20 SPRING STREET, PALM COAST, FL, 32164
Active33 days on marketListed Jul 1, 2026MLS #A4698475
About this home
20 SPRING STREET
Welcome to 20 Spring Street Palm Coast, FL 32164 - Coastal Gardens Community- Town Center Exclusive home in desirable Town Center Coastal Gardens Palm Coast - Premium preserve homesite Luxury Custom block courtyard home with a Custom Resort-Style private In-ground pool with Premium Upgrades. Why wait to build when this immaculate, fully upgraded custom built home is ready for you to enjoy today! Home is 3 years and 8 months young - Offering the Canterbury Model 3 bedrooms, 3 full bathrooms and a flex room with a sun tunnel. Total 2,692 total sq. ft. of beautifully designed living space, this exceptional residence combines luxury, comfort, and effortless Florida living. ***Most all high-end furnishings are included making this home an exceptional turnkey opportunity.*** 5 TV's Included - All Appliances - Move in ready. Just unpack and enjoy Florida living - Step inside and immediately appreciate the soaring 10–13 ft. ceilings, elegant 8-ft. doors throughout, and refined finishes throughout, creating a light, open and sophisticated atmosphere and great for entertaining. The chef’s kitchen is the heart of the home, featuring a spectacular 12-foot center island, high-end appliances, and abundant space for cooking, gathering, and entertaining. Step outside to your private resort-style oasis. The expansive 40' x 14' screened lanai showcases a stunning saltwater in-ground pool with a travertine edge, waterfall feature, sun shelf with umbrella stand and evening lighting, creating the perfect setting for relaxing nights or lively gatherings. The fully equipped summer kitchen with a Blaze stainless steel gas grill and sink makes outdoor entertaining effortless while you enjoy Florida’s sunshine and breezes. Situated on a premium lot backing to a protected preserve and a view of the pond, The backyard offers full privacy with no neighbors behind you. Comparable homes in the same price range simply can’t offer all that this home has to offer. Truly a must see! This meticulously maintained home also includes: * CDD bond fully paid, saving thousands! Only pay the maintenance portion of $262.00 year which is included in the property taxes which is $6,164 yr. * Whole-house Brita Pro water filtration system for exceptional water quality throughout the home. * Exclusive Courtyard home with a 3-car garage with durable XANO521 coated flooring. * Rare “Florida Basement” attic tons of storage with pull-down stairs, flooring, and lighting * Professionally designed landscaping and lighting * Sealed brick paver driveway * Transferrable structural warranty * Bahama / Plantation shutters * Full Gutters * Fully fenced yard with 3 access gates * Low HOA dues $650.00 per year only $54.00 month. * Fast closing available Located just minutes from Flagler Beach, with nearby walking and biking trails, this home delivers the perfect blend of luxury living, privacy, and convenience.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,851
Sqft
0.14 ac
Lot size
3
Garage
2022
Year built
One
Levels
$324
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.
$4,190 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,190/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−19.1%
$/sqft vs Palm Coast actives
$324 vs $218
Days on market
33 vs 47 typical
Where $324/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)
168 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 76% 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 20 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 · Mar ’26$429,000
245 HAWTHORN AVENUE · same community
3 bd · 2 ba · 1,839 sqft · $233/sqft · 235 DOM
Sold · Aug ’25$415,000
201 HAWTHORN AVENUE · same community
3 bd · 2 ba · 1,880 sqft · $221/sqft · 326 DOM
Sold · Sep ’25$436,560
227 HAWTHORN AVENUE · same community
3 bd · 2 ba · 1,885 sqft · $232/sqft · 160 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
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 20 SPRING STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20 SPRING STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20 SPRING STREET FAQs
What would the monthly payment be for 20 SPRING STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,190/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 20 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 20 SPRING STREET?+
The most recent tax bill on record (2026) was $6,164. 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 20 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 $599,900, this home is listed about 52% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 20 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.
Keep looking
Similar homes nearby
Listing courtesy of KW COASTAL LIVING III · Laura Rode. MLS #A4698475.
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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