20 GARNI DRIVE, PALM COAST, FL, 32137
Active50 days on marketListed Jun 15, 2026MLS #TB8518085
About this home
20 GARNI DRIVE
Brand new, energy-efficient home available by Sep 2026! Looking for a new home in Palm Coast, FL? The Davenport floorplan offers a spacious layout with 4 bedrooms, 3 bathrooms and 3-car garage. Enjoy a chef inspired kitchen with a large work island that overlooks the dining, great room and covered lanai. Colbert Landings offers single-family homes in the highly desirable city of Palm Coast. Located less than three miles from Flagler Beach, this community is just a 10-minute bike ride from beaches and fun waterfront restaurants. Residents will enjoy access to community amenities including a pool, cabana, and pickleball courts, as well as convenient access to Palm Coast trails at the front of the community. Each of our homes is built with innovative, energy-efficient features designed to help you enjoy more savings, better health, real comfort and peace of mind.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,842
Sqft
0.11 ac
Lot size
3
Garage
2026
Year built
One
Levels
$195
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.
$2,456 /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
$2,456/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
−1.6%
$/sqft vs COLBERT LANDINGS
$195 vs $212
Days on market
50 vs 52 typical
Where $195/sqft sits among the 18 homes for sale in COLBERT LANDINGS
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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Coast. See the full Palm Coast 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 → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
2 of 18
COLBERT LANDINGS have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% 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 20 GARNI DRIVE
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$360,990
20 ARARAT DRIVE · same community
4 bd · 2 ba · 1,817 sqft · $199/sqft · 245 DOM
Sold · Apr ’26$360,000
66 ARARAT DRIVE · same community
4 bd · 2 ba · 1,817 sqft · $198/sqft · 29 DOM
Sold · Jul ’26$359,990
57 ARARAT DRIVE · same community
4 bd · 2 ba · 1,817 sqft · $198/sqft · 88 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 20 GARNI DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20 GARNI DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
20 GARNI DRIVE FAQs
What would the monthly payment be for 20 GARNI DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,456/mo — principal and interest, the actual property-tax bill, the $17/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 GARNI DRIVE?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20 GARNI DRIVE?+
The most recent tax bill on record (2026) was $1. 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 GARNI DRIVE?+
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 $359,990, this home is listed about 10% below the Palm Coast median of $399,950. The market section on this page shows how the area is trending.
Which schools are assigned to 20 GARNI DRIVE?+
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
$359,990 is 6% below the PALM COAST 32137 median of $384,950, and at $195/sqft it sits under the Palm Coast average of $262.
02Strong 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.
03The price has already moved
Listed at $366,990, now $359,990 — a $7K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MERITAGE HOMES OF FL REALTY · Bryan Sumner. MLS #TB8518085.
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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