Palm Coast – Scattered Lots New Construction Guide

Palm Coast, Flagler County · HOA, CDD, rules, builders and amenities in plain English

At a glance

Location	Individual lots across the City of Palm Coast, Flagler County
Builders	Adams Homes, Century Complete, D.R. Horton, Estela Living, Holiday Builders, LGI Homes, Maronda Homes
Home types	Single-family (some block construction)
HOA	Generally none on scattered city lots — confirm for your specific lot.
CDD	None found in our research — confirm with the builder.
Status	Selling (Holiday Builders being verified)

Builders and starting prices

Starting prices as advertised in October 2026. Prices change often, and builders run incentives that come and go. Ask us for the current numbers before you visit.

Builder	Homes	From	Floor plans
Holiday Builders	Single-family on scattered lots (availability being verified)	$272,990	Plans about 1,284–2,087 sq ft, 3–4 bedrooms
Century Complete	Palm Coast Signature single-family on scattered lots	$292,990	7 plans, about 1,272–2,277 sq ft, 3–5 bedrooms, 2-car garages
Maronda Homes	Single-family (block) on scattered lots, including the Palm Coast Premier series	$299,900	Premier series: 5 plans, about 2,151–3,282 sq ft, 4–5 bedrooms
LGI Homes	Single-family	$309,900	13 plans, about 1,247–2,338 sq ft, 3–5 bedrooms
Adams Homes	Single-family on scattered lots	about $315,000	8 plans, about 1,368–3,000 sq ft
D.R. Horton	Palm Coast Homesites (Express) one-story single-family on lots across the city	$339,440	2 plans, about 1,862–1,987 sq ft, 4 bedrooms
Estela Living	Single-family	$339,900	8 plans, about 1,525–2,337 sq ft, 3–4 bedrooms, 2- and 3-car garages

Visiting the model homes? Bring your agent, or call us first, so you’re registered with the builder on your first visit.

HOA and CDD at Palm Coast – Scattered Lots

HOA

Most scattered Palm Coast city lots have no homeowners association. D.R. Horton, Maronda, and Adams Homes say their scattered-lot homes have no HOA, and listing data shows no HOA fee for Holiday Builders.
The other builders did not state either way. Ask for it in writing.
Some older Palm Coast sections have recorded deed restrictions even without an HOA. These can limit things like fences, sheds, or parking. Ask us to check the plat for your lot.

CDD

None found in our research — confirm with the builder.
Maronda and Adams Homes state there is no CDD, and listing data shows no CDD fee for Holiday Builders.
This can vary lot by lot. We can check the Flagler County tax bill for your lot before you sign.

Rules that affect daily life

We’re still collecting the recorded HOA documents for Palm Coast – Scattered Lots. Before you write a contract, ask us for the rules on renting, pets, vehicles and boats, fences, pools and exterior changes. These rules vary a lot from one community to the next.

Amenities

There are no shared community amenities, since these are individual city lots. City utilities, parks, and trails are nearby.

Before you buy here

Bring your agent (or call us) before your first visit so you're registered with the builder.
Have us check the plat for your specific lot for recorded deed restrictions and confirm there is no HOA or CDD.
Compare builders plan by plan: prices, block versus frame construction, garage size, and what is standard.
Ask each builder for its warranty booklet before you sign.
With no HOA, you handle your own lawn and exterior upkeep — budget for it.

Get the Palm Coast – Scattered Lots HOA packet

We’ll send you the HOA and CDD information we have on file and run the true monthly cost on any home you like, including HOA, CDD, taxes and insurance.

Request the HOA packet Call 386.449.9248 All communities

Sources: Builder websites, new-home listing sites, and community directory (October 2026).

The Decker Group Brokered by Navy To Navy Homes
Garrett Decker, Broker Associate BK 3466920 · Mortgage Loan Originator NMLS 2567934, FLO Mortgage (Company NMLS 1835856) · Angel Decker, Sales Associate SL 3530137 · Brokerage CQ1038170
386.449.9248 · buyahomeatthebeach.com · BUILT ON TRUST. DRIVEN BY RESULTS.

Information provided by the builder/HOA and subject to change. Verify all fees, terms, and figures directly before relying on them. This page summarizes community documents in plain English and is not legal advice. Have a real estate attorney review contract and HOA questions.