

Overview
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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
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.
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.
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The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
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Sample: 506 closed home sales in 32137 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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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.
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