20 Spring St, photo 1
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Overview

3 bd3 ba1,851 sqft3 car garageSingle Family
TypeSingle Family
HOA$650/yr
Built2022
Lot6,251 sqft
Living area1,851 sqft
Price / sqft$308
Garage3 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Open house

Sunday, Oct 11 · 11:00 AM to 4:00 PM

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Chair RailCoffered Ceiling(s)Crown MoldingHigh CeilingsIN Wall Pest SystemOpen Floorplan

20 Spring St is a 2022-built home in Gables/Town Center, Palm Coast. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,851 square feet of living space. Listed at $569,900 (about $308/sqft), 102 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $650 annually.

From the listing

Welcome to 20 Spring Street Palm Coast, FL 32164 - Coastal Gardens Community- Town Center Exclusive home in desirable Town Center Coastal Gardens Palm Coast - Premium preserve homesite Luxury Custom block courtyard home with a Custom Resort-Style private In-ground pool with Premium Upgrades. Why wait to build when this immaculate, fully upgraded custom built home is ready for you to enjoy today! Home is 3 years and 8 months young - Offering the Canterbury Model 3 bedrooms, 3 full bathrooms and a flex room with a sun tunnel. Total 2,692 total sq. ft. of beautifully designed living space, this exceptional residence combines luxury, comfort, and effortless Florida living. ***Most all high-end furnishings are included making this home an exceptional turnkey opportunity.*** 5 TV's Included - All Appliances - Move in ready. Just unpack and enjoy Florida living - **If not interested in furniture no problem owner will remove** Make all offers known! Step inside and immediately appreciate the soaring 10–13 ft. ceilings, elegant 8-ft. doors throughout, and refined finishes throughout, creating a light, open and sophisticated atmosphere and great for entertaining. The chef’s kitchen is the heart of the home, featuring a spectacular 12-foot center island, high-end appliances, and abundant space for cooking, gathering, and entertaining. Step outside to your private resort-style oasis. The expansive 40' x 14' screened lanai showcases a stunning saltwater in-ground pool with a travertine edge, waterfall feature, sun shelf with umbrella stand and evening lighting, creating the perfect setting for relaxing nights or lively gatherings. The fully equipped summer kitchen with a Blaze stainless steel gas grill and sink makes outdoor entertaining effortless while you enjoy Florida’s sunshine and breezes. Situated on a premium lot backing to a protected preserve and a view of the pond, The backyard offers full privacy with no neighbors behind you. Comparable homes in the same price range simply can’t offer all that this home has to offer. Truly a must see! This meticulously maintained home also includes: * CDD bond fully paid, saving thousands! Only pay the maintenance portion of $262.00 year which is included in the property taxes which is $6,164 yr. * Whole-house Brita Pro water filtration system for exceptional water quality throughout the home. * Exclusive Courtyard home with a 3-car garage with durable XANO521 coated flooring. * Rare “Florida Basement” attic tons of storage with pull-down stairs, flooring, and lighting * Professionally designed landscaping and lighting * Sealed brick paver driveway * Transferrable structural warranty * Bahama / Plantation shutters * Full Gutters * Fully fenced yard with 3 access gates * Low HOA dues $650.00 per year only $54.00 month. * Fast closing available Located just minutes from Flagler Beach, with nearby walking and biking trails, this home delivers the perfect blend of luxury living, privacy, and convenience.

The essentials

Built
2022
Price / sqft
$308
On market
102 days
Annual tax
$6,164
HOA
$650/yr
Flood zone
X · Low risk
Lot
6,251 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
Water views
Pool
Private pool
Auto Cleaner
3 car garage
Driveway
6,251 sqft lot
Lot size

Payment

Est. monthly payment
$3,825/mo
Down payment (20%)
$113,980
Property taxes
$514/mo
HOA
$650/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
6,251 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
Driveway, Garage Door Opener, Oversized
Pool
Auto Cleaner, Deck, Gunite, In Ground, Lighting, Pool Alarm, Salt Water, Screen Enclosure, Self Cleaning, Tile
Days on Market
102
Cathedral Ceiling(s)
Ceiling Fans(s)
Chair Rail
Coffered Ceiling(s)
Crown Molding
High Ceilings
IN Wall Pest System
Open Floorplan
Pest Guard System
Primary Bedroom Main Floor
Solid Wood Cabinets
Stone Counters
Thermostat
Tray Ceiling(s)
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Awning(s)
Courtyard
Lighting
Outdoor Grill
Outdoor Kitchen
Rain Gutters
Shade Shutter(s)
Street Lights
Convection Oven
Dishwasher
Disposal
Dryer
Electric Water Heater
Ice Maker
Microwave
Range
Refrigerator
Washer
Water Filtration System
Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2026)
$6,164
Parcel #
05-12-31-2755-00000-1880

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Gables/Town Center
County
Flagler
MLS Area
32164 - Palm Coast
Lot Size
6,251 sqft
Conservation AreaLandscapedLevelPrivateSidewalkPaved
HOA
$650/yr
Laura H. Simonette/CAM Manager

Price history

Date
Event
Price
10/4/2026
Price change
Source: Stellar MLS #A4698475
$569,900-0.9%
$308/sqft
-
Price change
Source: Stellar MLS #A4698475
$574,900-4.2%
$311/sqft
7/1/2026
Listed for sale
Source: Stellar MLS #A4698475
$599,900
$324/sqft

Neighborhood

20 Spring St
Palm Coast, FL, 32164 · 32164 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $569,900
$565,000 – $569,900
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 597 home closings in 32164 landed at this number or higher (51%). The median one sat 48 days before it went under contract, and this one is on day 102 after a $30,000 cut.

Sample: 597 closed home sales in 32164 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,825/mo
Principal & interest$2,972
Property taxes$514
Insurance$285
HOA$54
Down payment20% · $113,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$569,900

$308 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,851 sq ft

Time on market

102 days

Year built

2022

Monthly payment

About $3,825/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,164 annual tax bill, insurance, and the $650/yr HOA fee.

HOA fee

$650/yr

Managed by Laura H. Simonette/CAM Manager.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byKW COASTAL LIVING IIIListing agent: Laura RodeListing data from Stellar MLS, MLS# A4698475.

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