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Overview

4 bd3 ba1,941 sqft3 car garageSingle Family
TypeSingle Family
HOA$249/yr
Built2026
Lot6,000 sqft
Living area1,941 sqft
Price / sqft$212
Garage3 car

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

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
SAWMILL BRANCH
Type
Single Family Residence

True monthly carry

HOA
~$21/mo
CDD bond
Yes — typically $1,500–$3,500/yr
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.

About this home

Kitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanSmart HomeThermostatTray Ceiling(s)Walk-in Closet(s)Clubhouse

146 Springwood Dr is a 2026-built home in Sawmill Branch, Palm Coast. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,941 square feet of living space. Listed at $412,400 (about $212/sqft), 94 days on market. Flood zone X & A - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $249 annually.

From the listing

Under Construction. READY NOW! The Emerson is a thoughtfully designed, single story layout with 1,941 square feet, 4 bedrooms, 3 bathrooms, and a 3 car garage, making it an ideal home for modern living. The exterior features charming curb appeal with clean architectural lines, decorative shutters (per elevation), and welcoming front entry options across multiple elevations to suit a variety of styles. Inside, the floor plan is designed for both comfort and functionality, providing an open concept living space that seamlessly connects the kitchen, dining, and living areas, perfect for everyday living and entertaining. The 9-foot ceilings throughout and the large windows help the home shine with ample natural light. The kitchen is centrally located, offering plenty of counter space and storage while overlooking the main living area, creating a natural gathering space for family and guests. The private main suite is tucked away for added tranquility and includes a spacious bedroom and en suite bath designed for relaxation. Three additional bedrooms and two full bathrooms provide flexibility for guests, children, or a home office setup. With a generous three car garage, the Emerson also delivers exceptional storage and parking space, ideal for busy households or hobby needs. Thoughtful design elements throughout the home balance style, efficiency, and livability, making the Emerson a versatile and inviting choice for a wide range of lifestyles.

The essentials

Built
2026
Price / sqft
$212
On market
94 days
Annual tax
$0
HOA
$249/yr
Flood zone
X & A · Low risk
Lot
6,000 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Fitness center too
3 car garage
6,000 sqft lot
Lot size
1,941 sqft
Living area

Payment

Est. monthly payment
$2,911/mo
Down payment (20%)
$82,480
Property taxes
$0/mo
HOA
$249/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
6,000 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
94
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Smart Home
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Clubhouse
Dog Park
Fitness Center
Playground
Pool
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Elementary
Belle Terre Elementary
Middle
Indian Trails Middle-FC
High
Matanzas High

Districts can re-zone, so verify directly with the district before relying on these.

In a CDD (Community Development District) Flood Zone X & A
Annual Tax (2026)
$0
Parcel #
21-10-30-5416-00000-4500

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
Sawmill Branch
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
6,000 sqft
HOA
$249/yr
Sovereign & Jacobs

Price history

Date
Event
Price
10/8/2026
Price change
Source: Stellar MLS #FC319843
$412,400-1.2%
$212/sqft
-
Price change
Source: Stellar MLS #FC319843
$417,400-1.8%
$215/sqft
7/9/2026
Listed for sale
Source: Stellar MLS #FC319843
$424,900
$219/sqft

Neighborhood

146 Springwood Dr
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $412,400
$407,500 – $412,400
98.6% – 100% of listTops out right at the list price
80% of listList price
254 of the last 506 home closings in 32137 landed at this number or higher (50%). The median one sat 49 days before it went under contract, and this one is on day 94 after a $12,500 cut.

Sample: 506 closed home sales in 32137 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,910/mo
Principal & interest$2,151
Property taxes$533
Insurance$206
HOA$21
Down payment20% · $82,480
Interest rate6.80%
Loan term

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Property taxes estimated at 1.55% of price a year. Insurance estimated at 0.60%. HOA is the fee 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

$412,400

$212 per sq ft

Beds and baths

4 beds, 3 baths

Size

1,941 sq ft

Time on market

94 days

Year built

2026

Monthly payment

About $2,911/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $249/yr HOA fee.

HOA fee

$249/yr

Managed by Sovereign & Jacobs.

Flood zone

Zone X & A

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 byDR HORTON REALTY INC.Listing agent: Charlie RogersListing data from Stellar MLS, MLS# FC319843.

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