes Waterfront Park upgrades with new pavilion and 100-space parking lot
Palm Coast completed the latest phase of work at its 18-acre Waterfront Park on the Intracoastal Waterway, adding a 3,500-square-foot pavilion built for 135-mph winds and a 1.29-acre lot with 100 spaces. The park also has a boat launch, trails, a playground and fishing and kayaking access, with state navigation district grants covering part of the cost.
Why it matters: Added parking and a rentable pavilion expand waterfront recreation access for eastern Palm Coast. The site is about 3 miles north of Hidden Lakes Palm Coast.
Palm Coast council approves Lakeview Estates changes, swapping planned apartments for donated park land
The Palm Coast council voted 4-1 to amend the plan for Lakeview Estates, a 280-acre community on the former Matanzas Woods golf course in the L-Section. A tract once slated for 55 apartment and townhome units becomes a park with land donated by the developer, and 39 units move to another tract, trimming overall density by a dozen units. About 204 houses are already built on the first tract.
Why it matters: The change reduces planned density and adds public green space while limiting commercial build-out near U.S. 1, shaping housing supply in the L-Section. The site is about 1 mile northwest of Hidden Lakes Palm Coast.
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 1 mile northwest of Hidden Lakes Palm Coast.
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 north of Hidden Lakes Palm Coast.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Flagler County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Old Kings Elementary SchoolPublic Elementary · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEA
Buddy Taylor Middle SchoolPublic Middle 6-8 · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEA
Flagler Palm Coast High SchoolPublic High 9-12 · Flagler County School District · Grade A (Florida DOE 2025-26)
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix 5 min
Dining
Redefined Food Co 4 min
Shopping
Palm Coast Landing 8 min
Parks
Central Park 8 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 5 Graham Trail, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2015: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $87/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 1,869 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 $4,900/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $500 less per year than the current owner’s estimated bill (−9%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
DBAAR, checked against the MLS hourly (last: November 2, 2026)
Comparable sales
DBAAR closed sales in Hidden Lakes Ph Iv-A, last 18 months, as of November 1, 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 5 Graham Trail and when was it built?
Per the listing record, 5 Graham Trail was built in 2015 and has 1,869 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 5 Graham Trail in?
5 Graham Trail is in Hidden Lakes Ph Iv-A in Palm Coast, Flagler County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 5 Graham Trail have an HOA, and how much are the dues?
The listing reports HOA dues of $87 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 5 Graham Trail differ from the current owner's?
The estimate on this page (about $4,900 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $500 less per year than the current owner’s estimated bill (−9%). 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 5 Graham Trail in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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1 / 1 photosListing courtesy of Real Estate Services of Palm Coast
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.
