A Palm Coast and Flagler County Homeowner Question

What is my Palm Coast house
actually worth?

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Seller questions › What your house is worth
Zillow and Redfin can give you two different numbers.

Neither one has walked through your house. Here’s why the online numbers disagree, how far off they usually are, and what actually sets the price of a house in Palm Coast, section by section.

The short version

Zillow and Redfin measure different things.
One is an estimate of a typical home. The other is the middle price of homes that actually sold.
On a home that isn’t listed, the online estimate misses by about 7% at the middle.
On a $350,000 house, that’s roughly $25,000 either way.
Prices vary by section.
Like any city or town, Palm Coast has different areas, and each one has its own prices. Asking prices per square foot run from about $192 in Lehigh Woods to $242 in Grand Haven.
Time costs money too.
At Palm Coast’s median of 75 days on the market, plus closing, a typical house can cost $9,000 to $10,000 to hold while it sells.
Your street sets your price.
Recent sales close to you, in your condition, matter more than any citywide number.
Your tax value isn’t your price.
The Property Appraiser’s number is for taxes, not for selling.

Why Zillow and Redfin give different numbers

They aren’t really disagreeing. They’re answering different questions.

Zillow’s city number: Zillow’s "typical home value" for Palm Coast is built from its estimates of every home in the city, sold or not. It’s an estimate of the middle of the market.

Redfin’s city number: Redfin’s "median sale price" is the middle price of the homes that actually sold during that period. It only counts houses that changed hands, so it moves with whatever happened to sell that month.

The estimate on your own house: Both sites also put a number on your specific house. For a home that’s listed for sale, it’s usually close, because the asking price is already part of the math. For a home that isn’t listed, it’s a lot looser.

Here’s the part most people don’t know. Zillow says its estimate on homes that aren’t for sale misses by about 7.06% at the middle. Redfin says about 7.44%. That’s the middle, which means half of homes miss by more.

What actually sets your price

Palm Coast isn’t one market. Here’s what realtor.com shows for asking prices and time on the market in a few Palm Coast neighborhoods in October 2026:

Lehigh Woods
About $192 per square foot asking.
Pine Grove and Belle Terre
About $197 per square foot, and homes are taking a median of 70 days.
Indian Trails
About $199 per square foot, with a median of 57 days.
Cypress Knoll
About $224 per square foot, with a median of 66 days.
Palm Harbor
About $226 per square foot.
Grand Haven
About $242 per square foot.

On a 2,000 square foot house, the gap between $192 and $226 a square foot is about $68,000. Same city, same size house, very different number. And these are asking prices, not sale prices, so the real gap moves around too.

Inside your neighborhood, these decide the rest:

Recent sales close to you: Homes like yours that sold in the last few months, as close to your street as possible. Sold prices, not asking prices.

Condition: The roof’s age, the AC, flooring, kitchens and baths. Two houses on the same street can be tens of thousands apart because of what’s been updated.

New construction nearby: If builders are selling new homes a few minutes away at a similar price, buyers compare your house to theirs. That’s heavier in sections with lots still being built on.

How long homes are taking: Realtor.com shows a median of about 75 days on the market across Palm Coast right now. The longer homes like yours are sitting, the more price matters.

What 75 days costs you. You keep paying for the house the whole time it’s for sale. On a typical Palm Coast house that’s about $2,560 a month: a $1,800 mortgage payment, about $385 in property taxes, $125 in insurance and $250 for power, water, lawn and upkeep.

75 days to an accepted offer, plus 30 to 45 days to close, is about four months of payments. That’s roughly $9,000 to $10,000. If the house is paid off, it’s still about $760 a month, or around $3,000. That money comes out of what you walk away with, so count it next to the price.

Three ways to get a real number

Ask an agent for a market analysis: A local agent can pull the recent sales near you and give you a comparative market analysis. Ask to see the sold homes they used, not just the final number.

Get an appraisal: A licensed appraiser inspects the house and writes a formal value. In Palm Coast, expect to pay about $500 to $600.

Know what that number is. An appraisal tells you what a lender is willing to lend on the house. It doesn’t tell you what a buyer is willing to pay right now. Today a lot of buyers can’t qualify once property taxes and insurance are added to the payment, so the bank’s number and the buyer’s number can be two different things.

It’s an option. Just know what the $500 to $600 buys you: an opinion of value, not a buyer.

Get an honest opinion from a local investor: I’m a local investor here in Palm Coast. I’ll walk the house with you and tell you honestly what I think it would sell for listed, what I’d pay for it as is, and the difference between the two. Sometimes the right answer is to list it. Either way, you decide.

Your tax value isn’t your price

The Flagler County Property Appraiser puts a value on every property for taxes. That number isn’t meant to be a sale price.

Don’t price your house off the tax bill

If you have a homestead exemption, your taxed value can be far below what the house would sell for. Florida limits how much a homestead’s assessed value can rise each year, to 3% or inflation, whichever is less. After a few years, the gap can be large.

It works the other way too. Some owners see a high market value on the appraiser’s site and expect that at closing. Recent sales near you are the number that counts.

Which way fits you

These are options, not steps you have to follow. Which one fits depends on your timeline, your situation and what you want to walk away with. Someone who has to move in 30 days and someone who can wait six months are looking at different answers.

Start with the homes that sold near you in the last six months, close in size and age to yours, and be honest about condition compared to them. That gives you a range, not a guess. Then add what it costs to hold the house while it sells.

Get a market analysis, get an appraisal, or get an honest opinion from a local investor. Use one, use all three, or think it through on your own. It’s your house and your decision.

See what you’d actually walk away with

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Robert T. Szigeti

Still have questions? Just ask.

I buy houses. I’d rather you know how this works before you talk to anyone, me included. If the right number for your house comes from listing it, list it and keep the difference. And if you want to talk it through, there’s no contract in a phone call. Nothing to sign, nothing to agree to.

Robert T. Szigeti · Investor · Problem Solver · Palm Coast, FL
robert@therobertszigeti.com386-307-3179
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Where this comes from · checked October 17, 2026
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