Palm Harbor in Palm Coast
Photo courtesy of Raina Cronin, Realty Exchange, LLC. · via DBAMLS

Palm Harbor
Homes for Sale in Palm Coast, FL

Community in Palm Coast · Flagler County · ZIP 32137
10 homesBuilt 1960–1997Median sale $414K
Free · No obligation
Talk to a Palm Harbor Expert

True comps, carrying-cost math, and listings before the portals.

Live Market Pulse
47/100
Market Heat
Normal for Palm Harbor
2013 → 2026 · 87 at the 2022 peak
0 is Palm Harbor's coldest market since 2013, 100 its hottest. Today: 47. How it's scored
Built fromLive DBAMLS data24 years of closingsFL DOR public recordsUpdated twice daily
Live · Palm Harbor Housing Pulse DBAMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 8,500+ transactions · Top 1% in Florida (RealTrends)
Price
$414K
Median sold · 12 mo
up 2.3% vs the prior 12 months
+2.3%
1-yr price change
n = 32 and 23 sales in the two windows
$231/sf
Sold $/sqft · 12 mo
peak $248 in 2023
95.5%
Sale vs ask
Flagler median: 94.3%
+187%
T12M median vs 2012
from a $144K median in 2012
Tempo
2.9mo
Supply
3 to 6 months is the balanced band
107days
Median DOM · closed
52 days at the 2022 low
40%
Under contract
Flagler: 23% (370 of 1,638)
6 · 4
For sale · pending
live counts, refreshed twice daily
32
Sold · last 12 mo
10-yr average: about 46 a year
Ownership and context
70%
Owner-occupied · Palm Harbor
7 of 10 parcels homesteaded (FL DOR 2025)
30%
Non-owner-occupied · Palm Harbor
incl. 0% trust or LLC-held · 10% out-of-state
36%
Cash buyers · Palm Harbor
11 of 31 sales, 12 mo ending June 2026
10
Homes in the community
10 residential parcels (FL DOR 2025)
Track record · 24 years of records
Est. 1960
Community established
homes built 1960-1997, median 1987 (FL DOR 2025)
11
Failed listings · 2026
peaked at 153 in 2008
1,918sqft
Median sold home size
12-mo windows, closed sales
320.0%/yr
Turnover rate
about 32 of 10 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

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 Housing Pulse · Momentum Research · as of July 14, 2026

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.

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.

Median sale price · trailing 12 mo
$200K$400K20122014201620182020202220242026
Up 2.3% year over year; up 187% since 2012.
Every sale since 2002 · price vs size
$0$500K$1M$1.5M2k4k
761 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Sold $ per sq ft · trailing 12 mo
$100$20020122014201620182020202220242026
Up from $92 in 2012 to a $248 peak in 2023; $231 now.
Median days on market · closed sales
507510012520122014201620182020202220242026
52 days at the 2022 low; 107 now.
Sale price vs original ask · median
90%95%20122014201620182020202220242026
95.5% now vs Flagler 94.3%.
Homes sold per 12-mo window
025507520122014201620182020202220242026
20 to 85 a year; 32 in the current window.
Indexed since 2012 · Palm Harbor vs Flagler
100200300Flagler +233%Palm Harbor +187%20122014201620182020202220242026
Same DBAMLS record, indexed to 100 at 2012.
Sellers who gave up · failed listings per year
05010015020002004200820122016202020242026
Canceled, expired, or withdrawn. 153 quit in 2008; 11 so far in 2026. The clearest stress gauge a community has.
Market Heat · 0 coldest, 100 hottest in the record
20406080seller-leaningbuyer-leaning2014201620182020202220242026
87 at the 2022 peak, 29 in the troughs, 47 now. Same score as the hero card, full history.

Palm Harbor (F-Section) Market Scorecard

Seller's Market

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.

2.9
Months supply
$477,500
Median list
$409,500
Median sold
$225
Per sqft
98.0
Days on mkt
6/4/25
Active/Pend/Sold

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 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.

Listing locations from DBAMLS. Map data © OpenStreetMap, tiles © CARTO.

Palm Harbor

Community amenities as reported across DBAAR listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.

The takeaway

Everyday stops around Palm Harbor are close: the nearest groceries is about 5 minutes away.

Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.

Schools

In short
  • 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.

If we were buying in Palm Harbor 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

Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.

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 Palm Harbor.

Best Buy
Buyers and sellers of established, smaller-footprint homes built between 1960 and 1997 who want a straightforward, low-competition transaction.
Biggest Risk
A small sample of just 6 active listings and 27 closings means pricing swings can happen fast on a single sale.
Sweet Spot
Move-in-ready homes near the median $430,000 and 1,539 square feet, priced against the $216.61 per-square-foot benchmark.
Avoid If
You need built-in community amenities as part of the purchase -- none are identified in current MLS listings here.

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.

Jon Brooks · Founder, Momentum Realty
7.5B · Buy Score
Long-Term Appreciation10.0/10
Recent Direction6.6/10
Liquidity & Demand7.1/10
Owner Commitment7.0/10
Pricing Power7.0/10

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.

Best forBuyers and sellers of established, smaller-footprint homes built between 1960 and 1997 who want a straightforward, low-competition transaction.
Biggest advantageThin supply keeps sellers in a seller-leaning position even though overall demand, per the market heat score, is quiet.
Biggest riskA small sample of just 6 active listings and 27 closings means pricing swings can happen fast on a single sale.
Sweet spotMove-in-ready homes near the median $430,000 and 1,539 square feet, priced against the $216.61 per-square-foot benchmark.
Avoid ifYou need built-in community amenities as part of the purchase -- none are identified in current MLS listings here.

HOA, CDD & Fees

In short
  • 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.

The takeaway

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.

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 →

Real comps, not an automated estimate.

Frequently Asked Questions

What is the median home price in Palm Harbor?
The median sale price in Palm Harbor was $414K over the 12 months ending July 14, 2026 (32 closed sales, DBAMLS).
How long do homes in Palm Harbor take to sell?
Homes that closed in the 12 months ending July 14, 2026 took a median 107 days on market (32 sales, DBAMLS).
Is Palm Harbor a buyer's or seller's market right now?
As of July 14, 2026, Palm Harbor leans toward sellers: 2.9 months of supply at the current sales pace (DBAMLS live counts).
How many homes are in Palm Harbor?
The Florida DOR 2025 assessment roll shows 10 homes in Palm Harbor (public records).
What share of Palm Harbor is owner-occupied?
70% of Palm Harbor parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Palm Harbor built?
Homes in Palm Harbor were built between 1960 and 1997, with a median year built of 1987 (FL DOR 2025 roll).
Do cash buyers compete in Palm Harbor?
Cash buyers took 36% of Palm Harbor sales in the 12 months ending June 2026 (11 of 31 closings, DBAMLS).
Have Palm Harbor home prices gone up?
The trailing-12-month median is up 187% since 2012, from $144K to $414K (DBAMLS closed records).
What schools serve Palm Harbor?
Palm Harbor is served by Flagler County Public Schools, typically Old Kings Elementary School, Indian Trails Middle School and Matanzas High School. Confirm the exact zoning by address with the district.
Who is the best real estate agent for Palm Harbor?
The best agent for Palm Harbor is one who actively works Palm Coast and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Palm Harbor.
How do I find a top Palm Coast real estate agent who knows Palm Harbor?
Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Palm Harbor and the wider Palm Coast area.
Can Momentum Realty connect me with an agent for Palm Harbor?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Palm Harbor purchase or sale - no call center and no pressure.
Buyers comfortable with an older-home stock (built 1960 to 1997) who plan to update rather than buy new construction.Excellent fit
Owner-occupant buyers targeting the roughly $430,000 median who want a smaller, roughly 1,539-square-foot footprint.Excellent fit
Sellers who can price against real per-square-foot data ($216.61) in a pocket where only 6 homes are actively competing.Excellent fit
Buyers who want built-in community amenities as part of the deal -- none are identified from current listings.Probably not
Anyone expecting a fast, high-volume market -- 67 days on market and 27 closings signal a slow, thin pocket.Probably not
Investors expecting a purely appreciation-driven story -- price is down 18.1% year over year even with a 105% gain since 2012.Probably not

Nearby Communities

Explore more neighborhoods near Palm Harbor with Momentum Realty’s local guides.

TPToscana Palm CoastPalm Coast, FL · 0.5 miCCCountry Club Cove Palm CoastPalm Coast, FL · 0.9 miTPTidelands Palm CoastPalm Coast, FL · 1.0 miMCMarina Cove Palm CoastPalm Coast, FL · 1.1 miYHYacht Harbor Village Palm CoastPalm Coast, FL · 1.4 miTSThe Sanctuary Palm CoastPalm Coast, FL · 1.5 miRCRitz Carlton Residences At Hammock Dunes Palm CoastPalm Coast, FL · 1.6 miMPMatanzas Park Palm CoastPalm Coast, FL · 1.6 mi

Browse all Florida neighborhood guides →

Data sources & freshness

Live listingsDBAMLS, refreshed twice daily (last: July 14, 2026)
Community market statsDBAMLS closed sales, 12-month windows ending July 14, 2026
Housing stock & ownershipFlorida DOR 2025 assessment roll (community parcel extract)
Under-contract sharesDBAMLS records, as of 2026-07-12
Schools2025-26 district assignments + FLDOE school grades; verify with the district
Historical depthClosed-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.

Looking to buy here? Search homes for sale →

What’s your home worth in your area?

A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.

By submitting, you agree that EAB RE INVESTMENTS LLC (Momentum Realty) and its agents may call, email, and text you about your inquiry, which may involve automated means and prerecorded or artificial voices. You do not need to consent as a condition of buying any property, goods, or services. To opt out, reply STOP at any time or reply HELP for assistance. You can also click the unsubscribe link in emails. Message and data rates may apply. Message frequency may vary. See our Privacy Policy and SMS Terms.or call (904) 351-6461
CallFree valuation →
Talk to a Local Palm Harbor Expert
Call Get Listings