Sawmill Branch HOA Guide

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

At a glance

Location	Palm Coast, Flagler County
Builders	D.R. Horton, Estela Living
Home types	Single-family; gated 55+ section (Freedom at Sawmill Branch)
HOA	Estela Living section reported at about $1,646/year — confirm. Other sections not confirmed.
CDD	Not confirmed — we're checking.
Status	Selling

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
D.R. Horton	Freedom at Sawmill Branch — gated 55+ single-family	$336,900	4 one-story plans, about 1,604–2,033 sq ft, 2–4 bedrooms, 2-car garages
D.R. Horton	Sawmill Branch Express — single-family	$279,400	17 plans, about 1,618–2,894 sq ft, 3–5 bedrooms, one- and two-story
Estela Living	Single-family	$379,900	3 plans, about 1,742–2,182 sq ft, 3–5 bedrooms, 2- or 3-car garage options

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 Sawmill Branch

HOA

Estela Living section: reported at about $1,646/year (builder listing data, Oct 2026) — confirm before relying on it.
D.R. Horton's gated Freedom section includes lawn maintenance, so its dues may be different. Not confirmed yet — ask us for the current figure.
Management company and HOA documents are not posted online yet.

CDD

Not confirmed — we're checking. Ask us before you write a contract.
If a CDD applies, its assessment is billed on the Flagler County property tax bill and varies by lot.

Rules that affect daily life

We’re still collecting the recorded HOA documents for Sawmill Branch. 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

Main community: amenity center and clubhouse, fitness center, pool, splash pad, pickleball, trails, dog park, playground, and event lawn. Freedom section: its own clubhouse with fitness, a zero-entry pool, bocce, pickleball, and a dog park.

Before you buy here

Bring your agent (or call us) before your first visit so you're registered with the builder.
55+ buyers: ask for the Freedom section's age rules in writing and what the lawn-care dues cover.
Ask which section your lot is in. Dues and amenities can differ by section.
Ask whether a CDD applies to your lot.
Ask the builder for its written warranty booklet.

Get the Sawmill Branch 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, listing-site data, 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.