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
- COLBERT LANDINGS
- Type
- Single Family Residence
True monthly carry
- HOA
- ~$17/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
109 Armoyan Dr is a 2026-built home in Colbert Landings, Palm Coast. Inside you'll find 4 bedrooms, 5 bathrooms, and 2,901 square feet of living space. Listed at $586,549 (about $202/sqft), 87 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $203 annually.
Under Construction. What's Special: Appliances & Blinds Included | Covered Lanai. New Construction - December Completion! Welcome to the Sanibel at 109 Armoyan Drive in Colbert Landings! This home features 4 bedrooms, 4 bathrooms, dedicated study, and a 3-car garage. The kitchen features soft-close drawers and cabinets, a large island, and a walk-in pantry. The primary suite provides an en-suite and direct access to the laundry room. Throughout the home, 9' ceilings and 8' interior doors enhance the open, upscale feel. Enjoy outdoor living on the covered lanai, perfectly positioned off the great room and ideal for relaxing or gathering with guests. Ideally located east of I-95, this community offers quick access to beaches, the Matanzas River, and nearby dining and retail. Spanning nearly 300 acres, it features preserve and water view homesites, natural tree coverage, and adjacent conservation land with trails. Planned amenities include a clubhouse, resort-style pool, parks, playground, and pickleball. Additional Highlights Include: pocket sliding door at Great Room, pre-plumb for water softener and laundry sink. Photos are for representative purposes only. MLS#O6426042
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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
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Property taxes estimated at 1.55% of price a year. 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
$586,549
$202 per sq ft
Beds and baths
4 beds, 5 baths
Size
2,901 sq ft
Time on market
87 days
Year built
2026
Monthly payment
About $4,127/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $203/yr HOA fee.
HOA fee
$203/yr
Managed by Colbert Landings.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
Offer
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