Palm Coast Tiny Homes for Sale
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Tiny Homes in Palm Coast, Florida
Local GuideLooking for tiny homes for sale in Palm Coast, Florida? You've found the right place. We connect buyers with verified builders and dealers offering tiny houses, park models, container homes, and cabins in the Palm Coast area.
Tiny homes in Florida start from around $45,000 for a basic park model and range up to $150,000+ for a fully custom build. Whether you want a tiny house on wheels (THOW) with freedom to move, or a permanent foundation home, Palm Coast and the surrounding Florida area offer options for every budget and lifestyle.
💡 Browse the listings below and click "Get a Quote" on any home that interests you. A local builder will respond within 24 hours with current pricing and availability.
Last Updated: June 2026 · Data verified via Redfin, Zillow, Flagler County Property Appraiser (flaglerpa.com), Palm Coast Observer, Flagler County Buzz, DC BLOX/Google Sol cable announcements, Florida Made Tiny Homes, Plantation Oaks, Goshen Tiny Homes, and Flagler County PAD zoning records.
Tiny Homes for Sale in Palm Coast, Florida
Local GuidePalm Coast — Flagler County's largest city and one of Florida's most distinctive planned communities — sits on the Atlantic coast between St. Augustine (30 miles north) and Daytona Beach (30 miles south), offering barrier island beaches, over 70 miles of canals, and a median home price of $361,000–$365,000 (Redfin/Zillow, 2026) that tracks slightly below state average. Built from scratch in the late 1960s by ITT Community Development Corporation, Palm Coast features a unique lettered-section address system (A through Z) where every street name in a section starts with the same letter — a planning artifact that makes the city immediately recognizable and that has created micro-markets of no-HOA lots in the older lettered sections. The combination of waterfront canal lots available at $35,000–$75,000, Flagler County's emerging Planned Affordable Development (PAD) zoning that explicitly permits tiny homes in unincorporated areas, and Flagler Beach's Atlantic coast beauty just 5 miles east makes Palm Coast a genuinely interesting market for small-footprint housing.
Palm Coast's primary zip codes are 32137 (north and east Palm Coast, waterfront/canal areas, Washington Oaks Gardens State Park corridor) and 32164 (south and central Palm Coast, Seminole Woods, Belle Terre, major retail corridors), with 32110 covering Bunnell (Flagler County seat) and 32136 covering Flagler Beach. The city sits directly on I-95 — Florida's primary north-south interstate — with the exit at Palm Coast Parkway providing direct access to the Intracoastal Waterway and the Atlantic barrier island via SR-100. US-1 (Old Dixie Highway) runs parallel to I-95 through Bunnell and western Palm Coast. A1A (Ocean Shore Boulevard) is the coastal highway through Marineland and the barrier island communities connecting to St. Augustine and Daytona Beach. Florida has no state income tax.
🗺️ Palm Coast's lettered-section system is unique in Florida — 26 residential sections (A through Z) where every street name begins with the section letter. Streets in the B Section all start with B (Bunker Lane, Buckhorn Drive); the F Section has Fleetwood, Forrest, Flint. Many of these original ITT-planned sections have no HOA, no deed restrictions against small structures, and canal-front lots priced at $35,000–$75,000. For tiny home buyers interested in building a small footprint on owned land — a permanent foundation ADU or small custom home within Florida Building Code — these no-HOA lettered sections, particularly C and F (Intracoastal-adjacent), represent one of the most affordable waterfront entry points on Florida's Northeast Atlantic coast.
Palm Coast Housing Market — 2026
Live Market DataTiny Home vs. Traditional in Palm Coast
Cost Comparison- ❌ 20% down payment = $72,000–$73,000 needed upfront
- ❌ Flagler County combined millage ~17.5–18.0 mills — among FL's higher combined rates
- ❌ On $361K assessed: after $51K homestead = $310K taxable × 0.0175 = ~$5,425/yr ($452/mo)
- ❌ Property insurance: $120–$250/mo (non-HVHZ but coastal hurricane risk applies)
- ✅ Foundation tiny home (≤400 sq ft) on no-HOA lettered-section lot: ~$35K–$75K lot + $65K–$120K build
- ✅ Plantation Oaks (55+): ~$1,055/mo lot rent · 115-acre Flagler Beach community
- ✅ Bulow Plantation RV Resort: $475–$740/mo · water/sewer/garbage included · boat launch
- ✅ Flagler County PAD zoning: tiny homes permitted in unincorporated county by right under PAD designation
Tiny Homes for Sale in Palm Coast, FL
Current Listings
Available
$71,000
Four Corners THOW
Tiny House on Wheels
Off-grid-ready 20-ft THOW with composting toilet, 200-gallon fresh water tank, and 400W solar. Near Aztec Ruins National Monument.
Get a Quote →Tiny Home Communities Near Palm Coast
Where to Live🗺️ Palm Coast currently has no dedicated tiny home community within city limits — an identified market gap. The best current options are Plantation Oaks and Bulow Plantation (both in Flagler Beach, ~10 minutes east) for lot-rent living, or purchasing a no-HOA lot in one of Palm Coast's older lettered sections (B, C, E, F, P) for an owner-built tiny home on foundation. Flagler County's June 2021 PAD (Planned Affordable Development) zoning explicitly allows tiny homes and micro-apartments in unincorporated county areas with regulatory relief — making unincorporated Flagler County more permissive than the City of Palm Coast for small-footprint development. The canal-front lots in the C and F sections are particularly notable: waterfront land at $35,000–$75,000 per parcel with no HOA.
Zoning & Regulations — Palm Coast & Flagler County
Legal Guide🏛 City of Palm Coast — No ADU Ordinance (as of 2026)
- ⚠️ City of Palm Coast does NOT have a dedicated ADU-by-right ordinance as of June 2026
- City Council gave staff consensus in March 2026 to study duplex-lot splitting (minimum 9,000 sq ft lots, 800 sq ft min per unit) — no ordinance adopted yet
- Current city code addresses 'accessory buildings' and 'guest quarters' but no permissive ADU framework
- Contact Palm Coast Building Department: (386) 986-3736 · palmcoast.gov
- Foundation tiny homes meeting Florida Building Code (≤400 sq ft, ≥6'8" ceiling) may be permitted in some zones — verify by parcel with Building Dept.
🏛 Flagler County — PAD Zoning (Unincorporated, June 2021)
- ✅ Flagler County adopted Planned Affordable Development (PAD) zoning in June 2021
- PAD explicitly allows: tiny homes, micro-apartments, pocket neighborhoods, agrihoods, mobile home parks, townhomes
- Provides regulatory relief on minimum lot size and home size relative to standard zoning
- Applications reviewed case-by-case — contact Flagler County Growth Management: (386) 313-4002
- Florida Building Code maximums still apply: tiny homes ≤400 sq ft, ≥6'8" ceiling
- No-HOA residential lots in older lettered sections: canal lots $35K–$75K · no association restrictions
🏛 THOWs and Florida ADU Preemption
- THOWs (Tiny Houses on Wheels) = RVs under Florida Statute §320.01 — not permitted for permanent residence in Palm Coast or Flagler County without specific local authorization
- Florida SB 184 (2025) — statewide ADU preemption mandate — DIED June 16, 2025
- Florida SB 48 / HB 313 (2026) — same statewide mandate — DIED March 13, 2026
- If statewide ADU preemption passes in a future session (expected 2027), Palm Coast would be compelled to allow ADUs by right — monitoring ongoing
- For THOW placement: licensed RV parks in Flagler County are the legal path
⚖️ Palm Coast's zoning situation for tiny homes is in transition. The city itself has resisted ADU density — Vice Mayor Pontieri has publicly opposed broader ADU measures — but the March 2026 council consensus on duplex infill lots signals movement. The more permissive pathway right now is unincorporated Flagler County under PAD zoning, which explicitly allows tiny homes. For buyers wanting to place a tiny home on owned land within Palm Coast proper, a foundation-built structure (permanent foundation, ≤400 sq ft, meeting Florida Building Code) is the most legally defensible path. No-HOA lots in the older lettered sections have no deed restrictions against this approach. Always verify current parcel zoning with Palm Coast Building at (386) 986-3736 before purchasing.
Property Taxes — Palm Coast & Flagler County
Tax Guide💰 Flagler County's combined millage of 17.5–18.0 mills is on the higher end for Florida — driven primarily by the school district's 5.349 mills and county rate of 8.180 mills. The silver lining: the combined rate has been gradually declining, and the City of Palm Coast voluntarily reduced its rate by 0.1 mill in 2025. For tiny home buyers, the practical impact is manageable: a $75,000 tiny home assessed at $75K minus Florida's $51,411 homestead exemption = $23,589 taxable × 0.0175 = approximately $413/year ($34/month) in property taxes. That compares to ~$5,425/year on a median Palm Coast home. Verify exact parcel millage at Flagler County Property Appraiser (flaglerpa.com) or call (386) 313-4001.
Financing a Tiny Home in Palm Coast
Loan OptionsPalm Coast's buyer-friendly 2026 market (80+ days on market, increased inventory) gives small-home buyers negotiating leverage that didn't exist in 2021–2022. For tiny home financing, the Flagler County canal-front lots in no-HOA sections enable creative combinations of lot purchase + construction loan that aren't possible in HOA-controlled communities.
Types of Tiny Homes Available Near Palm Coast
Home TypesTiny Home Builders Near Palm Coast, FL
Local BuildersLandmarks & Attractions Near Palm Coast
Flagler County LifeA quiet, authentic Atlantic beach town directly east of Palm Coast — small-town Florida beach culture at its best with the classic Flagler Beach Pier, surf shops, independent restaurants, and a wide stretch of uncrowded sand. The drive from any Palm Coast lettered section to the Flagler Beach Pier takes 10–15 minutes on SR-100, making it the effective backyard beach for all of Palm Coast. It's the kind of beach town where residents go every day rather than tourists visiting once a year.
One of Florida's most beautiful state parks — 1,600 acres with formal gardens established by Owen Young (1930s–1940s), the only coquina rock beach in Florida (rock formations sculpted by waves), the Matanzas River tidal flats for kayaking, and landscaped gardens with roses, camellias, and azaleas. Washington Oaks is within Palm Coast city limits, accessible via A1A, and is the kind of under-discovered Florida gem that gives Palm Coast a genuine ecological identity beyond the canal system.
The world's first oceanarium (1938) — now a dolphin swim-with experience and marine research facility on the A1A coastal highway. Marineland was the original theme park of Florida, predating Disney by decades, and the property's history is embedded in Florida's cultural identity. The adjacent Guana Tolomato Matanzas National Estuarine Research Reserve is one of the largest protected estuaries on the East Coast.
The oldest continuously occupied European-established settlement in the continental United States (1565) — a 460-year-old living city with the Castillo de San Marcos National Monument (built 1672, oldest masonry fort in the US), the historic cobblestone district, St. George Street, the Bridge of Lions, and some of the most extraordinary colonial architecture in North America. From Palm Coast, St. Augustine is a 40-minute drive that feels like crossing into a different century.
The World Center of Racing — home to the Daytona 500, NASCAR's most prestigious race. Beyond motorsports, Daytona Beach has 23 miles of wide, hard-packed sand beach, Embry-Riddle Aeronautical University (one of the world's top aviation universities), Main Street motorsport culture, and the Daytona Beach Bandshell on the oceanfront. For Palm Coast residents, Daytona is the go-to destination for concerts, NASCAR weekends, and an entirely different energy from Palm Coast's quieter character.
Historic sugar mill ruins from the 1820s in a 2,800-acre wilderness park with one of Florida's best paddling trails along Bulow Creek — a blackwater creek through ancient live oak canopy. The Bulow Plantation was destroyed in the Second Seminole War (1836) and the ruins are among the best-preserved antebellum industrial sites in Florida. The adjacent Bulow Plantation RV Resort is named for this history and provides canal and creek access from within a tiny home community.
Driving from Palm Coast
Northeast FL HubPalm Coast's I-95 position makes it an exceptionally well-connected base — Jacksonville is 1 hour north, Daytona Beach is 40 minutes south, and Orlando is 1.5 hours west. St. Augustine is 40 minutes north via either I-95 or the scenic A1A coastal route.
Parks & Outdoor Recreation
Flagler County OutdoorsSchools, Employers & Healthcare in Palm Coast
Education & EconomyFlagler County Schools is a compact district consistently rated above Florida's state average — serving roughly 13,000 students across Flagler County with a focus on STEM and career/technical education. AdventHealth Palm Coast is the healthcare anchor, with an expanding campus that makes healthcare the county's top employment sector.
Grocery Stores in Palm Coast
Daily NecessitiesCost of Living in Palm Coast, FL
Monthly Budget🌴 Palm Coast delivers Northeast Florida's best combination of affordability and lifestyle — below-average cost of living for an Atlantic beach-access city, no state income tax, 70+ miles of canals in the backyard, Flagler Beach 5 miles east, and St. Augustine 40 minutes north. The 2026 buyer's market (80+ days on market, 20%+ inventory increase) gives tiny home buyers unusual negotiating power on canal lots that have been sitting. For buyers willing to build small, a no-HOA canal-front lot at $35K–$75K plus a foundation tiny home at $65K–$130K is realistically achievable at total project costs under $200,000 — waterfront property in Northeast Florida for under $200K is genuinely rare.
Palm Coast Climate — Atlantic Subtropical, Four-Season Lite
WeatherPalm Coast has a humid subtropical climate moderated by the Atlantic coast — warm, mild winters and hot, humid summers. The annual average temperature is approximately 69°F, with January averaging highs of 67°F and lows of 49°F — cool enough to need a jacket occasionally but never truly cold. August is the hottest month (89°F/75°F). Annual rainfall averages 49–52 inches, concentrated in the June–October wet season. Palm Coast is not in Florida's High Velocity Hurricane Zone (HVHZ, which is Miami-Dade and Broward only) — standard Florida Building Code applies to new construction. Hurricane Matthew (2016) caused significant coastal damage (~$50M); Tropical Storm Nicole (2022) caused moderate damage (~$23.7M) primarily from beach erosion.
Frequently Asked Questions — Palm Coast Tiny Homes
FAQsAre tiny homes legal in Palm Coast, FL?
It depends on the type and location. The City of Palm Coast has no dedicated ADU ordinance as of June 2026 — the city council is studying duplex infill zoning but has not adopted it. Foundation-built tiny homes (≤400 sq ft, permanent foundation, meeting Florida Building Code) may be permitted on residentially zoned lots in Palm Coast — verify by parcel at (386) 986-3736. Unincorporated Flagler County adopted PAD (Planned Affordable Development) zoning in June 2021 that explicitly allows tiny homes in designated areas. THOWs are classified as RVs in Florida and require placement in a licensed RV park. The most actionable current path: buy a no-HOA lot in one of Palm Coast's older lettered sections (B, C, E, F, P) and build a foundation tiny home. Call Florida Made Tiny Homes (floridamadetinyhomes.com) — they explicitly serve Palm Coast.
What is Palm Coast's lettered-section system?
Palm Coast was built from scratch by ITT Community Development Corporation starting in the late 1960s and divided into 26 residential sections labeled A through Z. Every street name within a section begins with that section's letter — all B Section streets start with B (Buckhorn Drive, Bunker Lane, etc.); all C Section streets start with C; and so on. Many of the original sections from the 1970s–1980s were built without HOAs, meaning there are no deed restrictions governing small footprint structures. Canal-front lots in sections C and F (Intracoastal-adjacent) can be purchased for $35,000–$75,000 with no HOA — an entry point to Atlantic-coast waterfront land that is essentially unique in Florida.
What does a tiny home cost in Palm Coast?
A foundation tiny home in Palm Coast requires a lot plus construction. No-HOA lettered-section lots run $35,000–$75,000. Florida Made Tiny Homes and Goshen Tiny Homes build block-constructed ADUs and tiny homes in the Palm Coast area starting around $65,000–$130,000. Cornerstone Tiny Homes (70 miles south in Longwood) builds foundation tiny homes from $91,000 with statewide delivery. A park model RVIA tiny home (for Bulow Plantation RV Resort or Plantation Oaks) from Great Lakes Tiny Home starts under $90,000 with a $2,500 deposit. Total cost for owned-land tiny home: $100,000–$200,000 for canal-front property.
What are property taxes on a tiny home in Palm Coast?
Flagler County's combined millage rate is approximately 17.5–18.0 mills — higher than many Florida counties due to the school district and county operating rates. However, Florida's 2026 homestead exemption of $51,411 significantly reduces the taxable base. For a $75,000 tiny home: after the homestead exemption, taxable value is approximately $23,589 × 0.0175 = ~$413/year ($34/month). For a $100,000 tiny home: $48,589 taxable × 0.0175 = ~$850/year ($71/month). Verify your exact parcel at Flagler County Property Appraiser (flaglerpa.com) or call (386) 313-4001.
Is Palm Coast a good place for tiny home living?
For the right buyer, Palm Coast is exceptional. The combination of 70+ miles of canals (accessible from many lettered-section lots), Flagler Beach 5 minutes east, Washington Oaks Gardens State Park within city limits, no HOA on older sections, St. Augustine 40 minutes north, Florida's no income tax, and canal-front lots at $35,000–$75,000 creates a genuinely distinctive small-home lifestyle opportunity. The 2026 buyer's market with 80+ days on market and 20%+ inventory growth means this is one of the best times in five years to buy a Palm Coast lot at a negotiated price. The main constraint: Palm Coast city itself has no ADU ordinance yet, so legal tiny home placement requires either a no-HOA lot with a foundation build (the best path), placement in Flagler County's PAD-zoned unincorporated areas, or use of a licensed RV park.
Explore More Tiny Homes in Florida
Related PagesReady to Find Your Tiny Home in Palm Coast?
Browse current listings above or connect with a builder for a free quote. With 70+ miles of canals, no-HOA lettered-section lots from $35K, Flagler Beach 5 miles east, Washington Oaks Gardens State Park in your backyard, St. Augustine 40 minutes north, and Florida's no income tax — Palm Coast is Northeast Florida's most distinctive small-footprint living opportunity.
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Nearby CitiesFrequently Asked Questions
FAQHow much does a tiny home cost in Palm Coast, Florida?
Tiny homes in Palm Coast typically range from $45,000 for a basic park model to $150,000+ for a custom-built tiny house on wheels or container home. Prices vary by size, finishes, and whether you need delivery. Browse current listings above for specific pricing from verified builders.
Are tiny homes legal in Palm Coast, Florida?
Tiny home regulations vary by county and municipality in Florida. Most areas allow park models in licensed RV communities, and many counties allow THOWs on private land. Permanent foundation tiny homes require building permits. Always verify current local zoning rules with the Palm Coast or county planning department before purchasing.
Can I finance a tiny home in Florida?
Yes. Financing options include: (1) Personal loans from lenders like LightStream, (2) RV loans for RVIA-certified THOWs, (3) Chattel loans for HUD-code park models, and (4) Traditional mortgages for permanent foundation tiny homes on owned land. Many builders also offer in-house financing. Ask your builder for their preferred lending partners.
What types of tiny homes are available in Palm Coast?
Builders in the Palm Coast area typically offer: tiny houses on wheels (THOWs), HUD-code park models, container homes, A-frame cabins, and tiny cabins on permanent foundations. Browse the listings above to see what's currently available from verified local builders.
How long does it take to buy a tiny home in Florida?
The timeline from first contact to move-in is typically 30–90 days for in-stock or nearly-complete builds. Custom builds can take 3–6 months. Park models that are already sited in a community can sometimes be purchased and occupied within 2–3 weeks. Contact a builder above to get current lead times.
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