Free Guide · Palm Coast & Flagler County

Palm Coast Sections, Explained.

All 14 letter sections on one map — plus the communities that sit completely outside the letter system, which is the half nobody explains.

Every street in a section starts with the same letter. Here's what each one tells you.
Which communities carry an HOA — and the newer subdivisions inside lettered sections that still do.
The three questions to ask about any Palm Coast address before you get attached to it.
Built on the City of Palm Coast street map, May 2026. Sections derived from the city's own street index.

The Palm Coast Section Guide — cover and section map

Grab your free copy

11 pages. Instant download. No cost, no obligation.

I'll send the guide straight to your inbox. I may follow up about Palm Coast — reply STOP any time and that's the end of it. I don't sell or share your details.

Three questions. Sixty seconds.

That's all it takes to place any Palm Coast address — and it tells you more than the listing photos will.

Find the letter

Every street in a section starts with it. Find the letter on the map and you've placed the house in the city — roughly how old, what kind of lot, how far from the water.

Check for an HOA

Most lettered sections were platted with no mandatory homeowners association. A handful of newer subdivisions sit inside them and still carry one. Never assume from the street name.

Check the lot

Saltwater canal, freshwater canal, lake, preserve or dry. In Palm Coast that's the biggest single price mover there is, and it isn't close.

What's inside

Eleven pages, written to be used rather than skimmed.

The full section map, print-size
North — Indian Trails and Matanzas Woods (B, L)
Central — Belle Terre, Pine Grove, Lehigh Woods, Pine Lakes (P, R, W)
East — Woodlands and the Palm Harbor canals (BL, C, F)
South — and why the airport splits it in half (S, U, E, K, LL, Z)
West — Bunnell, and what's proposed out past US-1
The four groups of deed-restricted communities
The questions to ask about any address, as a checklist

Who put this together

Garrett Decker — The Decker Group, Brokered by Navy To Navy Homes. Marine Corps veteran. Florida Broker Associate and mortgage loan originator. Member of the City of Palm Coast Planning and Land Development Board. I live here, out in the S section.

Because I'm licensed on both the real estate side and the mortgage side, I can tell you what a specific house actually costs you every month instead of half the answer. Using me for the loan is never a condition of working with me on the house. That's always your call.

Send me any Palm Coast address and I'll tell you the section, whether it carries an HOA, and what the lot is. Takes about a minute, costs nothing. 386.449.9248