Palm Harbor
Homes for Sale in Palm Coast, FL
All 1,293 homes for sale in Palm Coast, FL · median $389,900 · 749 homes for sale in 32137 · Flagler County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of Raina Cronin, Realty Exchange, LLC. · via DBAMLS
As of November 2026, Palm Harbor in Palm Coast, FL has 7 homes for sale and 2 pending, asking from $295,000 to $849,990 (median $410,000). Homes listed or recently sold were built 1985–2025 with 1 new construction; 4 of 21 report an HOA (median $812/mo); none of the 21 geocoded homes sit in a FEMA special flood hazard zone (median elevation 12 ft).
Last 30 days in Palm Harbor: 1 new listing (median asking $849,990), 2 under contract right now, 1 closed sale (median $429,000). As of November 11, 2026, © 2026 Daytona Beach Area Association of REALTORS®, Inc.
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 · 21 daysTop listing
Active · 508 days
Active · 51 days
Active · 230 days
Active · 60 days
Active · 69 days
Active · 193 days
Pending · 87 days
Pending · 67 daysActive and pending Palm Harbor listings as of 2026-11-12, priced high to low. © 2026 Daytona Beach Area Association of REALTORS®, Inc. Tap any home to ask about it.
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.
Figures in this note are as of July 14, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Palm Harbor right now
🟡 Balanced market. 3.7 months of supply and 22% of the inventory already under contract put buyers and sellers on roughly even footing.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 November 9, 2026. Confidence: Medium (9 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 12, 2026 · Live data: DBAMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
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.
Flood zones in Palm Harbor: of 18 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov.
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.
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
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Palm HarborPhotos 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.
The market around Palm Harbor
Palm Harbor is too small for its own price trend, so here is the market around it.
Across Flagler County, 1,578 homes are active and 364 pending (19% under contract).
ZIP and county figures describe the wider market, not Palm Harbor specifically. Momentum Research analysis of MLS records.
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 contributors.
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.
Nearby Communities
Explore more neighborhoods near Palm Harbor with Momentum Realty’s local guides.
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.
Shop the zone: Homes zoned for Old Kings Elementary School · Homes zoned for Matanzas High School
Recent Developments in Palm Harbor
Development, infrastructure, retail, and school activity affecting Palm Harbor, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Parks & 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.
What it may mean for the marketAdded parking and a rentable pavilion expand waterfront recreation access for eastern Palm Coast. The site is about 2 miles southeast of Palm Harbor.
Source: FlaglerLive - October 2026Civic
Judge sends Palm Coast impact fee dispute with home builders toward trial and orders mediation
A circuit judge denied the Flagler Home Builders Association's bid for summary judgment on two counts of its suit over Palm Coast's 2025 impact fee increases, which averaged more than 100 percent. The city keeps collecting the higher fees while a refund order is stayed on appeal, mediation is ordered, and a November hearing will address the stay and escrow.
What it may mean for the marketThe outcome will affect permitting costs for new construction in Palm Coast and could shape the pace and pricing of future builds. The site is less than a mile north of Palm Harbor.
Source: FlaglerLive - October 2026Schools
Flagler School Board weighs $3 million deal toward new Olympic-size YMCA pool at Palm Coast Town Center
The Flagler County School Board is considering giving the Volusia-Flagler YMCA $3 million in exchange for a 35-year lease at a reconfigured Town Center facility costing about $14 million. District swim teams would get priority at an Olympic-size pool, with groundbreaking planned for next winter and completion in 2029. Board members want payments tied to construction milestones.
What it may mean for the marketA new competition-size pool at Town Center would add a regional aquatics amenity and could let the district retire an aging pool. The site is about 2 miles southwest of Palm Harbor.
Source: FlaglerLive - September 2026Retail & Dining
Promenade at Town Center in Palm Coast signs six tenants and opens apartment leasing
The six-building mixed-use project has signed six leases, including 6th Street Deli, Fleet Feet and AdventHealth Sports Rehab, and has begun leasing 204 apartments. It includes roughly 40,000 square feet of retail and 25,000 square feet of medical and office space. Half the buildings remain under construction and no opening date has been set.
What it may mean for the marketAdds near-term retail, medical office and rental apartment options in the Town Center area. The site is about 2 miles south of Palm Harbor.
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 less than a mile north of Palm Harbor.
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 1 mile northeast of Palm Harbor.
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 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.
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 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.
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.
What it really costs to own in Palm Harbor
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $3,806/yr across 12 listings here (MLS tax records, 2026-11-12). |
|---|---|
| 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 depend on roof age, wind mitigation and construction. Flood: of 18 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 1998 across 11 listings. An original roof here would be about 28 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Palm Harbor
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Palm Harbor
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Palm Harbor will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- No CDD
- HOA status not on record. Verify any dues before you offer
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.
Flood & Insurance Context
Of 18 sampled listing addresses in this community: 100% outside the FEMA Special Flood Hazard Area (Zone X/B/C).
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=18) · as of 2026-11
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 all homes for sale in Palm Coast →
Recently off market in Palm Harbor
Homes in Palm Harbor that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 8 on record.
- 15 Crandon Court · off market
- 31 Fleming Court · off market
- 45 Farmsworth Drive · off market
- 49 Matanzas Cove Drive · off market
- 6 Crossleaf Court #E · off market
- 75 Riverview Bend #S · off market
- 88 Covington Lane · off market
- 9 Collingville Court · off market
| Location | Palm Coast, Flagler County, FL |
|---|---|
| Home types (current listings and sales) | single-family 86%, condos 14% |
| Amenities listed by sellers | Elevator(s), Fire Alarm, Gated, Jogging Path, Pickleball, Secured Elevator |
| For sale right now | 7 active, 2 pending · median asking $410,000 · 3.7 months of supply |
| Zoned public schools | Old Kings Elementary School (A, FLDOE 2025-26); Indian Trails Middle School (A, FLDOE 2025-26); Matanzas High School (A, FLDOE 2025-26) |
Data as of November 9, 2026. © 2026 Daytona Beach Area Association of REALTORS®, Inc. Market figures describe homes, not residents. Cite as: Momentum Realty, “Palm Harbor key facts,” movewithmomentum.com/neighborhoods/palm-harbor-palm-coast, data as of November 9, 2026.
Just listed in Palm Harbor
The newest homes for sale in Palm Harbor right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 13 Colleen Court $849,990 · 3 bd · 2 ba · 2,435 sq ft · listed Oct 21, 2026 Courtesy of Florida Bluewater Realty LLC
- 21 Collington Court $499,000 · 3 bd · 2 ba · 1,822 sq ft · listed Sep 21, 2026 Courtesy of Simply Real Estate
- 14 Fernmill Lane $300,000 · 3 bd · 2 ba · 1,630 sq ft · listed Sep 12, 2026 Courtesy of EXP Realty LLC
- 75 Riverview Bend #1624 $300,000 · 3 bd · 2 ba · 1,283 sq ft · listed Sep 3, 2026 Courtesy of RE/MAX Select Professionals
- 50 Florida Park Drive $295,000 · 3 bd · 2 ba · 1,922 sq ft · listed May 2, 2026 Courtesy of RE/MAX Signature
- 89 Felwood Lane $410,000 · 3 bd · 2 ba · 1,823 sq ft · listed Mar 26, 2026 Courtesy of Realty Pros Assured
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Palm Harbor Palm Coast Right Now (9)
All 9 active and pending Palm Harbor Palm Coast listings with a detail page, newest first, refreshed twice a day from the MLS.
- 13 Colleen Court · $849,990 · 3 bd / 2 ba · listed Oct 20, 2026 · listed by Florida Bluewater Realty LLC
- 21 Collington Court · $499,000 · 3 bd / 2 ba · listed Sep 20, 2026 · listed by Simply Real Estate
- 14 Fernmill Lane · $300,000 · 3 bd / 2 ba · listed Sep 11, 2026 · listed by EXP Realty LLC
- 75 Riverview Bend #1624 · $300,000 · 3 bd / 2 ba · listed Sep 2, 2026 · listed by RE/MAX Select Professionals
- 146 Palm Coast Resort Boulevard #209 · $349,900 · 3 bd / 2 ba · pending · listed Aug 29, 2026 · listed by Keller Williams Realty Florida Partners
- 50 Florida Park Drive · $295,000 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by RE/MAX Signature
- 89 Felwood Lane · $410,000 · 3 bd / 2 ba · listed Aug 13, 2026 · listed by Realty Pros Assured
- 146 Palm Coast Resort Boulevard #501 · $515,000 · 3 bd / 3 ba · listed Aug 13, 2026 · listed by Watson Realty Corp
- 3 Cochran Lane · $732,000 · 4 bd / 3 ba · pending · listed Aug 13, 2026 · listed by Tavolacci Realty, Inc
Recently sold in Palm Harbor Palm Coast
- 45 Farmsworth Drive · sold $429,000
- 49 Matanzas Cove Drive · sold $385,000
- 9 Collingville Court · sold $700,000
- 15 Crandon Court · sold $580,000
- 6 Crossleaf Court #E · sold $567,500
Closed sales from the MLS; each page shows the sold price, taxes and value history.
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Palm Coast guides & data
- Market data
- Cost of living
- Best neighborhoods
- Property taxes (Flagler County)
- Homestead exemption (Flagler County)
- Home insurance cost
- ZIP codes
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
Real estate agent in Palm Coast? Join Momentum in Palm Coast: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Florida Park Drive (52 homes on record)
- Farragut Drive (44 homes on record)
- Colechester Lane (36 homes on record)
- Fleetwood Drive (35 homes on record)
- Frontier Drive (34 homes on record)
- Cochise Court (33 homes on record)
- Cimmaron Drive (32 homes on record)
- Longview Way N (30 homes on record)
- Foxhall Lane (29 homes on record)
- Flamingo Drive (28 homes on record)
- Felshire Lane (27 homes on record)
- Foster Lane (26 homes on record)
Palm Harbor (F-Section) Market Scorecard
Palm Harbor (F-Section) is currently a balanced market. About 3.7 months of supply, a median asking price of $410,000, and homes go under contract in about 70 days.
Typical home value in the 32137 ZIP is $386,060, about 3.4% 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.
Price History: What Homes Here Have Actually Sold For
Median sale prices in Palm Harbor Palm Coast year by year since 2012, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Frequently Asked Questions
Is Palm Harbor a buyer's or seller's market right now?
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?
Where is Palm Harbor, and what county is it in?
How far is Palm Harbor from downtown Jacksonville and the beach?
Is Palm Harbor in a flood zone?
Should you buy in Palm Harbor?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | DBAMLS, refreshed twice daily (last: November 12, 2026) |
| Under-contract shares | DBAMLS records, as of 2026-11-09 |
| 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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