29 SPRING STREET, PALM COAST, FL, 32164
Active271 days on marketListed Nov 5, 2025MLS #FC313903
About this home
29 SPRING STREET
Under Construction. *Available Now! This brand-new, never lived-in home is situated on a water-view homesite in Town Center’s only single-family community, offering both scenic views and unmatched convenience in Palm Coast. The Westbridge Model features 3 bedrooms, 2 bathrooms, a covered lanai, a large brick paver driveway, and concrete sidewalks, creating strong curb appeal and functional outdoor living. Inside, the home showcases thoughtfully selected upgrades throughout. The kitchen is highlighted by LX Viatera quartz countertops, Wellborn wood cabinetry with a painted finish, an upgraded herringbone tile backsplash, and a double trash pull-out conveniently located next to the sink. Bathroom #2 also features LX Viatera quartz vanity countertops, continuing the elevated finishes. Laminate flooring extends through the foyer, kitchen, café, great room, primary bathroom, hallway to bedrooms, and utility room, while the primary bedroom and walk-in closet feature upgraded tile flooring for a refined finish. Located in Coastal Gardens, Paytas Homes’ newest Palm Coast community, this neighborhood introduces fresh exterior designs and modern floor plans while maintaining the quality craftsmanship Paytas Homes has been known for over decades. Projected completion: January 2026. *Broker has business affiliation with Seller.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,610
Sqft
0.14 ac
Lot size
2
Garage
2025
Year built
One
Levels
$233
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,726 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,726/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+16.7%
$/sqft vs Palm Coast actives
$233 vs $218
Days on market
271 vs 47 typical
Where $233/sqft sits among the 400 Palm Coast actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Coast
Get to know Palm Coast. See the full Palm Coast guide →
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Coast market
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
167 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% above the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 29 SPRING STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$350,000
9 EMPRESS LANE
3 bd · 2 ba · 1,621 sqft · $216/sqft · 8 DOM
Sold · Jun ’26$325,000
15 WIMBLEDON WAY
2 bd · 2 ba · 1,635 sqft · $199/sqft · 209 DOM
Sold · Mar ’26$325,000
13 WIMBLEDON WAY
2 bd · 2 ba · 1,635 sqft · $199/sqft · 57 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Ryland Lock
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 29 SPRING STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 29 SPRING STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Ryland's phone and CRM.
Straight answers
29 SPRING STREET FAQs
What would the monthly payment be for 29 SPRING STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,726/mo — principal and interest, the actual property-tax bill, the $54/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 29 SPRING STREET?+
The association fee works out to $54 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 29 SPRING STREET?+
The most recent tax bill on record (2024) was $1,666. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 29 SPRING STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $374,900, this home is listed about 5% below the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 29 SPRING STREET?+
Flagler-Palm Coast High School (high), Bunnell Elementary School (elementary), Buddy Taylor Middle School (middle) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$374,900 runs 10% above the PALM COAST 32164 median.
02Time on market is leverage
271 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $406,900, now $374,900 — a $32K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PAYTAS-MATHER REAL ESTATE SERV · Jim Mather. MLS #FC313903.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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