Duplex
4 Pony Ln · Palm Coast, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 9/10 · Severe
- Hot days now (above 106°F)
- 7 days/yr
- Hot days in 30 yrs
- 21 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- ARV discount +15.0/15.0
- Cash flow +10.2/30.0
- Schools +4.9/10.0
- Livability +3.5/5.0
- 1% rule +3.0/10.0
- DSCR +2.9/10.0
- Condition / age +2.8/5.0
- Rent growth +2.5/5.0
- Appreciation +0.0/10.0
$399,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Multi-family units
County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed
Listing remarks
Investment opportunity awaits! This duplex offers two units, each featuring 2 bedrooms and 2 bathrooms. Unit B is currently rented for $1,550 per month with a lease in place through April 2027, providing immediate and stable income. A new A/C for Unit B was installed in June of 2025. The other unit "A" is vacant and ready for an owner-occupant or a new tenant to maximize rental potential. Unit A - A/C was replaced in May of 2022. The sale includes newer garage door openers and most appliances. It has been completely painted and partially fenced for your additional privacy.
Key facts
- New ac unit
- Original tile roof
- Strong rental appeal
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2 × 2-bed/2-bath units multifamily listed at $399k. Condition is rated average.
Deal economics
- At list price, monthly cash flow is $-229 ($-3k/yr) — negative. Per door: $-115/mo.
- To cash-flow at today's rent, offer at most $366k (8.3% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $320k (19.8% below list).
- Recommended offer: $320k (19.8% below list) — sets the bar for 1% rule.
- Cap rate 5.6% vs local median 3.7% in Palm Coast — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 69/100 on livability (#478 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, cost of living B+; Watch: amenities F, commute F.
- Flagler (rural): math 53% / reading 56% proficiency, ranked #20 of 73 in FL (top 27%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- Zoned schools: Rymfire Elementary School (math 55% / reading 55%, grade C, #872 of 2,144 statewide, top 42%, 892 students, 67% FRL); Buddy Taylor Middle School (math 50% / reading 45%, grade C-, #288 of 571 statewide, top 51%, 1,343 students, 63% FRL); Flagler-Palm Coast High School (math 36% / reading 51%, grade F, #248 of 667 statewide, top 38%, 2,523 students, 52% FRL).
- Market conditions: 1737 active listings in the ZIP; 34 comparable units currently listed for rent nearby; rentals lingering (median 79d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 62% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 2,588 units permitted in Flagler County in 2024 (0 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $12k of value loss. Plan a longer hold.
- Flagler County population projected at +28% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 132 days — a 12% lower offer ($351k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- It's been on market 132 days. Have you received any prior offers? Is the seller open to a 20% concession, seller financing, or rate buy-down credit?
- Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
- What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 0.80% ✗
- Cap rate
- 5.60%
- Cash-on-cash
- -2.46%
- DSCR
- 0.89
- GRM
- 10.4
CMA / ARV
- ARV (median comp)
- $490,099
- List price
- $399,000
- Delta
- -18.59%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 37 Ponce Preserve Dr | 0.03mi | 4/3.0 | 2,070 (-9%) | 0mo | $366,997 | $177 | 71 |
| 61 Ponce Preserve Dr | 0.21mi | 4/3.0 | 2,388 (+5%) | 0mo | $387,032 | $162 | 70 |
| 49 Ponce Preserve Dr | 0.12mi | 4/3.0 | 2,070 (-9%) | 0mo | $358,080 | $173 | 67 |
| 53 Ponce Preserve Dr | 0.15mi | 4/3.0 | 2,070 (-9%) | 0mo | $294,720 | $142 | 66 |
| 33 Phoenix Ln | 0.16mi | 4/2.0 | 1,960 (-14%) | 0mo | $338,000 | $172 | 61 |
| 38 Pittwick Ln | 0.38mi | 3/2.0 (-1) | 2,506 (+10%) | 0mo | $237,000 | $95 | 52 |
| 36 Rymshaw Dr | 0.79mi | 4/3.0 | 2,265 (-1%) | 0mo | $375,900 | $166 | 52 |
| 47 Riverview Dr | 1.46mi | 4/2.0 | 2,148 (-6%) | 0mo | $389,900 | $182 | 47 |
| 1 Ryding Ln | 1.32mi | 5/3.0 (+1) | 2,400 (+5%) | 0mo | $349,000 | $145 | 39 |
| 17 Mulberry Rd | 1.22mi | 3/3.0 (-1) | 2,129 (-6%) | 0mo | $385,000 | $181 | 37 |
| 15 Poinsettia Ln | 0.66mi | 3/2.0 (-1) | 2,013 (-12%) | 0mo | $325,000 | $161 | 36 |
| 27 Porwyn Ln | 0.88mi | 3/2.0 (-1) | 1,795 (-21%) | 0mo | $315,000 | $175 | 27 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 3.0% rent growth · sell at horizon
- IRR
- -20.4%
- Equity multiple
- 0.29×
- Total profit
- $-79,217
- Equity at exit
- $59,492
- IRR
- -13.5%
- Equity multiple
- 0.22×
- Total profit
- $-87,598
- Equity at exit
- $34,498
Cash invested: $111,720 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 87 Strongly Landlord-Friendly
- State Florida
- 87 Strongly Landlord-Friendly · R+3
- County
- — inherits STATE
- City
- — inherits STATE
Active competition Active MLS
- For sale now
- 2 active
- Median asking
- $437,000 ($209/sqft)
- Median days on market
- 113 d
- This list price
- lowest-priced of the active set
- ARV vs active asking
- +2.9% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 32164
- Home prices YoY
- -6.3%
- Active inventory
- 1737
- Price-to-rent
- 20.8×
Monthly cashflow live
- Estimated rent
- $3,200 high interval (Pro) →
- Mortgage (P&I)
- −$2,092
- Tax est. 1.5%
- −$499 /mo · $5,985/yr
- Insurance
- −$166
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$672
- Net cashflow
- $-229
2-unit breakdown (identical units grouped — click to expand)
| Units | Beds | Baths | Est. rent |
|---|---|---|---|
| 2× units | 2 | 2 | $3,200 |
| #1 | 2 | 2 | $1,600 |
| #2 | 2 | 2 | $1,600 |
| Total (2 units) | $3,200 | ||
Break-even live
Sensitivity live
| Price | -10% $46 | -5% $-92 | +0% $-229 | +5% $-367 | +10% $-505 |
|---|---|---|---|---|---|
| Rent | -10% $-482 | -5% $-356 | +0% $-229 | +5% $-103 | +10% $23 |
| Rate | -1.0pp $-28 | -0.5pp $-128 | base $-229 | +0.5pp $-333 | +1.0pp $-438 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $99,750
- Closing costs
- $11,970
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 4 Pony Ln Unit A Palm Coast, FL | 2.0 | 2.0 | 1139 | $1,600 | $1.40 | 9d | 1 | 0.02mi |
| 7 Pony Express Dr Unit A Palm Coast, FL | 3.0 | 2.0 | 1350 | $1,750 | $1.30 | 119d | 1 | 0.04mi |
| 9 Pony Express Dr Palm Coast, FL | 2.0 | 2.0 | 1400 | $1,450 | $1.04 | 119d | 1 | 0.05mi |
| 11 Pony Ln Unit B Palm Coast, FL | 3.0 | 2.0 | 1226 | $1,600 | $1.31 | 88d | 1 | 0.08mi |
| 43 Ponce Deleon Dr Unit B Palm Coast, FL | 3.0 | 2.0 | 1298 | $1,775 | $1.37 | 62d | 1 | 0.08mi |
| 5 Pontiac Ln Unit B Palm Coast, FL | 3.0 | 2.0 | 1306 | $1,350 | $1.03 | 9d | 1 | 0.09mi |
| 11 Pontiac Ln Unit B Palm Coast, FL | 3.0 | 2.0 | 1286 | $1,600 | $1.24 | 78d | 1 | 0.11mi |
| 21 Pony Express Dr Unit A Palm Coast, FL | 3.0 | 2.0 | 1287 | $1,700 | $1.32 | 9d | 1 | 0.13mi |
| 12 Ponderosa Ln Palm Coast, FL | 3.0 | 2.0 | 1270 | $1,829 | $1.44 | 62d | 1 | 0.13mi |
| 23 Pony Express Dr Palm Coast, FL | 2.0 | 2.0 | 977 | $1,525 | $1.56 | 9d | 1 | 0.15mi |
| 36 Pony Express Dr Unit A Palm Coast, FL | 3.0 | 2.0 | 1400 | $1,595 | $1.14 | 2d | 1 | 0.17mi |
| 17 Ponderosa Ln Palm Coast, FL | 3.0 | 2.0 | 1287 | $1,575 | $1.22 | 119d | 1 | 0.19mi |
| 44 Pony Express Dr Palm Coast, FL | 3.0 | 2.0 | 1287 | $1,645 | $1.28 | 9d | 1 | 0.20mi |
| 30 Pony Ln Unit A Palm Coast, FL | 3.0 | 2.0 | 1198 | $1,600 | $1.34 | 117d | 1 | 0.22mi |
| 29 Pony Ln Unit A Palm Coast, FL | 3.0 | 2.0 | 1500 | $1,595 | $1.06 | 9d | 1 | 0.22mi |
| 27 Ponderosa Ln Palm Coast, FL | 2.0 | 2.0 | 977 | $1,375 | $1.41 | 9d | 1 | 0.25mi |
| 65 Pony Ln Unit A Palm Coast, FL | 3.0 | 2.0 | 1250 | $1,495 | $1.20 | 9d | 1 | 0.26mi |
| 53 Pony Express Dr Palm Coast, FL | 3.0 | 2.0 | 1305 | $1,595 | $1.22 | 119d | 1 | 0.27mi |
| 55 Pony Express Dr Unit A Palm Coast, FL | 3.0 | 2.0 | 1208 | $1,550 | $1.28 | 0d | 1 | 0.27mi |
| 85 Pony Express Dr Palm Coast, FL | 3.0 | 2.0 | 1287 | $1,650 | $1.28 | 62d | 1 | 0.28mi |
| 57 Pony Express Dr Palm Coast, FL | 2.0 | 2.0 | 977 | $1,450 | $1.48 | 88d | 1 | 0.29mi |
| 65A Pony Express Dr Palm Coast, FL | 3.0 | 2.0 | 1250 | $1,495 | $1.20 | 9d | 1 | 0.32mi |
| 65B Pony Express Dr Palm Coast, FL | 3.0 | 2.0 | 1250 | $1,495 | $1.20 | 117d | 1 | 0.32mi |
| 65 Pony Express Dr Unit B Palm Coast, FL | 3.0 | 2.0 | 1250 | $1,520 | $1.22 | 119d | 1 | 0.32mi |
| 67 Pony Express Dr Unit A Palm Coast, FL | 3.0 | 2.0 | 1211 | $1,625 | $1.34 | 9d | 1 | 0.33mi |
| 3 Pinwheel Ln Palm Coast, FL | 3.0 | 2.0 | 1270 | $2,100 | $1.65 | 119d | 1 | 0.33mi |
| 17 Rainbow Ln Unit B Palm Coast, FL | 3.0 | 2.0 | 1190 | $1,750 | $1.47 | 119d | 1 | 0.41mi |
| 34 Raintree Pl Palm Coast, FL | 3.0 | 2.0 | 1327 | $1,700 | $1.28 | 9d | 1 | 0.42mi |
| 33 Pinwheel Ln Palm Coast, FL | 3.0 | 2.0 | 1500 | $2,400 | $1.60 | 119d | 1 | 0.43mi |
| 18 Rainbow Ln Palm Coast, FL | 2.0 | 2.0 | 977 | $1,475 | $1.51 | 62d | 1 | 0.44mi |
| 14 Pitt Ln Palm Coast, FL | 3.0 | 2.0 | 1481 | $1,650 | $1.11 | 9d | 1 | 0.47mi |
| 11 Postman Ln Palm Coast, FL | 3.0 | 2.0 | 1215 | $1,873 | $1.54 | 119d | 1 | 0.49mi |
| 2 Rainbow Ln Unit A Palm Coast, FL | 3.0 | 2.0 | 1209 | $1,700 | $1.41 | 107d | 1 | 0.52mi |
| 2 Rainbow Ln Unit A Palm Coast, FL | 3.0 | 2.0 | 1185 | $1,700 | $1.43 | 78d | 1 | 0.52mi |
| 2 Rainbow Ln Unit B Palm Coast, FL | 3.0 | 2.0 | 1185 | $1,700 | $1.43 | 98d | 1 | 0.52mi |
| 2 Rainbow Ln Unit B Palm Coast, FL | 3.0 | 2.0 | 1185 | $1,800 | $1.52 | 119d | 1 | 0.52mi |
| 10 Rainstone Ln Palm Coast, FL | 3.0 | 2.0 | 1200 | $1,550 | $1.29 | 9d | 1 | 0.52mi |
| 32 Postman Ln Palm Coast, FL | 3.0 | 2.0 | 1500 | $1,950 | $1.30 | 78d | 1 | 0.55mi |
| 3 Port Ln Palm Coast, FL | 3.0 | 2.0 | 1442 | $1,750 | $1.21 | 62d | 1 | 0.57mi |
| 38 Pine Hurst Ln Palm Coast, FL | 3.0 | 2.0 | 1291 | $1,600 | $1.24 | 9d | 1 | 0.59mi |
Property features AI
Finance
- Other
- Subdivision information: Not Available-Flagler
- Financial info
- Property listed as two-unit multi-family (2 units)
Exterior
- Home design
- Duplex (2 units)Unit 1 and Unit 2 each approx. 1,139 living area
- Exterior features
- Lot approximately 10,019 sq ft
Interior
- Kitchen
- DishwasherRefrigerator
- Bedrooms
- Unit 1 and Unit 2 included (see multi-unit)
- Interior features
- Ceiling fanDishwasherRefrigerator
Listing history 50 events
-
2026-08-31days on market $399,000 Active 132 DOM
-
2026-08-30days on market $399,000 Active 131 DOM
-
2026-08-29days on market $399,000 Active 130 DOM
-
2026-08-28days on market $399,000 Active 129 DOM
-
2026-08-27days on market $399,000 Active 128 DOM
-
2026-08-26days on market $399,000 Active 127 DOM
-
2026-08-25days on market $399,000 Active 126 DOM
-
2026-08-24days on market $399,000 Active 125 DOM
-
2026-08-23days on market $399,000 Active 124 DOM
-
2026-08-22days on market $399,000 Active 123 DOM
-
2026-08-21days on market $399,000 Active 122 DOM
-
2026-08-20days on market $399,000 Active 121 DOM
-
2026-08-19days on market $399,000 Active 120 DOM
-
2026-08-18days on market $399,000 Active 119 DOM
-
2026-08-17days on market $399,000 Active 118 DOM
-
2026-08-16days on market $399,000 Active 117 DOM
-
2026-08-15days on market $399,000 Active 116 DOM
-
2026-08-14days on market $399,000 Active 115 DOM
-
2026-08-13days on market $399,000 Active 114 DOM
-
2026-08-12days on market $399,000 Active 113 DOM
-
2026-08-11days on market $399,000 Active 112 DOM
-
2026-08-10days on market $399,000 Active 111 DOM
-
2026-08-09days on market $399,000 Active 110 DOM
-
2026-08-08days on market $399,000 Active 109 DOM
-
2026-08-07days on market $399,000 Active 108 DOM
-
2026-08-06days on market $399,000 Active 107 DOM
-
2026-08-05days on market $399,000 Active 106 DOM
-
2026-08-04days on market $399,000 Active 105 DOM
-
2026-08-03days on market $399,000 Active 104 DOM
-
2026-07-31days on market $399,000 Active 101 DOM
-
2026-07-30days on market $399,000 Active 100 DOM
-
2026-07-30days on market $399,000 Active 99 DOM
-
2026-07-26days on market $399,000 Active 96 DOM
-
2026-07-25days on market $399,000 Active 95 DOM
-
2026-07-23days on market $399,000 Active 93 DOM
-
2026-07-22days on market $399,000 Active 92 DOM
-
2026-07-21days on market $399,000 Active 91 DOM
-
2026-07-18days on market $399,000 Active 88 DOM
-
2026-07-16days on market $399,000 Active 86 DOM
-
2026-07-16days on market $399,000 Active 85 DOM
-
2026-07-14days on market $399,000 Active 84 DOM
-
2026-07-13days on market $399,000 Active 83 DOM
-
2026-07-12days on market $399,000 Active 82 DOM
-
2026-07-11days on market $399,000 Active 81 DOM
-
2026-07-10days on market $399,000 Active 80 DOM
-
2026-07-09days on market $399,000 Active 79 DOM
-
2026-07-07days on market $399,000 Active 77 DOM
-
2026-07-06days on market $399,000 Active 76 DOM
-
2026-07-05days on market $399,000 Active 75 DOM
-
2026-07-03days on market $399,000 Active 73 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 3/10 Moderate
- Heat 9/10 Extreme 7 d/yr ≥106°F today · 21 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $38,400
- − Mortgage interest
- −$22,350
- − Property taxes
- −$5,985
- − Insurance
- −$1,995
- − Repairs & maintenance
- −$3,072
- − Management
- −$3,072
- − Depreciation
- −$11,607
- Taxable loss
- −$9,681
- Est. tax savings @ 24.0%
- +$2,324
- After-tax cash flow
- $-429/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 13 photos
This two-unit property offers stable rental income and has been recently updated with new A/C units. It requires minor repairs and maintenance to enhance its curb appeal and value.
Repairs flagged
- Minor Kitchen cabinets — Slight wear visible on some cabinet doors.
- Minor Bathroom fixtures — Some fixtures show signs of wear.
- Minor Landscaping — Some areas of the lawn appear overgrown and need trimming.
Value-add opportunities
- Both Painting the exterior and interior — Fresh paint can enhance curb appeal and interior aesthetics. ↑
- Both Landscaping improvements — Well-maintained landscaping can increase both resale and rental value. ↑
- Rental HVAC maintenance and tune-ups — A well-maintained HVAC system can attract tenants and reduce maintenance costs. ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
Zoned Schools
Schools (NCES district)
- District
- Flagler
- NCES district ID
- 1200540
- Math proficiency
- 53% ▼ -9.00%
- Reading proficiency
- 56% ▼ -4.00%
- Median HH income
- $48,354
- Composite
- 46.35/100
- National rank
- #2464
- State rank
- #20 of 73 in FL
Livability — Palm Coast
- Score
- 69/100
- State rank
- #478
- US rank
- #8721
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Palm Coast, FL
- County
- Flagler County · 123,474 people
- City population
- 105,049
- Metro
- Deltona-Daytona Beach-Ormond Beach, FL
- Population (ZIP)
- 56,658
- Household income
- $76,399
- Rent vs Own
- Severe rent burden
- 20% of renters
Population outlook (Flagler County) Hauer SSP2
- Today (2025)
- 123,474 people
- By 2030
- 131,864 · +6.8%
- By 2040
- 146,176 · +18.4%
- By 2050
- 157,398 · +27.5%
- By 2075
- 177,990 · +44.2%
- By 2100
- 183,381 · +48.5%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (65%)
- Race & ethnicity
- White 65% Hispanic / Latino 14% Black 13% Two or more races 8% Asian 2%
- Hispanic origin (detail)
- Mexican 4% Puerto Rican 4% Cuban 2%
- Common ancestry
- Romanian 3% Russian 2% Slovak 2%
- Foreign-born
- 16% · Canada, Jamaica
- Languages at home
- 81% English-only · Spanish 9% Russian/Polish/Slavic 3% Other Indo-European 3%
Political lean MEDSL · Flagler
- 2024 margin
- Strong R (+28.2) · D 35.6% · R 63.8%
- 2008→2024 swing
- -29.8pp toward R · 2008: 1.6pp · 2024: -28.2pp
- All cycles
- 2024: R+28.2 2020: R+20.8 2016: R+20.6 2012: R+7.4 2008: D+1.6
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -19.89%
- Current HPI
- 297.4942
- Rent YoY
- —
- Metro
- —
- State GDP YoY
- ▲ 3.28%
- F500 in state
- 36
Industry mix (Fortune 500 HQ in FL)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Industrial Technology | 2 | $29B |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
1 event — show timeline
- 2026-04-21 Listed $419,900 St. Augustine and St. Johns County Board of REALTORS®
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…