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The short answer

Yes, easily. About three out of four single-family homes with a Palm Coast address sit in the original lettered sections ITT laid out, such as the B, C, F, L, P, R, S, U and W Sections, and those neighborhoods have no mandatory HOA. You'll still follow city code, which covers things like boats and RVs in the driveway, work trucks and trash cans, but there are no HOA dues or architectural committee. Gated communities such as Grand Haven, Hammock Dunes and Palm Coast Plantation have HOAs, and some add a CDD assessment on the tax bill.

Original sections vs. HOA communities

TopicOriginal lettered sectionsHOA communities
Share of Palm Coast single-family homesAbout 75% (2026 state tax roll)About 25%, including gated and newer communities
Mandatory HOA duesNoYes, plus a CDD assessment in some communities
Who enforces standardsCity code complianceThe HOA and its architectural committee, plus city code
Boats and RVs in the drivewayUp to 3 days in any 7 for loading and maintenanceUsually stricter; check the documents
Work truck at homeOne per home under 26,000 lb, in the garage or driveway (since Nov. 2025)Florida law lets owners park personal pickups in the driveway; commercial vehicle rules vary
AmenitiesCity parks, trails and golfPools, clubhouses, gates and more, depending on the community

Market numbers: Stellar MLS; they refresh live when you open this page. Single-family homes, condos and townhomes.

Why most of Palm Coast has no HOA

ITT planned Palm Coast as one big community and deed-restricted the land to keep a consistent look. When the city incorporated in 1999, it carried most of those standards into city ordinances. The result is that the original sections are governed by city code rather than homeowners' associations. By my count from the state's 2026 Flagler County tax roll, 35,320 of the single-family homes with a Palm Coast address, about 75 percent, are on ITT section plats. My Palm Coast sections guide explains what each lettered section is like.

What city code still requires

  • Boats, RVs and campers can sit in a driveway only up to 3 days in any 7-day period, for loading, repair or getting ready for a trip. Utility trailers can't be parked on residential lots at all; keep them in the garage or off site.
  • Work trucks: since November 2025, one commercial vehicle under 26,000 pounds may be parked in the garage or driveway. Oversized vehicles and overnight swale parking are still not allowed.
  • Parking: no parking on the lawn, and no swale parking from 1 to 6 a.m.
  • Trash cans are screened from view except on collection day.
  • Fences, sheds and pools need permits.
  • Short-term rentals are allowed with yearly city and county registration and a 10-person cap.

So if you want to keep a boat at the house full time, look at homes with a garage deep enough for it, or at canal homes with a dock.

Where HOAs and CDDs come in

Gated and newer communities have mandatory HOAs: Grand Haven, Hammock Dunes, Ocean Hammock, Palm Coast Plantation, The Conservatory, Matanzas Shores and newer neighborhoods such as Sawmill Branch and Grand Landings. Some also have a community development district, which appears as a separate assessment on your property tax bill. Grand Haven, Hammock Dunes (the Dunes CDD), Sawmill Branch (Palm Coast Park CDD), Grand Reserve (Deer Run CDD) and Colbert Landings have CDDs. Read CDD fees vs. HOA fees for how they differ.

If you do buy in an HOA, Florida's 2024 HOA law added protections: associations can't ban parking your personal vehicle or pickup in your own driveway, must post documents online if they have 100 or more homes, and can't turn fines under $1,000 into a lien.

David Stanley, REALTOR®

My take

No-HOA neighborhoods are one of Palm Coast's best features, and many of my buyers come here for exactly that. Just know the city code still applies, especially the boat and trailer rules. Tell me what you want to park, build or rent and I'll filter to the homes and streets where it works.

David Stanley, Broker Associate, CENTURY 21 Fine Homes & Estates Realty Exchange. 23 years in North Florida, over $60 million in closed sales.

Find me a no-HOA home

See for yourself:Palm Coast homes for salePalm Coast sections guide

More questions people ask

Which Palm Coast neighborhoods have no HOA?
The original lettered sections ITT laid out, including Indian Trails (B), Palm Harbor (C and F), Cypress Knoll (E), Matanzas Woods (L), Pine Grove (P), Lehigh Woods (R), Seminole Woods (S and U), Pine Lakes (W) and Quail Hollow. They have no mandatory HOA.
Can I park my boat or RV in my driveway in Palm Coast?
Only for up to 3 days in any 7-day period, for loading, maintenance or getting ready to use it. Otherwise it needs to be in a garage or stored off site. Utility trailers can't be parked on a residential lot.
Can I park my work truck at home in Palm Coast?
Yes, since November 2025: one commercial vehicle per home, under 26,000 pounds, in the garage or driveway, with limits on how far equipment can stick out.
Are short-term rentals allowed in Palm Coast?
Yes, with yearly registration with the city and Flagler County, a state lodging license and tourist-tax registration, and a 10-person occupancy cap. HOA communities may restrict them further.
What's the difference between an HOA and a CDD?
An HOA is a private association funded by dues. A CDD is a special government district that funds infrastructure or amenities through an assessment on your property tax bill. Some Palm Coast communities have both.
Does Palm Coast still have ITT deed restrictions?
ITT deed-restricted the original lots, and the city later wrote most of those appearance standards into city code. Today the city's code compliance division enforces them in the original sections.

Sources

Facts checked against these sources on November 3, 2026. Rules, rates and fees change; confirm anything you'll rely on before you buy.

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