Single Family Residence in Hammock Dunes, Palm Coast · No CDD on record
Hammock Dunes · Palm Coast, FL 32137 · Flagler County
Listing data checked against the MLS November 4, 2026 at 11:32 AM ET · rechecked hourly
Listed by Coastal Gateway Real Estate Group (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
4Bedrooms
3.5Bathrooms
6,400Sq Ft
2005Year Built
$699Per Sq Ft
Waterfront5-car garageNo CDD on record4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
107% above
$/sq ft vs community
$699 here vs $337 median sold (12 mo)
Buyer leverage
Strong seller market
7 days on market
2.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$16k–$32k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 12 of 12
Price vs recent sales
Asking $4.47M tops 12 of the last 12 closed sales; also one of the largest homes here at 6,400 sq ft
41 Calle Del Sur in Hammock Dunes, Palm Coast is listed at $4,475,000 (6,400 sq ft, about $699 per sq ft). That is 371% above Hammock Dunes's median closed sale of $950,000 over the last 12 months (6 recorded sales). Per square foot it is above the community's recent $337/sq ft by about 107%. It came to market within the past week. Listing facts: built in 2005, waterfront, HOA dues of $641/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2005 · 21 yrs
6,400 sq ft of living area
5-car garage
New to market
HOA $641/mo (per listing)
School district: Price range HOA No CDD HOA varies by village Highlights 2 Championship courses Water 2.5 mi Private oceanfront Schools Flagler County SchoolsCommunity built 1990–2025Children's Memorial Garden · 3 min driveGrace's Market · 8 min driveRed Koi · 8 min drive
Listing description
About this home
Magnificent DIRECT OCEANFRONT ESTATE in the Private Gated Community of Hammock Dunes. You know when you've arrived when you drive down Calle del Sur and are captivated by the impressive collection of homes with the Atlantic Ocean in back and Lake San Gabriel in front. Stunning ocean views from every angle of this home with oversized windows designed to take full advantage of the exquisite water views.
Enter the main level greeted by amazing ocean vistas and majestic stone gas fireplace. The upgraded kitchen features new stainless-steel appliances, including a 6-burner gas stove. Granite countertops are found throughout.
The dreamy water views continue from the large family room that leads out to the saltwater pool and spa overlooking the Atlantic Ocean. This home offers your choice of two primary bedroom suites, an office, three guest bedrooms, a theatre, a fitness room, two laundry room, multi-car garage with lift. In northeast Florida's premier private oceanfront community
All 24 photos
Description provided by Coastal Gateway Real Estate Group and reproduced from the MLS; not independently verified.
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Flagler County in the last 18 months. Only 2 qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 6,400 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated November 1, 2026.
How it stacks up
Comparable recent sales
Only 2 closed sales within about 10 miles in Flagler County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.
Sold Jul 2026
$3,200,000
34 Hammock Beach Circle #S, Palm Coast
5 / 5 bd/ba · 5,324 sq ft · $601/sq ft
Courtesy of Coastal Gateway Real Estate Group · View details →
Sold Jun 2026
$2,015,000
46 Ocean Oaks Lane, Palm Coast
4 / 4 bd/ba · 4,538 sq ft · $444/sq ft
Courtesy of Realty Pros Assured · View details →
Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$4,475,000
Bed / bath4 / 3.5
Living area6,400 sq ft
Year built2005
Property typeSingle Family Residence
Garage5-car
MLS #1232126
Listing statuslisted Oct 25, 2026
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~9 ft
CountyFlagler
Area listings1 active · 0 under contract
Estimated first-year tax~$64,825/yr
CDD assessmentNone on record
HOA$641/mo
Calculated estimates
Price per sq ft$699
Estimated monthly payment$32,273
Insurance (illustrative)$16k–$32k/yr
Comparable-sales median$950,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$32,273/mo
Principal & interest $24,398/mo76%
Taxes $5,402/mo17%
Insurance $1,832/mo6%
HOA $641/mo2%
$32,273/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Flagler County rate (14.65 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $34,625/yr ($2,885/mo) — taxable value $2,363,474 × 14.65 mills
$30,200 more each year
(+87%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$2,363,474
Market value
$2,363,474
Assessed
$2,363,474
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Daytona Beach Area AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 41 Calle Del Sur
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $34,625/yr (certified county roll, taxable value × millage). Buy at the asking price of $4,475,000 and the first-year bill resets to about $64,825/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 14.65 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
$641/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Flagler County is $1,626/yr (435 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $15,500–$32,000/yr; neither is a quote.
Roof and age
Built in 2005. An original roof would be about 21 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $6,179/month (tax $5,402, HOA $641, insurance $136). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$16k–$32k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$641/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~9 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Flagler County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Flagler County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively Moderate
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Hammock Dunes
Pricing & the Hammock Dunes market
How this home is priced against recent nearby sales, and where Hammock Dunes has been over 25 years. Momentum Research analysis of DBAMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Hammock Dunes
Each dot is a closed sale since 2002 (117 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). DBAAR closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2015–2026. This home lists at $699/sq ft.
Median sale price by year
12-month median closed price, 2015–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2016–2026. Now 29 (cold).
Property timeline
This home’s history
2005BuiltPer public record
About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Oct 24, 2026)
Oct 24, 2026First seen on movewithmomentum.comObserved at $4,475,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $4,475,000Coastal Gateway Real Estate Group · listed Oct 25, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
43/100
Strongest on: Pricing power (100), Market timing (71)
0 limited50100 exceptional
43/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $699/sq ft vs the community 12-month median $337/sq ft.
Affordability0
List price $4,475,000 vs the community median $950,000. Not a measure of personal affordability.
Market liquidity46
Community median 186 days on market, ~2.4 months of supply (12-month record).
Pricing power100
Recent sales closed at about 87.9% of original asking (~12.1% below). More room below asking generally favors buyers.
Market timing71
Momentum Market Heat is 29/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $699 per square foot, about 107% above the community’s $337 median. Hammock Dunes’s 12-month median sold price per square foot is $337. Median sold price per square foot is down 41.2% year over year. Confidence: Low · 6 closed sales in 12 monthsMLS facts: DBAAR closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Hammock Dunes sales closed near 87.9% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of DBAAR records, community-level, 12 months ending September 3, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in Hammock Dunes, no CDD assessment.
Checked against the MLS November 4, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Coastal Gateway Real Estate Group · MLS # 1232126
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Keep looking
Similar homes for sale near Hammock Dunes
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Parks Amenities
Palm Coast finishes Waterfront Park upgrades with new pavilion and 100-space parking lot
Palm Coast completed the latest phase of work at its 18-acre Waterfront Park on the Intracoastal Waterway, adding a 3,500-square-foot pavilion built for 135-mph winds and a 1.29-acre lot with 100 spaces. The park also has a boat launch, trails, a playground and fishing and kayaking access, with state navigation district grants covering part of the cost.
Why it matters: Added parking and a rentable pavilion expand waterfront recreation access for eastern Palm Coast. The site is about 2 miles south of Hammock Dunes.
Judge sends Palm Coast impact fee dispute with home builders toward trial and orders mediation
A circuit judge denied the Flagler Home Builders Association's bid for summary judgment on two counts of its suit over Palm Coast's 2025 impact fee increases, which averaged more than 100 percent. The city keeps collecting the higher fees while a refund order is stayed on appeal, mediation is ordered, and a November hearing will address the stay and escrow.
Why it matters: The outcome will affect permitting costs for new construction in Palm Coast and could shape the pace and pricing of future builds. The site is about 2 miles west of Hammock Dunes.
Palm Coast holds ceremonial opening of new Fire Station 22
The new station at the southeast corner of Palm Coast Parkway and Colbert Lane replaces the 1977 station and responds to about 18,700 calls a year. Funding of about $12.2 million came from the general fund, fire impact fees and American Rescue Plan money after a $5 million state appropriation was vetoed. The old station is slated to become a visitor center, though funding is not yet identified.
Why it matters: Adds modernized emergency response capacity along the Palm Coast Parkway corridor. The site is about 2 miles south of Hammock Dunes.
Promenade at Town Center in Palm Coast signs six tenants and opens apartment leasing
The six-building mixed-use project has signed six leases, including 6th Street Deli, Fleet Feet and AdventHealth Sports Rehab, and has begun leasing 204 apartments. It includes roughly 40,000 square feet of retail and 25,000 square feet of medical and office space. Half the buildings remain under construction and no opening date has been set.
Why it matters: Adds near-term retail, medical office and rental apartment options in the Town Center area. The site is about 3 miles southwest of Hammock Dunes.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Flagler County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Old Kings Elementary SchoolPublic PreK-6 (Flagler) · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEA
Indian Trails Middle SchoolPublic 6-8 (Flagler) · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEA
Matanzas High SchoolPublic 9-12 (Flagler) · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEB
Imagine School at Town CenterPublic charter K-8 · Flagler County School District · Grade B (Florida DOE 2025-26)
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Grace's Market 8 min
Dining
Red Koi 8 min
Shopping
B. Paul Katz 8 min
Parks
Children's Memorial Garden 3 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 41 Calle Del Sur, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2005 (21 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $641/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Flagler County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 6,400 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $64,825/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $30,200 more per year than the current owner’s estimated bill (+87%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
DBAAR, checked against the MLS hourly (last: November 4, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Flagler County — no medians or automated estimate shown
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of DBAAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 41 Calle Del Sur and when was it built?
Per the listing record, 41 Calle Del Sur was built in 2005 and has 6,400 sq ft of living area, 4 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 41 Calle Del Sur in?
41 Calle Del Sur is in Hammock Dunes in Palm Coast, Flagler County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 41 Calle Del Sur have an HOA, and how much are the dues?
The listing reports HOA dues of $641 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 41 Calle Del Sur differ from the current owner's?
The estimate on this page (about $64,825 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $30,200 more per year than the current owner’s estimated bill (+87%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 41 Calle Del Sur in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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1 / 1 photosListing courtesy of Coastal Gateway Real Estate Group
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
