Belle Terre
Homes for Sale in Palm Coast, FL
True comps, carrying-cost math, and listings before the portals.
Belle Terre is a community in Palm Coast, Flagler County, FL (ZIP 32164). Across Palm Coast as a whole, 93 homes closed in the last 12 months at a median of $450,000, 118 median days on market, with 30 homes for sale today. At that median and Flagler County's FY2025-26 rate of 14.65 mills, annual property tax runs about $6,590 ($6,010 with the full homestead exemption).
Belle Terre is one of Palm Coast's established neighborhoods, and that maturity shows in both inventory diversity and buyer expectations. Without active listings to analyze, we're working from historic context: prices here are set by lot position, condition updates, and whether a home has been renovated or left original. The spread between move-in ready and deferred-maintenance properties can be substantial.
For buyers, Belle Terre offers a known quantity in a city that has grown considerably around it. For sellers, staging and condition matter more here than in newer sections of Palm Coast—presentation drives the premium. If you're considering this neighborhood, walk the block and compare what's been updated versus what hasn't; that's your pricing guide.
The 60-Second Overview
Belle Terre is an established Palm Coast neighborhood where condition and updates drive value more than master planning or resort amenities.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Belle Terre is best for.
Best for
- Buyers prioritizing location and budget over bundled amenities, comfortable evaluating older homes
- Investors or renovators looking for spread between as-is and updated values
- Buyers seeking lower monthly overhead in an established Palm Coast setting
Probably not for
- Buyers expecting resort pools, fitness centers, or a cohesive master-planned aesthetic
- First-time buyers without cash reserves for deferred maintenance or systems replacements
- Anyone who values uniform curb appeal and prefers neighborhoods with active architectural standards
The market around Belle Terre
Belle Terre is too small for its own price trend, so here is the market around it.
In ZIP 32164, 556 homes are on the market and 23% are under contract — a steady corner of Palm Coast.
Across Flagler County, 1,268 homes are active and 370 pending (23% under contract).
ZIP and county figures describe the wider market, not Belle Terre specifically. Momentum Research analysis of MLS records.
Belle Terre by the numbers
From county property records and closed MLS sales for the Belle Terre subdivision: 760 homes on record; built 1979–2026; typical size about 1,797 heated sq ft; 3 bedrooms is the median. Housing mix: single-family 100%.
| Year | Recorded sales | Median price |
|---|---|---|
| 2021 | 132 | $263,495 |
| 2022 | 95 | $330,000 |
| 2023 | 45 | $338,000 |
| 2024 | 26 | $332,500 |
| 2025 | 20 | $344,450 |
| 2026 | 6 | $301,000 |
Newest recorded sale: $350,000 on 2026-09-11.
Recorded data as of 2026-09-12; counts cover addresses tagged to this subdivision in the public record, not every parcel. Not an appraisal.
How far is everything?
Everyday stops around Belle Terre are close: the nearest groceries is about 6 minutes away.
- DG Market · Groceries6 min
- Napoli Pizza Palm Coast · Dining6 min
- AdventHealth Palm Coast Parkway Hospital · Health7 min
- The Jacked Up Bean · Coffee7 min
- City Market Place · Shopping8 min
- Palm Coast Aquatics Center · Parks9 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Flagler County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Rymfire Elementary SchoolFLDOE grade B · Public K-5, zoned (verify by address at flaglerschools.com/school-zones)
- Indian Trails Middle SchoolFLDOE grade A · Public 6-8, zoned (verify by address at flaglerschools.com/school-zones)
- Flagler-Palm Coast High SchoolFLDOE grade A · Public 9-12, zoned
- Imagine Schools Town Center · Public Charter K-12, nearby
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Flagler County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Belle Terre address.
Recent Developments in Belle Terre
Development, infrastructure, retail, and school activity affecting Belle Terre, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated August 2026.
- July 2026Development
Palm Coast OKs land sale for 36 bed rehabilitation hospital
The Palm Coast City Council, acting as the State Road 100 redevelopment agency board, approved the sale of about 8.5 acres of city owned land to Sanders Trust LLC on July 21, 2026 for a proposed 36 bed inpatient rehabilitation hospital. ClearSky Health would operate the roughly 31 million dollar facility, which must still go through standard development review and permitting before construction.
What it may mean for the marketA new inpatient rehabilitation hospital planned on former city land would add a healthcare facility along the State Road 100 commercial corridor and put an underused parcel into active use, expanding the institutional and commercial building stock. The project is about 6 miles south of Belle Terre, elsewhere in Flagler County.
Source: WFTV - July 2026Infrastructure
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.
What it may mean for the marketA 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 east of Belle Terre, elsewhere in Flagler County.
Source: ClickOrlando - July 2026Civic
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.
What it may mean for the marketA 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 site is about 5 miles southwest of Belle Terre.
Source: Flagler County Buzz - June 2026Development
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.
What it may mean for the marketNew 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 southwest of Belle Terre.
Source: FlaglerLive - June 2026Development
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.
What it may mean for the marketA 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 about 3 miles north of Belle Terre.
Source: FlaglerLive - June 2026Development
Palm Coast approves two commercial developments
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.
What it may mean for the marketTwo 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 about 4 miles north of Belle Terre.
Source: FlaglerLive
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Belle Terre buying strategy.
If we were buying in Belle Terre today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Belle Terre.
What sets Belle Terre apart in Palm Coast
Belle Terre sits within Palm Coast, a planned community in Flagler County that grew in waves over several decades. Unlike some of the city's newer master-planned sections with clubhouses and resort-style pools, Belle Terre offers a quieter, more traditional suburban layout. Homes here vary widely in size, style, and condition—you'll see CBS construction, a mix of one- and two-story layouts, and landscaping that ranges from established to overgrown.
Location within Palm Coast matters. Belle Terre is centrally positioned with access to the city's network of surface streets and proximity to retail along Palm Coast Parkway. The neighborhood is residential in character, without the bundled amenity packages that define some of the newer sections to the west. If you're drawn to Palm Coast for its relative affordability and access to the coast, BelleTre delivers that—but expect to rely on the broader city infrastructure rather than a private amenity set.
The market here reflects the neighborhood's age. Buyers looking for turnkey, updated interiors will compete for a smaller pool of renovated homes. Those willing to take on cosmetic or mechanical updates will find more inventory and negotiating room. The absence of HOA amenities means lower monthly costs, but it also means you're responsible for your own yard, and curb appeal varies block by block.
The location and the amenities are priced into every listing in Belle Terre. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Belle Terre requires a broker who knows how to distinguish between a dated home with good bones and one with deferred systems that will cost you. Momentum Realty has deep experience in Palm Coast's older inventory—we'll walk the property with you, flag the expensive surprises, and help you understand what condition-based pricing looks like in this neighborhood. We also know which blocks hold value better and which updates actually move the needle at resale. If you're selling, we'll stage and price to compete with newer inventory across the city, because that's your real competition.
Belle Terre in 15 seconds.
HOA, CDD & Fees
- No CDD
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Page states no CDD.
Tools for a Belle Terre buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Belle Terre sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Belle Terre, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Belle Terre home worth?
Get a no-obligation home value based on real comparable sales in Belle Terre, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What schools serve Belle Terre?
Who is the best real estate agent for Belle Terre?
How do I find a top Palm Coast real estate agent who knows Belle Terre?
Can Momentum Realty connect me with an agent for Belle Terre?
Should you buy in Belle Terre?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | DBAMLS records, as of 2026-07-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of DBAMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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