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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$479,9904 bd · 3 ba · 2,394 sq ft

Active·117 days on market

42 Armoyan Drive

Palm Coast, FL 32137

$479,990$200/sqftEst. $2,617/mo mortgageMLS# 2155518
↓ $27,150 below original list
4
Beds
3
Baths
2,394
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $17/mo6,970 sqft lotSingle Family Residence1 storyNew construction

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Palm Coast

What's Special: Covered Extended Lanai | Pond View | 3 Full Baths. New Construction - December Completion! Built by America's Most Trusted Home Builder. Welcome to the Havana at 42 Armoyan Drive in Colbert Landings! Explore this new single-story home offering a bright and inviting layout with a seamless flow for everyday living. The foyer opens to a versatile flex space and a secondary bedroom with a nearby full bath. At the heart of the home, the gourmet kitchen with a spacious island overlooks the casual dining area and great room, with a pocket sliding glass door leads to a covered lanai. The private primary suite is tucked at the back, featuring a generous bedroom, well-appointed bath and walk-in closet. Two additional secondary bedrooms, a shared full bath, and a centrally located laundry room which connects to the primary closet, add comfort and convenience.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,617
HOAbilled annually$17
Estimated total, before insurance$2,634/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$479,990
$95,998
Loan Term
Monthly Payment
$2,617
Principal & Interest: $2,617
Insurance (est.): $320
Estimated Total Monthly
$2,937
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 6:45 AM, sunset 5:32 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Oct 2, 2026Price change$479,990−$27,150
  • Jul 15, 2026Listed$507,140

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $204/sq ft; this home is listed at $200/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
36 Armoyan Drive, Palm Coast, FL 32137Listed by TAYLOR MORRISON REALTY OF FLASep 2026$370,000$1803/22,0551820
21 Geosam Drive, Palm Coast, FL 32137Listed by TAYLOR MORRISON REALTY OF FLANov 2026$430,000$2044/22,1131270.1
39 Oconee Drive, Palm Coast, FL 32137Listed by TAYLOR MORRISON REALTY OF FLAOct 2026$373,145$1823/22,055370.1
15 Geosam Drive, Palm Coast, FL 32137Listed by TAYLOR MORRISON REALTY OF FLASep 2026$485,057$2304/22,113110.1
59 Oconee Drive, Palm Coast, FL 32137Listed by TAYLOR MORRISON REALTY OF FLAAug 2026$369,990$2103/21,7641500.1
20 Garni Drive, Palm Coast, FL 32137Listed by MERITAGE HOMES OF FLORIDA REALTYNov 2026$357,990$1944/31,842850.2

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$479,990
Price / Sq Ft$200
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,394
Acres0.16 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesSouth

School Information

ElementaryOld Kings
MiddleBuddy Taylor
HighFlagler Palm Coast

Community Information

Address42 Armoyan Drive, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionColbert Landings
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size6,969.6 sq ft
Lot Dimensions50x125
Parcel Number0312311125000000190
ZoningResidential

Amenities

AmenitiesPool, Other, Clubhouse, Jogging Path, Pickleball, Playground
Community FeaturesSidewalks, Street Lights
UtilitiesElectricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage Door Opener
ViewPond

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave, Plumbed For Ice Maker
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch, Patio
RoofShingle
ConstructionComposition Siding, Frame
Road SurfacePaved

Additional Information

Date ListedJuly 15, 2026
Days on Market117
HOA Fees$203 / Annually
HOA FrequencyAnnually
HOA NameColbert Landings
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan, Other
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: TAYLOR MORRISON REALTY OF FLA

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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