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$569,900

20 SPRING STREET, PALM COAST, FL 32164

3D Tour
Active121 days on market

Beds

3

Baths

3

Sq Ft

1,851 sq ft

Year Built

2022

Lot Size

0.14 acres

Garage

3

About This Property

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 4 years young with 6 years remaining on the Structural warranty- Offering the Canterbury Model 3 bedrooms, 3 full bathrooms and a flex room with a sun tunnel. (3rd Bedroom has their own private bathroom.) 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 - **If not interested in furniture no problem owner will remove** Make all offers known! 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, load bearing 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 * Standard sewer/water this home is not on a city controlled PEP System * Low HOA dues $650.00 per year only $54.00 month. * Owner relocating - Fast closing available * 6 years remaining on the Structural warranty Located just minutes from Flagler Beach, with nearby walking and biking trails, this home delivers the perfect blend of luxury living, privacy, and convenience.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #A4698475
StatusActive
Year Built2022
Total Rooms13
ConstructionBlock, Stone, Stucco
RoofShingle
FoundationBlock, Slab
FacesWest
SubdivisionGABLES/TOWN CENTER
CountyFlagler
OwnershipFee Simple
FurnishedNegotiable

Interior Features

InteriorCathedral Ceiling(s), Ceiling Fan(s), Chair Rail, Coffered Ceiling(s), Crown Molding, High Ceilings, In Wall Pest System, Open Floorplan, Pest Guard System, Primary Bedroom Main Floor, Skylight(s), Solid Wood Cabinets, Stone Counters, Thermostat, Tray Ceiling(s), Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
FlooringCeramic Tile, Epoxy, Travertine
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Microwave, Range, Refrigerator, Washer, Water Filtration System
LaundryLaundry Room
WindowsShutters, Window Treatments
CoolingCentral Air
HeatingCentral, Electric, Heat Pump
FireplaceYes ()
SecuritySmoke Detector(s)

Exterior & Lot

ExteriorAwning(s), Courtyard, Irrigation System, Lighting, Outdoor Grill, Outdoor Kitchen, Rain Gutters, Shade Shutter(s), Sliding Doors
FencingFenced, Other
Other StructuresOutdoor Kitchen
Lot Size0.14 acres (6,251 sq ft)
Lot FeaturesConservation Area, Landscaped, Level, Private, Sidewalk
Road SurfacePaved, Asphalt
ViewPool, Water

Pool & Spa

Private PoolYes
Pool FeaturesIn Ground, Auto Cleaner, Deck, Gunite, Lighting, Pool Alarm, Salt Water, Screen Enclosure, Self Cleaning, Tile

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected, Phone Available, Sewer Connected, Sprinkler Recycled, Street Lights, Underground Utilities, Water Connected

Parking

GarageYes (3 spaces)

HOA & Community

HOAYes
HOA Fee$650 / Annually
Senior CommunityNo

Financial Details

List Price$569,900
Original Price$599,900
Annual Taxes$5,900 (2026)
FinancingCash, Conventional, FHA, VA Loan
ZoningSFR
Parcel #0512312755000001880

Directions

I-95 to Exit 284 West on to SR100, Left on Town Center Blvd, Left onto Lake Avenue then Right onto Hawthorn Avenue and a right onto Spring Street #20 on the right side.

Location

20 SPRING STREET, PALM COAST, FL 32164

Listing Information

OfficeKW COASTAL LIVING III
ListedJuly 1, 2026

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Home Price

$569,900

20% ($113,980)
6.75%

Loan Term

Principal & Interest$2,957
Property Tax (est.)$522
Insurance (est.)$150
Total Monthly$3,629
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How to Buy This Home

Multiple financing options available for this $569,900 home in PALM COAST.

🏛️

FHA Loan

$19,947 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$28,495 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: October 30, 2026.

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