Overview
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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
- COASTAL GARDENS
- Type
- Single Family Residence
True monthly carry
- HOA
- ~$54/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
190 Thornberry Way is a 2026-built home in Coastal Gardens, Palm Coast. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,700 square feet of living space. Listed at $379,831 (about $223/sqft), 2 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $644 annually.
Under Construction. Enjoy the perfect combination of luxury and livability in this beautifully crafted home featuring covered outdoor spaces at both the front and rear of the property. The oversized sliding glass door enhances the home's bright and airy feel while extending your living space outdoors. At the heart of the home, the stunning gourmet kitchen is designed to impress, offering ample workspace, modern appointments, and the functionality any home chef will appreciate. Whether hosting gatherings or enjoying a quiet evening at home, this thoughtfully designed floor plan provides the ideal setting for every occasion. SAMPLE PHOTOS, actual homes as constructed may not contain the features and layouts depicted and may vary from image(s).
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The essentials
At a glance
Payment
Details
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: 597 closed home sales in 32164 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 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
$379,831
$223 per sq ft
Beds and baths
4 beds, 2 baths
Size
1,700 sq ft
Time on market
2 days
Year built
2026
Monthly payment
About $2,716/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $644/yr HOA fee.
HOA fee
$644/yr
Managed by Richmond American Homes.
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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