2 Windermere Pl · Palm Coast, FL 32164

$275,900

3 bd · 2.0 ba · 1,907 sqft · SingleFamily public records · 15 Days on market

Built 1985 0.27 ac lot Est $338k · 18% under

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Why this score? — see what drove the C- 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 +14.5/30.0
• Schools +4.6/10.0
• DSCR +4.4/10.0
• Livability +3.5/5.0
• 1% rule +2.9/10.0
• Rent growth +2.8/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this charming single-family home on a desirable corner lot in Palm Coast, FL. Boasting 2 bedrooms and 2 bathrooms across 1,907 square feet, this residence blends spacious living with thoughtful upgrades. Step into the living room and be greeted by vaulted ceilings and a bright, open layout. A large three-panel sliding glass door connects the living space to the newly enclosed back porch, complete with AC and heat, creating a perfect spot for year-round enjoyment. The kitchen features generous countertops, abundant cabinetry, a new refrigerator, a gas stove, and an eat-in area ideal for casual dining. Both bedrooms are generously sized. The primary suite includes an en suite bathroom with a walk-in shower, while the second bedroom offers its own sliding glass door leading to the enclosed porch. Additional enhancements include sealed and painted exterior, refreshed kitchen and living room paint, updated flooring throughout, new fans in the living room, and glass shower doors in both bathrooms. Sitting on over a quarter-acre, the property provides ample outdoor space for gardening, entertaining, or relaxing in privacy. Enjoy the Florida lifestyle with close proximity to Flagler Beach, nearby golf, and convenient access to grocery stores. With no HOA, this home offers freedom and flexibility while embracing the charm of Palm Coast living. This home combines comfort, functionality, and location, making it a standout opportunity for those seeking a move-in-ready residence with thoughtful upgrades and room to enjoy. Mortgage savings may be available for buyers of this listing

Key facts

• Fenced back yard
• Newer appliances
• Bonus room

Tags

• FENCED BACK YARD
• STEEL SHED
• BONUS ROOM
• NEWER APPLIANCES
• LUXURY BIRCH CABINETS

Property features AI

Finance

• Other: Property zoned SFR-3; Lot is a corner lot (approximately 0.27 acre); Roads are asphalt/paved; Quarter- to half-acre lot size
• HOA & community: No HOA association indicated; Development: Pine Lakes; Pets allowed

Exterior

• Parking: Driveway; Garage door opener; Attached 2-car garage
• Utilities: Public water; Public sewer; Cable available; Electricity available; Natural gas connected; Sewer connected; Water connected
• Home design: Single-family residence; One story; Home faces east; Residential property
• Construction: Block, concrete and stucco construction; Shingle roof; Slab foundation; Built with living area recorded at 1,907 sq ft
• Exterior features: Covered, enclosed patio; Patio; Exterior lighting; Rain gutters; Sliding doors

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Laminate flooring; Tile flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Split-bedroom layout; Thermostat; Vaulted ceilings
• Laundry & utility: Washer and dryer included; Laundry inside

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $276k.

Deal economics

• At list price, monthly cash flow is $61 ($728/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $218k (21.1% below list).
• Recommended offer: $218k (21.1% below list) — sets the bar for 1% rule.
• Cap rate 6.6% vs local median 3.8% 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: Lewis E. Wadsworth Elementary (math 54% / reading 57%, grade C, #855 of 2,144 statewide, top 41%, 743 students, 68% 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: Rents rising (+1.2%/yr); 1380 active listings in the ZIP; 33 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 2,588 units permitted in Flagler County in 2024 (0 in 5+ unit buildings).
• This rent runs 34% of the median local income ($76k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k 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 15 days — a 2% lower offer ($272k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 3y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $217,715 (21.1% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.79% ✗
• Cap rate: 6.56%
• Cash-on-cash: 0.94%
• DSCR: 1.04
• GRM: 10.6

CMA / ARV

• ARV (on-the-fly): $337,539
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3 Wilson Pl	0.42mi	3/2.0	1,989 (+4%)	0mo	$312,000	$157	73
31 Wasserman Dr	0.32mi	4/2.0 (+1)	2,018 (+6%)	0mo	$452,000	$224	70
49 Village Cir	0.20mi	3/2.5	1,665 (-13%)	2mo	$227,500	$137	66
8 Cedar Point Ct	0.53mi	3/2.0	1,778 (-7%)	1mo	$315,000	$177	63
6 Montauk Ct	0.33mi	3/2.0	1,631 (-14%)	0mo	$325,000	$199	60
18 Pacific Dr	0.67mi	4/2.0 (+1)	1,855 (-3%)	0mo	$299,000	$161	59
7 Wainwright Pl	0.65mi	3/2.0	2,046 (+7%)	1mo	$395,000	$193	57
31 Palm Leaf Ln	0.70mi	4/2.0 (+1)	1,806 (-5%)	1mo	$340,000	$188	53
277 Wellington Dr	0.68mi	3/2.5	2,084 (+9%)	2mo	$370,000	$178	50
184 Westhampton Dr	0.65mi	4/2.0 (+1)	2,107 (+10%)	1mo	$369,000	$175	46
50 Westover Ln	0.72mi	3/2.0	1,668 (-12%)	1mo	$230,000	$138	45
6 Wavecrest Pl	0.69mi	4/2.0 (+1)	2,158 (+13%)	1mo	$360,000	$167	40

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 · 1.18% rent growth · sell at horizon

5-year hold

• IRR: -16.7%
• Equity multiple: 0.42×
• Total profit: $-44,882
• Equity at exit: $41,138

10-year hold

• IRR: -11.7%
• Equity multiple: 0.35×
• Total profit: $-50,086
• Equity at exit: $23,855

Cash invested: $77,252 (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

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32164

• Home prices YoY: -6.3%
• Rents YoY: 1.2%
• Active inventory: 1380
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $2,177 high
• Mortgage (P&I): −$1,447
• Tax from tax record: −$98 /mo · $1,170/yr
• Insurance: −$115
• HOA: −$0
• Vacancy / Maint / Mgmt: −$457
• Net cashflow: $61

Break-even live

Break-even rent $2,100

Max offer price $275,900

Occupancy floor 92%

Sensitivity live

Price	-10% $217	-5% $139	+0% $61	+5% $-17	+10% $-96
Rent	-10% $-111	-5% $-25	+0% $61	+5% $147	+10% $233
Rate	-1.0pp $200	-0.5pp $131	base $61	+0.5pp $-11	+1.0pp $-84

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: $68,975
• Closing costs: $8,277
• Reserves months: —
• Total cash needed: —

Rent comps 33 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10 Warner Pl Palm Coast, FL	3.0	2.0	1481	$1,850	$1.25	25d	1	0.61mi
59 Wellstream Ln Palm Coast, FL	3.0	2.0	1367	$1,795	$1.31	25d	1	0.62mi
57 Wellstream Ln Palm Coast, FL	3.0	2.0	2040	$1,900	$0.93	25d	1	0.63mi
60 Westover Ln Unit 1261607P Palm Coast, FL	3.0	2.0	1894	$3,907	$2.06	4d	1	0.68mi
80 Westfield Ln Palm Coast, FL	3.0	2.0	1945	$1,951	$1.00	23d	1	0.70mi
7 Walton Pl Palm Coast, FL	3.0	2.0	1929	$1,975	$1.02	16d	1	0.88mi
107 Whispering Pine Dr Palm Coast, FL	3.0	3.0	2507	$2,400	$0.96	13d	1	0.97mi
129 Wellwood Ln Unit B Palm Coast, FL	3.0	2.0	1287	$1,650	$1.28	25d	1	1.11mi
58 Whippoorwill Dr Palm Coast, FL	3.0	2.0	1721	$1,950	$1.13	4d	1	1.13mi
134 Beechwood Ln Palm Coast, FL	3.0	2.0	1368	$1,870	$1.37	23d	1	1.14mi
25 Plainview Dr Unit A Palm Coast, FL	4.0	2.0	1486	$1,695	$1.14	16d	1	1.14mi
43 Waverly Ln Palm Coast, FL	3.0	2.0	1560	$2,100	$1.35	25d	1	1.15mi
20 Bressler Ln Palm Coast, FL	4.0	3.0	2141	$2,060	$0.96	25d	1	1.15mi
49 Providence Ln Unit B Palm Coast, FL	3.0	2.0	1275	$1,700	$1.33	4d	1	1.17mi
78 Belvedere Ln Palm Coast, FL	3.0	2.0	1557	$1,750	$1.12	16d	1	1.20mi
155 Plainview Dr Unit B Palm Coast, FL	3.0	2.0	1672	$1,650	$0.99	4d	1	1.23mi
55 Brittany Ln Palm Coast, FL	3.0	2.0	1281	$1,850	$1.44	21d	1	1.27mi
35 Wellham Ln Palm Coast, FL	3.0	2.0	1298	$1,750	$1.35	25d	1	1.29mi
20 Woodford Ln Palm Coast, FL	3.0	2.0	2338	$2,875	$1.23	16d	1	1.30mi
113 Whippoorwill Dr Unit NA Palm Coast, FL	3.0	2.0	1580	$2,100	$1.33	25d	1	1.31mi
45 Wellham Ln Unit B Palm Coast, FL	3.0	2.0	1505	$1,850	$1.23	4d	1	1.31mi
22 Plateau Ln Unit B Palm Coast, FL	3.0	2.0	1274	$1,900	$1.49	16d	1	1.31mi
11 Wheeler Ln Unit 1261594P Palm Coast, FL	4.0	2.0	2497	$5,248	$2.10	4d	1	1.32mi
21 Prospect Ln Unit B Palm Coast, FL	3.0	2.0	1500	$1,690	$1.13	25d	1	1.36mi
124 Plainview Dr Unit B Palm Coast, FL	3.0	2.0	1600	$1,650	$1.03	4d	1	1.37mi
11 Wheatfield Dr Palm Coast, FL	4.0	2.0	2242	$2,195	$0.98	25d	1	1.39mi
20 Woodfield Dr Palm Coast, FL	3.0	2.0	1791	$1,995	$1.11	4d	1	1.42mi
69 Rose Dr Unit B Palm Coast, FL	3.0	2.0	1336	$1,650	$1.24	25d	1	1.43mi
102 Brittany Ln Palm Coast, FL	4.0	2.0	1902	$2,450	$1.29	25d	1	1.45mi
87 Rose Dr Palm Coast, FL	3.0	2.0	2262	$1,925	$0.85	16d	1	1.46mi
87 Rose Dr Palm Coast, FL	3.0	2.0	2262	$1,925	$0.85	13d	1	1.46mi
69 Beckner Ln Unit NA Palm Coast, FL	3.0	2.0	1412	$1,998	$1.42	4d	1	1.46mi
6 Rosedale Pl Palm Coast, FL	3.0	2.0	1337	$1,900	$1.42	25d	1	1.50mi

Listing history 33 events

1. 2026-06-21
   days on market $275,900 Active 15 DOM
2. 2026-06-18
   days on market $275,900 Active 12 DOM
3. 2026-06-17
   days on market $275,900 Active 11 DOM
4. 2026-06-16
   days on market $275,900 Active 10 DOM
5. 2026-06-15
   days on market $275,900 Active 9 DOM
6. 2026-06-14
   days on market $275,900 Active 7 DOM
7. 2026-06-13
   days on market $275,900 Active 6 DOM
8. 2026-06-10
   days on market $275,900 Active 4 DOM
9. 2026-06-09
   days on market $275,900 Active 3 DOM
10. 2026-06-08
    days on market $275,900 Active 2 DOM
11. 2026-06-07
    pricedays on marketlisting id $275,900 Active 1 DOM
12. 2026-06-02
    days on market $279,000 Active 26 DOM
13. 2026-06-01
    days on market $279,000 Active 25 DOM
14. 2026-05-31
    days on market $279,000 Active 24 DOM
15. 2026-05-31
    days on market $279,000 Active 23 DOM
16. 2026-05-07
    listed $279,000 Active 1606-char remark

    Show marketing remark (1606 chars)

    Welcome to this charming single-family home on a desirable corner lot in Palm Coast, FL. Boasting 2 bedrooms and 2 bathrooms across 1,907 square feet, this residence blends spacious living with thoughtful upgrades. Step into the living room and be greeted by vaulted ceilings and a bright, open layout. A large three-panel sliding glass door connects the living space to the newly enclosed back porch, complete with AC and heat, creating a perfect spot for year-round enjoyment. The kitchen features generous countertops, abundant cabinetry, a new refrigerator, a gas stove, and an eat-in area ideal for casual dining. Both bedrooms are generously sized. The primary suite includes an en suite bathroom with a walk-in shower, while the second bedroom offers its own sliding glass door leading to the enclosed porch. Additional enhancements include sealed and painted exterior, refreshed kitchen and living room paint, updated flooring throughout, new fans in the living room, and glass shower doors in both bathrooms. Sitting on over a quarter-acre, the property provides ample outdoor space for gardening, entertaining, or relaxing in privacy. Enjoy the Florida lifestyle with close proximity to Flagler Beach, nearby golf, and convenient access to grocery stores. With no HOA, this home offers freedom and flexibility while embracing the charm of Palm Coast living. This home combines comfort, functionality, and location, making it a standout opportunity for those seeking a move-in-ready residence with thoughtful upgrades and room to enjoy. Mortgage savings may be available for buyers of this listing

17. 2026-05-06
    price $279,000
18. 2026-04-20
    price $295,900
19. 2026-04-01
    listed $305,000 Active
20. 2024-01-11
    soldstatus $280,000
21. 2024-01-09
    soldstatus $280,000 Closed 771-char remark

    Show marketing remark (771 chars)

    Welcome to your new home! This beautiful home is located on a corner lot with great curb appeal. The large screened in lanai supplies plenty of space for outdoor seating and is the perfect oasis for entertaining. This 2 bedroom 2 full bath homes offers a large grand living room, eat in kitchen, indoor laundry space, and a spacious bonus room, that would be perfect for an office or third bedroom. Ceramic tile and vinyl flooring throughout the entire home, window treatment remain as well. This home has a 2 car garage as well as a large shed for all the extras. Located just 18 minutes from Flagler Beach and 15 minutes from Grand Haven Golf Club, providing that Florida living experience. To top it all of- NO HOA! Schedule your showing today and make this your home.

22. 2024-01-02
    soldstatus $280,000 Closed
23. 2023-11-28
    status Pending

    Show marketing remark (771 chars)

    Welcome to your new home! This beautiful home is located on a corner lot with great curb appeal. The large screened in lanai supplies plenty of space for outdoor seating and is the perfect oasis for entertaining. This 2 bedroom 2 full bath homes offers a large grand living room, eat in kitchen, indoor laundry space, and a spacious bonus room, that would be perfect for an office or third bedroom. Ceramic tile and vinyl flooring throughout the entire home, window treatment remain as well. This home has a 2 car garage as well as a large shed for all the extras. Located just 18 minutes from Flagler Beach and 15 minutes from Grand Haven Golf Club, providing that Florida living experience. To top it all of- NO HOA! Schedule your showing today and make this your home.

24. 2023-11-28
    historical Contingent 771-char remark

    Show marketing remark (771 chars)

    Welcome to your new home! This beautiful home is located on a corner lot with great curb appeal. The large screened in lanai supplies plenty of space for outdoor seating and is the perfect oasis for entertaining. This 2 bedroom 2 full bath homes offers a large grand living room, eat in kitchen, indoor laundry space, and a spacious bonus room, that would be perfect for an office or third bedroom. Ceramic tile and vinyl flooring throughout the entire home, window treatment remain as well. This home has a 2 car garage as well as a large shed for all the extras. Located just 18 minutes from Flagler Beach and 15 minutes from Grand Haven Golf Club, providing that Florida living experience. To top it all of- NO HOA! Schedule your showing today and make this your home.

25. 2023-11-23
    status Active 771-char remark

    Show marketing remark (771 chars)

    Welcome to your new home! This beautiful home is located on a corner lot with great curb appeal. The large screened in lanai supplies plenty of space for outdoor seating and is the perfect oasis for entertaining. This 2 bedroom 2 full bath homes offers a large grand living room, eat in kitchen, indoor laundry space, and a spacious bonus room, that would be perfect for an office or third bedroom. Ceramic tile and vinyl flooring throughout the entire home, window treatment remain as well. This home has a 2 car garage as well as a large shed for all the extras. Located just 18 minutes from Flagler Beach and 15 minutes from Grand Haven Golf Club, providing that Florida living experience. To top it all of- NO HOA! Schedule your showing today and make this your home.

26. 2023-11-23
    status Active

    Show marketing remark (771 chars)

    Welcome to your new home! This beautiful home is located on a corner lot with great curb appeal. The large screened in lanai supplies plenty of space for outdoor seating and is the perfect oasis for entertaining. This 2 bedroom 2 full bath homes offers a large grand living room, eat in kitchen, indoor laundry space, and a spacious bonus room, that would be perfect for an office or third bedroom. Ceramic tile and vinyl flooring throughout the entire home, window treatment remain as well. This home has a 2 car garage as well as a large shed for all the extras. Located just 18 minutes from Flagler Beach and 15 minutes from Grand Haven Golf Club, providing that Florida living experience. To top it all of- NO HOA! Schedule your showing today and make this your home.

27. 2023-11-19
    historical Active Contingent 771-char remark

    Show marketing remark (771 chars)

    Welcome to your new home! This beautiful home is located on a corner lot with great curb appeal. The large screened in lanai supplies plenty of space for outdoor seating and is the perfect oasis for entertaining. This 2 bedroom 2 full bath homes offers a large grand living room, eat in kitchen, indoor laundry space, and a spacious bonus room, that would be perfect for an office or third bedroom. Ceramic tile and vinyl flooring throughout the entire home, window treatment remain as well. This home has a 2 car garage as well as a large shed for all the extras. Located just 18 minutes from Flagler Beach and 15 minutes from Grand Haven Golf Club, providing that Florida living experience. To top it all of- NO HOA! Schedule your showing today and make this your home.

28. 2023-11-19
    status Pending

    Show marketing remark (771 chars)

    Welcome to your new home! This beautiful home is located on a corner lot with great curb appeal. The large screened in lanai supplies plenty of space for outdoor seating and is the perfect oasis for entertaining. This 2 bedroom 2 full bath homes offers a large grand living room, eat in kitchen, indoor laundry space, and a spacious bonus room, that would be perfect for an office or third bedroom. Ceramic tile and vinyl flooring throughout the entire home, window treatment remain as well. This home has a 2 car garage as well as a large shed for all the extras. Located just 18 minutes from Flagler Beach and 15 minutes from Grand Haven Golf Club, providing that Florida living experience. To top it all of- NO HOA! Schedule your showing today and make this your home.

29. 2023-11-15
    listed $300,000 Active 771-char remark

    Show marketing remark (771 chars)

    Welcome to your new home! This beautiful home is located on a corner lot with great curb appeal. The large screened in lanai supplies plenty of space for outdoor seating and is the perfect oasis for entertaining. This 2 bedroom 2 full bath homes offers a large grand living room, eat in kitchen, indoor laundry space, and a spacious bonus room, that would be perfect for an office or third bedroom. Ceramic tile and vinyl flooring throughout the entire home, window treatment remain as well. This home has a 2 car garage as well as a large shed for all the extras. Located just 18 minutes from Flagler Beach and 15 minutes from Grand Haven Golf Club, providing that Florida living experience. To top it all of- NO HOA! Schedule your showing today and make this your home.

30. 2023-11-15
    listed $300,000 Active

    Show marketing remark (771 chars)

    Welcome to your new home! This beautiful home is located on a corner lot with great curb appeal. The large screened in lanai supplies plenty of space for outdoor seating and is the perfect oasis for entertaining. This 2 bedroom 2 full bath homes offers a large grand living room, eat in kitchen, indoor laundry space, and a spacious bonus room, that would be perfect for an office or third bedroom. Ceramic tile and vinyl flooring throughout the entire home, window treatment remain as well. This home has a 2 car garage as well as a large shed for all the extras. Located just 18 minutes from Flagler Beach and 15 minutes from Grand Haven Golf Club, providing that Florida living experience. To top it all of- NO HOA! Schedule your showing today and make this your home.

31. 1996-02-05
    soldstatus $89,000
32. 1992-10-01
    soldstatus $100,000
33. 1984-09-01
    soldstatus $9,500

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $1,170 · $98/mo
• Projected year-2 tax: $2,290 · $191/mo
• Expected delta: +$1,120/yr (+$93/mo · 95.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥106°F today · 20 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

Taxation est. · year 1

• Rental income: $26,126
• − Mortgage interest: −$15,455
• − Property taxes: −$1,170
• − Insurance: −$1,380
• − Repairs & maintenance: −$2,090
• − Management: −$2,090
• − Depreciation: −$8,026
• Taxable loss: −$4,085
• Est. tax savings @ 24.0%: +$980
• After-tax cash flow: $1,708/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.

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

Amenities F Commute F Cost of living B+ Crime B Employment C+ Housing A+ Health & safety A+ User ratings D

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Palm Coast, FL
• County: Flagler County · 113,412 people
• City population: 105,049
• Metro: Deltona-Daytona Beach-Ormond Beach, FL
• Population (ZIP): 56,658
• Household income: $76,399
• Rent vs Own: 20.4% rent · 79.6% own
• Severe rent burden: 1291.0

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: ▲ 1.18%
• Metro: Deltona-Daytona Beach-Ormond Beach, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+2836.8% since first listed

18 events — show timeline

• 2026-05-07 Listed $279,000 Daytona MLS
• 2026-05-06 Price Changed $279,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-20 Price Changed $295,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-01 Listed $305,000 Stellar MLS as Distributed by MLS Grid
• 2024-01-11 Sold (Public Records) $280,000 Public Records
• 2024-01-09 Sold (MLS) $280,000 Daytona MLS
• 2024-01-02 Sold (MLS) $280,000 Stellar MLS as Distributed by MLS Grid
• 2023-11-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-11-28 Contingent — Daytona MLS
• 2023-11-23 Relisted — Daytona MLS
• 2023-11-23 Relisted — Stellar MLS as Distributed by MLS Grid
• 2023-11-19 Contingent — Daytona MLS
• 2023-11-19 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-11-15 Listed $300,000 Stellar MLS as Distributed by MLS Grid
• 2023-11-15 Listed $300,000 Daytona MLS
• 1996-02-05 Sold (Public Records) $89,000 Public Records
• 1992-10-01 Sold (Public Records) $100,000 Public Records
• 1984-09-01 Sold (Public Records) $9,500 Public Records

Property tax history

+0.9%/yr

Latest (2023): $1,170 · -4.5% YoY. Source: county tax records.