John Carpenter
$1,425,0004 bd3.5 ba2,939 sqft$485 /sqft$9,518 /mo all-in ↓

241 CONSERVATORY DRIVE, PALM COAST, FL, 32137

Active0 days on marketListed Jul 28, 2026MLS #FC320219

Private poolSingle Family ResidenceCONSERVATORY AT HAMMOCK BEACH

About this home

241 CONSERVATORY DRIVE

IT’S ALL ABOUT THE LIFESTYLE - A GOLFER’S DREAM COMMUNITY. “Grab your morning coffee, get in your golf cart and drive to The Conservatory course right on site.” Or play The Ocean Course just moments away. Into having fun doing other things, The Conservatory and Hammock Beach Resort has it all. Come home to this Elegant and unique, customized pool home on over 1/3 acre (15,605 sq ft). 4 bdrms plus a den/office with 4 bath and a split 4 car garage. This home has two beautiful settings with a water view in the front and a preserve view in the back, all surrounded by mature trees and landscaping. Oversized fenced yard with east exposure perfect for entertaining. This home is over 4,100 square feet total and over 2,900 sq ft of living space. 12' plus ceilings in living area and tray ceilings in living room and owner's bedroom. Smooth walls throughout. Transferable National New Home Warranty Program to 2033. Beautiful detail throughout with crown molding in every room, wall molding designs, 8' doors and upgraded, Nostalgic Warehouse brand interior door hardware, custom paint colors, custom wall artistry and beautiful light fixtures, chandeliers, and fans. Luxury vinyl plank and tile floors. Plantation shutters in all bedrooms, office, and garage. GE Smart Cafe brand appliances in kitchen and bar. Extended laundry area with refrigerator and large capacity GE Smart stack washer and dryer. 50-gallon AO Smith Hybrid electric water heater with recirculating pump and timer. GE 300 Amp electric service panel. Carrier high efficiency 16 SEER HVAC system. Alexa compatible smart home lighting, Surround sound system with Kilpsch speakers in great room and on lanai. Seven Samsung TVs, including Frame TV in Living Room. Full home security system with 2 keypads. Ring doorbell and video system. 60" Dimplex electric fireplace with heater blower and color features. Retractable Dirt Devil central vacuum system throughout and car vacuum kit in garage. California brand closets, custom garage storage cabinets with work bench, Monkey Bar brand shelving, high quality epoxy floors and attic access pull-down stairs in both 2-car garages. Summer kitchen with Coyote brand BBQ with exhaust hood, sink and beverage refrigerator. Cedar beam ceiling on covered lanai and cedar plank ceiling at outdoor entry. Full exterior seamless gutters tied to an underground drainage system. Fenced and hedged yard with Hampton style heated pool with LED changeable colors, natural tumbled limestone deck, and automatic pest spray system. Professional landscaping and low voltage lighting in front and rear. Many upgrades and improvements were added after the original construction. HOA includes lawn maintenance, irrigation water from the lakes, common area maintenance, security gates, Hotwire TV, and internet. Solid Homeowners Association with over $1 million in reserves. With just 340 total homesites with golf, water or preserve views, The Conservatory is a gated, custom home community affiliated with the Hammock Beach Club. When joining the Hammock Beach Club, you will enjoy a beautiful Tom Watson designed 18-hole golf course, pro shop, clubhouse, fitness center, heated pool, breakfast and lunch cafe and separate event dining room located within the gates of The Conservatory. In addition, the Hammock Beach Club boasts a second 18-hole golf course, The Ocean Course, and other amenities including pools, restaurants, tennis, pickleball, and full of calendar events. Membership Optional.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

2,939

Sqft

0.36 ac

Lot size

4

Garage

2023

Year built

One

Levels

$485

Per sqft

Private poolFireplaceTrees/Woods viewNegotiable

Inside

FlooringLuxury Vinyl · Porcelain Tile
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Refrigerator · Wine Refrigerator
InteriorBuilt-in Features · Central Vacuum · Dry Bar · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Split Bedroom · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room
CoolingCentral Air
HeatingElectric
FurnishedNegotiable

Outside & construction

RoofConcrete · Tile
ConstructionBlock
FoundationSlab
ViewTrees/Woods
FacesWest
ExteriorIrrigation System · Outdoor Kitchen · Private Mailbox · Sidewalk

Community & fees

HOA fee$405/mo
Taxes (2025)$8,752/yr
PetsBreed Restrictions, Cats OK, Dogs OK
CommunityGated Community - Guard · Irrigation-Reclaimed Water · Sidewalks

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$9,518 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,689
PMI (est., until 20% equity)$534
Property tax — 2025 actual bill$729
HOA fee — from the listing$405
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $142,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $142,500
Interest rate6.00%
Loan term

Estimated payment

$9,518/mo

Principal & interest$7,689
PMI (est., until 20% equity)$534
Property taxes (actual bill)$729
HOA / condo fee$405
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $1.4M
$616KedgeAI estimate $771,428 · range $641K$881K$1.5M

vs edgeAI estimate

+84.7%

$/sqft vs Palm Coast actives

$485 vs $216

Days on market

0 vs 47 typical

Where $485/sqft sits among the 400 Palm Coast actives

193
95
35
33
18
26 · this home
$159–213$213–268$268–322$322–376$376–431$431+

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

Map of 241 CONSERVATORY DRIVE

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

HighMatanzas High School★★★★
MiddleIndian Trails Middle School★★★★★
ElementaryOld Kings Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketBalanced5.8 months of inventoryBuyer’s market

$353K$373K

Palm Coast median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

168 of 400

Palm Coast actives have cut their price

Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 275% above the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

Jul 28, 2026Listed at $1,425,000 · 0 days on market since
2023Built · CONSERVATORY AT HAMMOCK BEACH

Reality check

What actually sold near 241 CONSERVATORY DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

426 BOURGANVILLE DRIVESold · Oct ’25

$805,718

426 BOURGANVILLE DRIVE · same community

3 bd · 3 ba · 2,350 sqft · $343/sqft · 128 DOM

105 COLECHESTER LANESold · May ’26

$483,000

105 COLECHESTER LANE

4 bd · 2.5 ba · 2,930 sqft · $165/sqft · 386 DOM

16 FLEMINGTON LANESold · Aug ’25

$370,000

16 FLEMINGTON LANE

4 bd · 3 ba · 3,000 sqft · $123/sqft · 33 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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 241 CONSERVATORY DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 241 CONSERVATORY DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

241 CONSERVATORY DRIVE FAQs

What would the monthly payment be for 241 CONSERVATORY DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,518/mo — principal and interest, the actual property-tax bill, the $405/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 241 CONSERVATORY DRIVE?+

The association fee works out to $405 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 241 CONSERVATORY DRIVE?+

The most recent tax bill on record (2025) was $8,752. 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 241 CONSERVATORY DRIVE?+

The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 $1,425,000, this home is listed about 261% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.

Which schools are assigned to 241 CONSERVATORY 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

Four things that matter here

01Positioned at the premium end

$1,425,000 runs 275% above the PALM COAST 32137 median — but at 2,939 sqft it's also 56% larger than the typical Palm Coast listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Listed today in a Palm Coast market that averages 47 — if it fits, move quickly.

04Strong 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.

Listing courtesy of REAL ESTATE MATTERS LLC · Robert Kanjian. MLS #FC320219.

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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