Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 37
Active

Active·18 days on market

109 Armoyan Drive

Palm Coast, FL 32137

$586,549$202/sqftEst. $3,223/mo mortgageMLS# 2167927
4
Beds
4.5
Baths
2,901
Sq Ft
2026
Built
3
Garage
No
Pool
FEMA Zone XHOA $17/mo7500.00 acresSingle 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: Preserve View | Appliances and Blinds Included | Covered Lanai. New Construction - March Completion! Built by America's Most Trusted Home Builder. Welcome to the Sanibel at 109 Armoyan Drive in Colbert Landings! Designed for both comfort and convenience with a spacious layout with plenty of natural light. The open-concept great room flows seamlessly into the kitchen and dining areas, creating an inviting space for everyday living and entertaining. The kitchen is thoughtfully appointed with a large, central island, and a walk-in pantry. The private primary suite offers a generous bathroom with a dual sink vanity, oversized shower, and large closet with direct access to the laundry room. Enjoy outdoor living on the covered lanai, perfectly positioned off the great room and ideal for relaxing or hosting. Ideally located east of I 95, this community offers quick access to beaches, the Matanzas River, and nearby dining and retail.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$3,223
HOAbilled annually$17
Estimated total, before insurance$3,240/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

$586,549
$117,310
Loan Term
Monthly Payment
$3,223
Principal & Interest: $3,223
Insurance (est.): $391
Estimated Total Monthly
$3,614
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Ask about this home

As of October 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. 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

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:31 AM, sunset 6:46 PM.

  • The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
  • Summer late-afternoons run hot, and shading the lanai’s west edge earns its keep.

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 5, 2026Listed$586,549

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 $180/sq ft; this home is listed at $202/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
22 Garni Drive, Palm Coast, FL 32137Listed by MERITAGE HOMES OF FLORIDA REALTYOct 2026$379,490$1734/32,19260.4
32 Garni Drive, Palm Coast, FL 32137Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$399,990$1824/32,19200.4
15 Geosam Drive, Palm Coast, FL 32137Listed by TAYLOR MORRISON REALTY OF FLASep 2026$485,057$2304/22,113110.4
69 Ararat Drive, Palm Coast, FL 32137Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$385,990$1764/32,19280.4
76 Ararat Drive, Palm Coast, FL 32137Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$374,990$1714/32,192340.4
36 Armoyan Drive, Palm Coast, FL 32137Listed by TAYLOR MORRISON REALTY OF FLASep 2026$370,000$1803/22,0551820.4

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.

Features

Price$586,549
Price / Sq Ft$202
Bedrooms4
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage2,901
Acres7500.00 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesNortheast

School Information

ElementaryOld Kings
MiddleBuddy Taylor
HighFlagler Palm Coast

Community Information

Address109 Armoyan Drive, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionColbert Landings
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size326,700,000 sq ft
Lot Dimensions60x125
Parcel Number0312311126000002610
ZoningResidential

Amenities

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

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Patio
RoofShingle
ConstructionOther
Road SurfacePaved

Additional Information

Date ListedOctober 5, 2026
Days on Market14
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.

Keep looking

More homes in Colbert Landings

Keep looking

Similar homes in Palm Coast

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Is this home priced right?

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

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines