4 SPRING STREET, PALM COAST, FL, 32164
Active31 days on marketListed Sep 9, 2026MLS #FC321304
Come see it
Upcoming open house
Sat, Oct 17
11:00 AM – 1:00 PM
About this home
4 SPRING STREET
Welcome to a beautifully maintained home designed with style, durability, and modern living in mind. This residence offers thoughtful upgrades, premium finishes, and structural features that elevate both comfort and peace of mind. Step inside to discover an inviting open layout with 10-foot ceilings and elegant tile flooring throughout the main living areas, creating a bright and spacious feel. The guest room and living room showcase refined accent walls, adding a sophisticated, model-home touch. The heart of the home features quartz countertops and stylish finishes, while the screened-in lanai provides a relaxing space to enjoy the outdoors comfortably year-round. Recent upgrades include new window blinds throughout, a new garbage disposal, and refreshed lighting fixtures and mirrors in the primary bathroom. This home was built for enhanced protection, energy efficiency, and storage, featuring impact-resistant windows and doors, a hybrid electric heat pump water heater, durable concrete block construction, advanced roof protection with ZIP System roof sheathing, impact glass skylights in the laundry room that fill the space with natural light, and a walk-in attic. Combining style, security, and smart design, this home is move-in ready and crafted for modern living. Whether you’re entertaining guests or enjoying quiet evenings at home, this property delivers comfort, beauty, and quality at every turn!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,806
Sqft
0.14 ac
Lot size
3
Garage
2023
Year built
One
Levels
$213
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.
$3,090 /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
$3,090/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+16.7%
$/sqft vs Palm Coast actives
$213 vs $216
Days on market
31 vs 73 typical
Where $213/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 →
PALM COAST 32164 — neighborhood snapshot
Population
53,963
Median age
47.4
Median income
$71,738
Median home value
$308,100
Avg household
2.54
Households w/ children
5,392
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 15% 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 4 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 · May ’26$409,000
254 HAWTHORN AVENUE · same community
3 bd · 2 ba · 1,806 sqft · $226/sqft · 156 DOM
Sold · Mar ’26$429,000
245 HAWTHORN AVENUE · same community
3 bd · 2 ba · 1,839 sqft · $233/sqft · 235 DOM
Sold · Jul ’26$375,000
17 SPRING STREET · same community
4 bd · 2 ba · 1,885 sqft · $199/sqft · 167 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4 SPRING STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4 SPRING STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4 SPRING STREET FAQs
What would the monthly payment be for 4 SPRING STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,090/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 4 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 4 SPRING STREET?+
The most recent tax bill on record (2024) was $5,270. 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 4 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 $385,000, this home is listed about 1% 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 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 KELLER WILLIAMS REALTY ATLANTIC PARTNERS (ST. AUG) · Billy Dezius. MLS #FC321304.
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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