Coastal Gardens
Homes for Sale in Palm Coast, FL

Community in Palm Coast · Flagler County · ZIP 32164
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True comps, carrying-cost math, and listings before the portals.

Built fromLive DBAMLS dataUpdated twice daily
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Coastal Gardens is a two-builder, new-construction single-family community in Palm Coast's P-Section, and the read is about which builder, which plan, and the carrying cost rather than amenities or history. Richmond American and D.R. Horton are both delivering here, with base pricing from the low-$320s to mid-$330s and homes running roughly 1,500 to 2,500 square feet — squarely in the entry-to-mid band of the Flagler new-construction market. A published HOA of about $650 a year is one of the few confirmed numbers, which is itself useful in a county where fee structures vary.

The honest work is that there is no Coastal Gardens resale record in the local feed yet, the two builders price and spec their homes differently, and the amenity package is light. Buyers should compare the Richmond American and D.R. Horton offerings plan-for-plan, confirm whether any CDD applies on top of the HOA, and treat the lot and finish level as the real levers.

Best for

  • You want a brand-new single-family home in a central, established Palm Coast location
  • You value comparing two national builders on the same street
  • You want a confirmed HOA figure going in rather than an unknown
  • You will price the same square footage across both builders and confirm any CDD before committing
  • You are open to move-in-ready inventory as well as to-be-built homes

Probably not for

  • You want a gated or amenity-rich community with a clubhouse and pool
  • You are shopping for the absolute lowest new-construction entry price
  • You want high-end or heavily customized finishes
  • You want an established resale track record before you buy
  • You are unwilling to compare builder spec sheets and verify fees in writing

The market around Coastal Gardens

Coastal Gardens is too small for its own price trend, so here is the market around it.

Across Flagler County, 1,268 homes are active and 370 pending (23% under contract).

ZIP and county figures describe the wider market, not Coastal Gardens specifically. Momentum Research analysis of MLS records.

If we were buying in Coastal Gardens today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Coastal Gardens.

Best Buy
buyers who want builder choice on a brand-new home in a central, established Palm Coast location.
Biggest Risk
A light amenity package, no resale history yet, and finish levels that vary between the two builders.
Sweet Spot
The best plan-for-plan value after pricing the same square footage across Richmond American and D.R. Horton.
Avoid If
you want a gated or amenity-rich community, the lowest entry price, custom finishes, or a proven resale record.

One address, two builders

Coastal Gardens' distinguishing feature is that Richmond American and D.R. Horton are both building here, which turns the community into a side-by-side comparison for the same buyer. Richmond American leans toward a slightly larger, more finish-forward product in the mid-$330s to low-$400s; D.R. Horton competes on value and move-in-ready inventory from the high-$330s. Same neighborhood, two spec philosophies — so the plan-for-plan comparison is the whole game.

Homes run roughly 1,500 to 2,500 square feet in three-to-five-bedroom layouts. Because both builders standardize their lineups, the meaningful variables are the lot, the elevation, and each builder's included features. Ask each sales team for the standard-features sheet and price the same square footage across both before deciding — the sticker difference often reflects what is included rather than the house itself.

Living Here — Coastal Gardens sits in the established P-Section grid of Palm Coast, with quick access to Royal Palms Parkway, the Town Center commercial area, and an I-95 interchange for commutes toward St. Augustine or Daytona Beach. Flagler Beach is a short drive east. Expect a light in-community amenity set — this is a rooftops-first community that relies on Palm Coast's surrounding parks, trails, and Town Center services rather than an internal clubhouse.

Before You Offer — Confirm the all-in monthly. The roughly $650 annual HOA is published, but confirm what it covers and ask each builder specifically whether any CDD or special assessment applies on top of it. Compare the two builders' warranties and standard finishes, and get the difference between base and model-home pricing in writing so you are comparing the same house.

Verify the lot and the site details — pull the FEMA flood zone for the exact parcel, confirm internet service, and check the elevation and drainage on P-Section lots. Because both builders carry move-in-ready inventory here, also weigh a completed home against a to-be-built one; the incentives frequently differ.

Coastal Gardens vs. Comparable Palm Coast new-construction communities — Its closest peer is Sabal Preserve, the nearby Starlight Homes community at Royal Palms Parkway and Town Center Boulevard, which generally undercuts Coastal Gardens on entry price while Coastal Gardens steps up in square footage, finish, and builder choice. Against Seminole Palms on Seminole Woods Boulevard — also a Pulte and Richmond American community — Coastal Gardens competes on the same buyer, with Seminole Palms offering a more developed amenity plan and Coastal Gardens offering the two-builder comparison and an established P-Section location.

Against KB Home's Whiteview Village and Somerset in the Palm Coast Park plan along U.S. 1, Coastal Gardens trades their U.S. 1 corridor and KB's build-to-order model for a more central P-Section address and two competing builders on one street. The honest shorthand: choose Coastal Gardens for builder choice, a confirmed HOA, and a central Palm Coast location, and accept a light amenity package and no resale history yet; choose Sabal Preserve for a lower entry price, Seminole Palms for more amenities, or Whiteview Village and Somerset for the U.S. 1 corridor.

Who It Fits BestCoastal Gardens fits a buyer who wants a brand-new single-family home in an established, central Palm Coast location, values being able to compare two national builders on one street, and wants a confirmed fee structure going in. It is a weaker fit for a buyer who wants a gated or amenity-rich community, the absolute lowest entry price, high-end custom finishes, or a proven resale track record before committing.

The location and the amenities are priced into every listing in Coastal Gardens. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why Momentum

Most pages on a brand-new community like this are an automated estimate wrapped in stock copy. This one is built from the live DBAMLS feed, Flagler County closed-sale patterns, and a plain read of what actually moves value on an entry-to-mid Palm Coast tract — builder spec, lot position, and carrying cost. No automated valuation, no guesswork.

Coastal Gardens in 15 seconds.

Best forbuyers who want builder choice on a brand-new home in a central, established Palm Coast location.
Biggest advantageTwo national builders on one street, a confirmed ~$650/yr HOA, and quick Town Center and I-95 access.
Biggest riskA light amenity package, no resale history yet, and finish levels that vary between the two builders.
Sweet spotThe best plan-for-plan value after pricing the same square footage across Richmond American and D.R. Horton.
Avoid ifyou want a gated or amenity-rich community, the lowest entry price, custom finishes, or a proven resale record.

HOA, CDD & Fees

In short
  • Mandatory HOA — confirm current dues
  • 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.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Coastal Gardens sales matched to your home.

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Real comps, not an automated estimate.
You want a brand-new single-family home in a central, established Palm Coast locationExcellent fit
You value comparing two national builders on the same streetExcellent fit
You want a confirmed HOA figure going in rather than an unknownExcellent fit
You will price the same square footage across both builders and confirm any CDD before committingExcellent fit
You are open to move-in-ready inventory as well as to-be-built homesExcellent fit
You want a gated or amenity-rich community with a clubhouse and poolProbably not
You are shopping for the absolute lowest new-construction entry priceProbably not
You want high-end or heavily customized finishesProbably not
You want an established resale track record before you buyProbably not
You are unwilling to compare builder spec sheets and verify fees in writingProbably not

Data sources & freshness

Under-contract sharesDBAMLS records, as of 2026-07-12

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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The real cost & risk here

Before the list price, the Florida math the portals skip. These are Flagler County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,133/mo
Flagler County typical true cost to own
$136/mo
Flagler County typical home insurance
Check CDD
Confirm before you offer

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.