220 MISTY HARBOR TRACE, PALM COAST, FL, 32137
Active2 days on marketListed Oct 8, 2026MLS #J1005990
About this home
220 MISTY HARBOR TRACE
Brand New by award winning Dream Finders Homes...Welcome to 220 Misty Harbor Trace, located in the desirable gated community Hammock at Palm Harbor. Nestled near state parks and nature preserve, the Mangrove floorplan offers the perfect blend of modern comfort, flexibility, and tranquil outdoors. The builder thoughtfully designed each aspect of the Mangrove floor plan with a spacious primary suite, providing convenience and privacy for everyday living. The open-concept layout is ideal for entertaining, with generous living spaces, abundant natural light, and a seamless flow throughout the home. Whether you're looking for a full-time residence, vacation getaway, or investment opportunity, this property offers exceptional versatility with no short-term rental restrictions. Residents enjoy access to fantastic community amenities including pool, hot tub and clubhouse perfect for social gatherings and leisure activities. Conveniently located near shopping, dining, golf courses, nature preserve, Palm Coast Marina and the beaches. Come indulge in The Hammock at Palm Harbor lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,181
Sqft
0.09 ac
Lot size
One
Levels
$254
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.
$2,520 /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
$2,520/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.
$/sqft vs Palm Coast actives
$254 vs $216
Days on market
2 vs 73 typical
Where $254/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 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 23% below the Palm Coast median. See the full Palm Coast market guide →
Paper trail
This home's history
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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 220 MISTY HARBOR TRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 220 MISTY HARBOR TRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
220 MISTY HARBOR TRACE FAQs
What would the monthly payment be for 220 MISTY HARBOR TRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,520/mo — principal and interest, the actual property-tax bill, the $337/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 220 MISTY HARBOR TRACE?+
The association fee works out to $337 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 220 MISTY HARBOR TRACE?+
The most recent tax bill on record (2025) was $1,490. 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 220 MISTY HARBOR TRACE?+
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 $299,990, this home is listed about 23% below the Palm Coast median of $389,990. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J1005990.
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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