2 SAW MILL COURT, PALM COAST, FL, 32164
Active200 days on marketListed Jan 15, 2026MLS #FC314888
About this home
2 SAW MILL COURT
One or more photo(s) has been virtually staged. Located in Pine Lakes, the sought-after “W” Section of Palm Coast, within the desirable Hamptons community, this beautifully updated home offers a wonderful combination of comfort, style, and thoughtful upgrades. The neighborhood features underground utilities, sidewalks, street lights, mature landscaping, and a peaceful setting surrounded by a natural “living wall.” From the kitchen and bathrooms to the garage and every living space, this home has been enhanced with unique, carefully selected updates — including custom-designed closet storage that blends functionality, organization, and elevated design. Inside, the open and welcoming floor plan is ideal for both everyday living and easy entertaining. The kitchen serves as the heart of the home, featuring stainless steel appliances, granite countertops, modern cabinetry, and a touchless faucet, all flowing seamlessly into the dining and living areas. LED lighting with dimmer switches and new ceiling fans throughout add to the home’s refined yet comfortable feel. The primary suite offers a private retreat with a garden tub, dual-sink vanity, and beautifully tiled bathrooms with updated shower fixtures and new toilets. Each bedroom has been thoughtfully appointed with custom California closets, showcasing the home’s attention to detail and commitment to both comfort and style. Recent major improvements include a brand-new A/C system and a brand-new water heater, offering peace of mind for years to come. Gutters have also been added for additional convenience. Outdoor living is equally impressive, with a 24’ x 8’ covered and screened lanai accessible from multiple rooms — the perfect place for morning coffee, outdoor dining, or relaxing in the evening. The 12,000+ sq ft corner lot provides ample space to add a pool or create a personalized backyard retreat, all while enjoying the natural beauty and shade of mature oak trees. Conveniently located near local beaches, shopping, and dining, with a short commute to world-famous Daytona Beach and historic St. Augustine, this home offers access to some of the best of Northeast Florida living. Palm Coast is a paradise for outdoor enthusiasts, with over 19 miles of uncrowded coastline, 125 miles of hiking and biking trails, 15+ beautiful parks, world-class golf and tennis facilities, and excellent fishing and boating opportunities.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,068
Sqft
0.28 ac
Lot size
2
Garage
1993
Year built
One
Levels
$174
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$2,985 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,985/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
+3.2%
$/sqft vs Palm Coast actives
$174 vs $219
Days on market
200 vs 52 typical
Where $174/sqft sits among the 400 Palm Coast actives
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.
The investor lens
Two ways this home pays
This home sits inside Hampton Lakes, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental · projected
$47,111/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,000/mo median
Live Palm Coast rental listing data — this home’s rate depends on size, condition and furnishing.
The Palm Coast short-term market
▼ Softening42%
Occupancy
▼ 26% yr/yr
$319
Avg nightly rate
▲ 6% yr/yr
$32K/yr
Revenue per listing
$140
RevPAR
55 days
Booking lead time
5.7 nights
Avg stay
5
Typical min nights
733
Active rentals
▲ 2% supply
Seasonality — monthly occupancy
Peaks at 56% in Mar · bottoms at 33% in Sep
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Palm Coast — the projection above is specific to this home’s size.
Where it sits
Inside Pine Lakes
Hampton Lakes is a short-term-rental community. See the full guide →
Pine Lakes — neighborhood snapshot
Population
12,061
Median age
54
Median income
$75,387
Median home value
$315,200
Avg household
2
Households w/ children
868
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Coast market
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
167 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 6% above the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 2 SAW MILL COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$293,000
34 ROXANNE LANE
3 bd · 2 ba · 2,079 sqft · $141/sqft · 7 DOM
Sold · Apr ’26$300,000
19 RUSSKIN LANE
3 bd · 2 ba · 2,080 sqft · $144/sqft · 13 DOM
Sold · Dec ’25$297,000
7 RUSSKIN LANE
4 bd · 2.5 ba · 2,046 sqft · $145/sqft · 35 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2 SAW MILL COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2 SAW MILL COURT — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2 SAW MILL COURT FAQs
What would the monthly payment be for 2 SAW MILL COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,985/mo — principal and interest, the actual property-tax bill, the $112/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 2 SAW MILL COURT?+
The association fee works out to $112 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2 SAW MILL COURT?+
The most recent tax bill on record (2024) was $5,224. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 2 SAW MILL COURT be rented short-term?+
Yes — this home sits inside Hampton Lakes, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 2 SAW MILL COURT?+
The listing reports pets: Yes. 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 $359,900, this home is listed about 10% below the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 2 SAW MILL COURT?+
Buddy Taylor Middle School (middle), Rymfire Elementary School (elementary), Flagler-Palm Coast High School (high) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Zoned for nightly rentals
Hampton Lakes is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
02Time on market is leverage
200 days on market against a Palm Coast median of 52 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $368,000, now $359,900 — a $8K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE · Dominik Karnas. MLS #FC314888.
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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