Palm Harbor
Homes for Sale in Palm Coast, FL
All 114 homes for sale in Palm Coast, FL · median $399,400 · 691 homes for sale in 32137 · Flagler County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo courtesy of Raina Cronin, Realty Exchange, LLC. · via DBAMLS
As of October 2026, Palm Harbor in Palm Coast, FL has 9 homes for sale, asking from $299,000 to $738,300 (median $410,000). Over the 12 months ending 2026-09-03, 31 recorded sales closed at a median of $483,000, $250 per square foot, a median 105 days on market, sellers accepting 95% of original asking (+22% versus the prior year). Homes listed or recently sold were built 1978–2025 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). At the median price and Flagler County's FY2025-26 rate of 14.65 mills, annual property tax runs about $7,070 ($6,500 with the full homestead exemption).
| Location | Palm Coast, Flagler County, FL · ZIP 32137 |
|---|---|
| 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 |
| Sale prices, last 12 months | $483,000 median across 31 closed sales · $250 per sq ft · +21.5% vs the prior 12 months |
| Days on market (closed sales) | 105 median |
| For sale right now | 8 active, 1 pending · median asking $434,500 · 4.0 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 September 3, 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 September 3, 2026.
Last 30 days in Palm Harbor: 2 new listings (median asking $305,000), 1 closed sale (median $385,000). As of October 2, 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 · 65 daysTop listingActive · 140 days
Active · 466 days
Active · 40 days
Active · 188 days
Active · 57 days
Active · 27 days
Active · 18 days
Active · 151 daysActive and pending Palm Harbor listings as of 2026-10-01, priced high to low. © 2026 Daytona Beach Area Association of REALTORS®, Inc. Tap any home to ask about it.
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.
- 14 Fernmill Lane · $300,000 · 3 bd / 2 ba · listed Sep 11, 2026 · listed by EXP Realty LLC
- 75 Riverview Bend #S · $310,000 · 3 bd / 2 ba · listed Sep 3, 2026 · listed by RE/MAX Select Professionals
- 45 Farmsworth Drive · $429,000 · 4 bd / 3 ba · listed Aug 21, 2026 · listed by Realty Executives Oceanside
- 146 Palm Coast Resort Boulevard #209 · $349,900 · 3 bd / 2 ba · listed Aug 4, 2026 · listed by Keller Williams Realty Florida Partners
- 3 Cochran Lane · $738,300 · 4 bd / 3 ba · listed Jul 27, 2026 · listed by Tavolacci Realty, Inc
- 31 Fleming Court · $634,000 · 3 bd / 2 ba · listed Jul 2, 2026 · listed by Realty Exchange, LLC.
- 50 Florida Park Drive · $299,000 · 3 bd / 2 ba · listed Jul 2, 2026 · listed by RE/MAX Signature
- 89 Felwood Lane · $410,000 · 3 bd / 2 ba · listed Jul 2, 2026 · listed by Realty Pros Assured
- 146 Palm Coast Resort Boulevard #501 · $515,000 · 3 bd / 3 ba · listed Jul 2, 2026 · listed by Watson Realty Corp
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
🟡 Balanced market. 4.0 months of supply and 11% 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 September 3, 2026. Confidence: Very High (9 active and pending listings, 31 closed sales in 12 months).
🟢 Still climbing. The trailing-12-month median ($483K) is up 21.5% from the prior 12 months ($397K) and up 176% since 2012.Momentum Research, record-level DBAMLS closed sales, 12-month windows ending September 3. Confidence: High (31 and 28 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 2, 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 September 3, 2026): the median sale price is about $483K ($250 per sq ft over the trailing 12 months of closed sales), a median 105 days on market for closed sales, and 4.0 months of supply, a balanced market. The trailing-12-month median is up 22% from the prior 12 months and up 176% since 2012, computed from record-level DBAMLS closed sales (31 closings in the current window).
In ZIP 32137 (Palm Coast), 222 homes closed in the last 12 months at a median of $301K ($173/sq ft), down 1.2% year over year, with a median 59 days on market. Right now 40 active and 22 pending listings put supply at about 3.5 months — a balanced market. See the live ZIP 32137 housing market and the Flagler County market.
DBAAR sales records identify 2,892 homes in Palm Harbor that have changed hands since 2005, built between 1971 and 2026 (median 1993), with a median living area of about 1,902 sq ft and a typical 3-bedroom, 2-bath layout; 92% are single-family homes. Source: DBAAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Flood zones in Palm Harbor: of 19 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.
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
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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.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 3 of each year, from record-level DBAMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($483K) IS the median in the snapshot above, and the move from 2025 ($397K) IS the +21.5% one-year change.
Windows contain 20 to 81 sales each (31 in the current window); every figure carries its sample size. © 2026 Daytona Beach Area Association of REALTORS®, Inc. Deemed reliable but not guaranteed.
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.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Flagler County scorecard.
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.
21% of homes for sale in ZIP 32137 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-02).
Palm Harbor (F-Section) Market Scorecard
Palm Harbor (F-Section) is currently a buyer-leaning market. About 4.7 months of supply, a median asking price of $410,000, and homes go under contract in about 67 days.
Typical home value in the 32137 ZIP is $383,010, about 2.0% 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.
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.
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 August 2026.
- 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 7 miles southeast of Palm Harbor, elsewhere in Flagler County.
Source: ClickOrlando - July 2026Development
Planning board recommends denial of 21,920 home western expansion
The Palm Coast Planning Board voted 5 to 0 on July 15, 2026 to recommend denial of future land use and zoning map amendments for the Radiant Palm Coast westward expansion, which proposes up to about 21,920 homes across roughly 20,144 acres. Board members said they wanted more detail and coordination with the county and school district, and the City Council will make the final decision.
What it may mean for the marketA planning board recommendation to deny land use and zoning changes keeps a very large western residential expansion on hold, leaving the affected land west of the city in its current designation pending further review and a City Council decision. The project is about 7 miles west of Palm Harbor, elsewhere in Flagler County.
Source: Flagler County Buzz - 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 project is about 8 miles south of Palm Harbor, elsewhere in Flagler County.
Source: Flagler County Buzz - 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 - 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 4 miles southwest 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.
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 4 factors (8.2). Basis: Long-Term Appreciation +176% since 2012; Recent Direction +21.5% year-over-year; Liquidity & Demand 4.0 months of supply; Pricing Power 95.2% 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
- HOA dues reported around $110/month (about $1,320/yr) · median of 13 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $110 per month ($1,320 a year) — the median AssociationFee across 13 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
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 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. 5 on record.
- 15 Crandon Court · off market
- 49 Matanzas Cove Drive · off market
- 6 Crossleaf Court #E · off market
- 88 Covington Lane · off market
- 9 Collingville Court · off market
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
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?
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?
Where is Palm Harbor, and what county is it in?
Is Palm Harbor in a flood zone?
Is Palm Harbor a good place to live?
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: October 1, 2026) |
| Community market stats | DBAMLS closed sales, 12-month windows ending September 3, 2026 |
| Under-contract shares | DBAMLS records, as of 2026-08-30 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2002 (768 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 local comps.
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See how Palm Harbor fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Palm Harbor
- Home values · What homes in Palm Harbor actually sell for
- Find an agent · How to choose the best real estate agent in Palm Harbor