
Palm Harbor
Homes for Sale in Palm Coast, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat

Palm Harbor's median sale price sits at $430,000 as of 2026-07-14, per realmls, at $216.61 per square foot. That figure is down 18.1% year over year, but still up 105% since 2012 -- a pocket that ran hard over the past decade and is now cooling from a higher peak rather than genuinely losing value. The typical home here was built in 1987, with the range spanning 1960 to 1997, and a median living area of 1,539 square feet, so this is an established, small-footprint stock rather than new construction.
With only 6 active listings against 2.9 months of supply, the feed reads seller-leaning, but a market heat score of 16 and a median 67 days on market tell a quieter story: thin inventory more than heavy demand. 27 closings in the tracked window and a homestead share of 70% point to a market carried by owner-occupants rather than investors, so pricing here tends to move on individual home condition more than broad competition. No community amenities are identified in current MLS listings, so buyers should verify anything beyond the home itself directly.
Palm Harbor right now
🔴 Seller-leaning market. 2.9 months of supply and 40% of the inventory already under contract give sellers the pressure advantage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of DBAMLS records, as of July 14, 2026. Confidence: Very High (10 active and pending listings, 32 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($414K) is up 2.3% from the prior 12 months ($405K) and up 187% since 2012.Momentum Research, record-level DBAMLS closed sales, 12-month windows ending July 14. Confidence: High (32 and 23 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 14, 2026 · Live data: DBAMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Palm Harbor market snapshot (as of July 14, 2026): the median sale price is about $414K ($231 per sq ft over the trailing 12 months of closed sales), a median 107 days on market for closed sales, and 2.9 months of supply, a seller-leaning market. The trailing-12-month median is up 2% from the prior 12 months and up 187% since 2012, computed from record-level DBAMLS closed sales (32 closings in the current window).
Palm Harbor is a community of 10 homes in Palm Coast, Flagler County, built between 1960 and 1997 (median 1987), with a median living area of about 1,539 square feet. 70% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
A small, older-home pocket of Palm Harbor in Palm Coast, Flagler County, where thin supply rather than heavy demand is setting the seller-leaning tone.
The setting & the homes.
Aerial and on-site photos of Palm Harbor. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from DBAMLS listings in Palm Harbor; content deemed reliable but not guaranteed.
Who Palm Harbor is best for.
Best for
- Buyers comfortable with an older-home stock (built 1960 to 1997) who plan to update rather than buy new construction.
- Owner-occupant buyers targeting the roughly $430,000 median who want a smaller, roughly 1,539-square-foot footprint.
- Sellers who can price against real per-square-foot data ($216.61) in a pocket where only 6 homes are actively competing.
Probably not for
- Buyers who want built-in community amenities as part of the deal -- none are identified from current listings.
- Anyone expecting a fast, high-volume market -- 67 days on market and 27 closings signal a slow, thin pocket.
- Investors expecting a purely appreciation-driven story -- price is down 18.1% year over year even with a 105% gain since 2012.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 14 of each year, from record-level DBAMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($414K) IS the median in the snapshot above, and the move from 2025 ($405K) IS the +2.3% one-year change.
Windows contain 20 to 85 sales each (32 in the current window); every figure carries its sample size. © 2026 Daytona Beach Area Association of REALTORS®, Inc. Deemed reliable but not guaranteed.
Palm Harbor (F-Section) Market Scorecard
Palm Harbor (F-Section) is currently a seller's market. About 2.9 months of supply, a median asking price of $477,500, and homes go under contract in about 98.0 days.
Typical home value in the 32137 ZIP is $383,627, about 2.5% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: © 2026 Daytona Beach Area Association of REALTORS®, Inc. Refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Palm Harbor
Live MLS inventory for Palm Harbor. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 63 daysTop listing
Active · 85 days
Active · 389 days
Active · 111 days
Active · 584 days
Active · 74 days
Pending · 114 days
Pending · 76 days
Pending · 13 days
Pending · 317 daysActive and pending Palm Harbor listings as of 2026-07-14, priced high to low. © 2026 Daytona Beach Area Association of REALTORS®, Inc. Tap any home to ask about it.
Palm Harbor on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from DBAMLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Palm Harbor

- Elevator(s) · reported on 1 of 5 listings
- Jogging Path · reported on 1 of 5 listings
- Marina · reported on 1 of 5 listings
- Pool · reported on 1 of 5 listings
- Secured Elevator · reported on 1 of 5 listings
- Key Card Entry · reported on 1 of 5 listings
- Security Lights · reported on 1 of 5 listings
- Dog Park · reported on 1 of 5 listings
- Gated · reported on 1 of 5 listings
- Pickleball · reported on 1 of 5 listings
Community amenities as reported across DBAAR listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
How far is everything?
Everyday stops around Palm Harbor are close: the nearest groceries is about 5 minutes away.
- Millennium Grocery · Groceries5 min
- Old Kings Commons · Shopping5 min
- La Creperie Kafe · Dining6 min
- James F. Holland Memorial Park · Parks8 min
- Starbucks · Coffee8 min
- AdventHealth Medical Plaza · Health10 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
- Old Kings Elementary SchoolFLDOE grade A · Public K-5
- Indian Trails Middle SchoolFLDOE grade A · Public 6-8
- Matanzas High SchoolFLDOE grade A · Public 9-12
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 Palm Harbor address.
The Palm Harbor buying strategy.
If we were buying in Palm Harbor 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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 Palm Harbor.
The Math Behind a Thin Market
$216.61 per square foot is the cleanest read on value here, since the median price alone can be pulled around by which of the roughly 10 homes in this pocket trade in a given window. With build years ranging from 1960 to 1997 and a median of 1987, condition and updates -- not size -- likely explain most of the price spread within Palm Harbor, since the median living area holds steady near 1,539 square feet.
A 67-day median cuts against the seller-leaning label the 2.9 months of supply implies -- in a pocket this size, a handful of closings can swing the supply math even while individual homes still take over two months to sell. 27 recorded closings against just 6 active listings is a small enough sample that a single new listing or sale can move the read meaningfully, and the 70% homestead share suggests most sellers are moving out of primary residences rather than liquidating rental or investment holdings.
The location and the amenities are priced into every listing in Palm Harbor. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Palm Harbor buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 5 factors (7.5). Basis: Long-Term Appreciation +187% since 2012; Recent Direction +2.3% year-over-year; Liquidity & Demand 2.9 months of supply; Owner Commitment 70% owner-occupied; Pricing Power 95.5% sale-to-list. Refreshed with each data update.
Why work with Momentum in Palm Harbor
In a pocket with only 6 active listings and no identified community amenities to lean on, pricing a home correctly means working from the underlying per-square-foot and days-on-market numbers rather than a handful of comparable sales that may not exist. Momentum builds every Palm Harbor valuation by hand from the current realmls feed rather than an automated estimate, and walks buyers through the 1960-to-1997 build range property by property so condition and age are priced in before an offer goes in, not after inspection.
Palm Harbor in 15 seconds.
HOA, CDD & Fees
- No CDD
- 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.
Page states no CDD.
Tools for a Palm Harbor 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 Palm Harbor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Palm Harbor, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Palm Harbor home worth?
Get a no-obligation home value based on real comparable sales in Palm Harbor, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Palm Harbor on the map →
Frequently Asked Questions
What is the median home price in Palm Harbor?
How long do homes in Palm Harbor take to sell?
Is Palm Harbor a buyer's or seller's market right now?
How many homes are in Palm Harbor?
What share of Palm Harbor is owner-occupied?
When were the homes in Palm Harbor built?
Do cash buyers compete in Palm Harbor?
Have Palm Harbor home prices gone up?
What schools serve Palm Harbor?
Who is the best real estate agent for Palm Harbor?
How do I find a top Palm Coast real estate agent who knows Palm Harbor?
Can Momentum Realty connect me with an agent for Palm Harbor?
Should you buy in Palm Harbor?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Palm Harbor with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | DBAMLS, refreshed twice daily (last: July 14, 2026) |
| Community market stats | DBAMLS closed sales, 12-month windows ending July 14, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (community parcel extract) |
| Under-contract shares | DBAMLS records, as of 2026-07-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2002 (761 transactions analyzed) |
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.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the DBAMLS member average and 8 days faster, and we’ll price yours against live your area comps.
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