4 CAMELLIA STREET, PALM COAST, FL, 32137
Active36 days on marketListed Sep 4, 2026MLS #FC321235
Come see it
Upcoming open house
Sun, Oct 11
11:00 AM – 5:00 PM
About this home
4 CAMELLIA STREET
Under Construction. This stunning, single-story home showcases 3 bedrooms, den, 2 bath and a 2 car garage. Inside, discover an open floor plan with volume ceilings, tile flooring and a spacious great room that leads to your covered patio .The kitchen boasts 42-inch Woodmont® cabinets with wet island, quartz countertops and Whirlpool® stainless steel appliances. The primary suite features a large walk-in closet and connecting bath that offers a walk-in shower and a dual-sink vanity. Other highlights include a dedicated laundry room, ENERGY STAR® certified lighting, Moen® faucets, Kohler® sinks and a smart thermostat. KB Home at Somerset includes a brand-new playground, dog park and pool! Closing cost assistance available on this home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,618
Sqft
0.02 ac
Lot size
2
Garage
2026
Year built
One
Levels
$198
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.
$2,218 /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
$2,512/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$198 vs $216
Days on market
36 vs 73 typical
Where $198/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.
The investor lens
Two ways this home pays
This home sits inside Somerset, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$1,988/mo median
Live Palm Coast rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Somerset
Somerset is a short-term-rental community. See the full guide →
PALM COAST 32137 — neighborhood snapshot
Population
47,003
Median age
56.5
Median income
$78,731
Median home value
$360,600
Avg household
2.3
Households w/ children
3,437
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
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
202 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 16% below the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 4 CAMELLIA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$312,500
26 CAMELLIA STREET · same community
4 bd · 2 ba · 2,003 sqft · $156/sqft · 404 DOM
Sold · Aug ’26$344,990
49 SOMERSET AVENUE · same community
4 bd · 2 ba · 2,003 sqft · $172/sqft · 94 DOM
Sold · Aug ’26$300,000
32 BUFFALO BILL DRIVE
3 bd · 2 ba · 1,677 sqft · $179/sqft · 31 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4 CAMELLIA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4 CAMELLIA STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4 CAMELLIA STREET FAQs
What would the monthly payment be for 4 CAMELLIA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,218/mo — principal and interest, estimated property taxes, the $33/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 4 CAMELLIA STREET?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4 CAMELLIA STREET?+
The most recent tax bill on record (2026) was $0. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 4 CAMELLIA STREET be rented short-term?+
Yes — this home sits inside Somerset, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 4 CAMELLIA 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 $319,990, this home is listed about 18% below the Palm Coast median of $389,990. The market section on this page shows how the area is trending.
Which schools are assigned to 4 CAMELLIA STREET?+
Matanzas High School (high), Indian Trails Middle School (middle), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALM COAST 32137 market on paper
$319,990 is 16% below the PALM COAST 32137 median of $379,773, and at $198/sqft it sits under the Palm Coast average of $254.
02Zoned for nightly rentals
Somerset is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Strong assigned schools
Matanzas High School, Indian Trails Middle School, Old Kings Elementary School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ROUND TABLE REALTY · Keith Francis. MLS #FC321235.
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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