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Active·17 days on market

8 Armenia Court

Palm Coast, FL 32137

$544,990$198/sqftEst. $2,995/mo mortgageMLS# 2168031
↓ $21,909 below original list
3
Beds
3.5
Baths
2,746
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $17/mo7,405 sqft lotSingle Family Residence1 storyNew construction

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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: Appliances & Blinds Included | Gourmet Kitchen | Cul-de-Sac Lot. New Construction - December Completion! Built by America's Most Trusted Home Builder. Welcome to the Azores at 8 Armenia Court in Colbert Landings! Designed for easy living and effortless entertaining, this thoughtfully crafted home features a gourmet kitchen with a large island, walk-in pantry, and seamless flow into the dining area and great room. The private primary suite offers a spacious full bathroom, and walk-in closet convenient access to the laundry room, creating a relaxing retreat. A dedicated study provides flexibility for working from home or pursuing hobbies, while three additional bedrooms and nearby full bathrooms offer comfort for guests. Ideally located east of I95, 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$2,995
HOAbilled annually$17
Estimated total, before insurance$3,012/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

$544,990
$108,998
Loan Term
Monthly Payment
$2,995
Principal & Interest: $2,995
Insurance (est.): $363
Estimated Total Monthly
$3,358
*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

Southeast-facing backyard — winter sunrises, bright mornings

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

  • The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
  • A comfortable compromise lot: real sun without the western afternoon heat.

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 8, 2026Price change$544,990−$21,909
  • Oct 6, 2026Listed$566,899

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 $198/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
15 Geosam Drive, Palm Coast, FL 32137Listed by TAYLOR MORRISON REALTY OF FLASep 2026$485,057$2304/22,113110.2
36 Armoyan Drive, Palm Coast, FL 32137Listed by TAYLOR MORRISON REALTY OF FLASep 2026$370,000$1803/22,0551820.2
10 Geosam Drive, Palm Coast, FL 32137Listed by TAYLOR MORRISON REALTY OF FLAAug 2026$369,675$1803/22,055430.2
39 Oconee Drive, Palm Coast, FL 32137Listed by TAYLOR MORRISON REALTY OF FLAOct 2026$373,145$1823/22,055370.3
16 Garni Drive, Palm Coast, FL 32137Listed by MERITAGE HOMES OF FLORIDA REALTYOct 2026$378,990$1734/32,192710.3
22 Garni Drive, Palm Coast, FL 32137Listed by MERITAGE HOMES OF FLORIDA REALTYOct 2026$379,490$1734/32,19260.3

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$544,990
Price / Sq Ft$198
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,746
Acres0.17 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesNorthwest

School Information

ElementaryOld Kings
MiddleBuddy Taylor
HighFlagler Palm Coast

Community Information

Address8 Armenia Court, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionColbert Landings
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size7,405.2 sq ft
Lot Dimensions60x120
Parcel Number0312311126000002380
ZoningResidential

Amenities

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

Interior

Interior FeaturesEntrance 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
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink, 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 6, 2026
Days on Market2
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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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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