44 Ocean Oaks Ln, photo 1
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Overview

4 bd5 ba4,305 sqft4 car garageSingle Family
TypeSingle Family
HOA$510/qtr
Built2009
Lot14,941 sqft
Living area4,305 sqft
Price / sqft$309
Garage4 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Accessibility FeaturesBuilt-in FeaturesCeiling Fans(s)Central VaccumCrown MoldingDry BarEat-in KitchenElevator

44 Ocean Oaks Ln is a 2009-built home in Ocean Hammock, Palm Coast. Inside you'll find 4 bedrooms, 5 bathrooms, and 4,305 square feet of living space. Listed at $1,330,000 (about $309/sqft), 348 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $510 quarterly.

From the listing

Virtually Staged. An exceptional opportunity to own a spectacular golf course estate in Ocean Hammock, offering expansive golf and ocean views, superior construction, and a remarkably flexible floor plan at a compelling new price. Ideally situated along the 14th hole of the Hammock Beach Ocean Course within the gated Northshore Estates neighborhood, the property has recently been professionally cleared and landscaped to maximize the views, creating a dramatically more open and inviting outdoor setting. From the main living areas, bedrooms, porches, and rooftop belvedere, the home enjoys sweeping golf course vistas with views of the Atlantic Ocean beyond. Built with an emphasis on quality and durability, the residence features concrete block construction on both levels, impact-rated windows and doors, custom arched solid wood doors, spray foam insulation, newer HVAC systems, and a tiled tandem four-car garage. These structural features represent a level of construction rarely found in today's market and provide long-term value well beyond cosmetic finishes. Designed with flexibility in mind, the home incorporates handicap-accessible features, a private elevator, and a multi-generational floor plan that accommodates a variety of living arrangements. The upper level serves as the primary living space, featuring soaring ceilings, dramatic architectural details, a spacious great room, formal dining area, private office, wet bar, and a well-appointed kitchen with custom cabinetry, granite countertops, gas cooktop with grill, built-in wall oven, cabinet pantry, and breakfast area. The primary suite offers a private retreat complete with a flexible sitting room, dressing area, exercise space or coffee bar, along with a spa-inspired bath featuring multiple vanities, soaking tub, oversized shower, custom closet systems, and private water closet with bidet. The lower level provides exceptional versatility with three additional bedrooms, multiple en-suite baths, a secondary living area with wet bar, and ample space for extended family, guests, or multi-generational living. Outdoor spaces include multiple covered porches, tiled terraces, a gas fireplace, and a backyard with room to accommodate a custom pool if desired, see rendering in photos! The newly opened views create a significantly enhanced outdoor experience while providing future owners the opportunity to further customize the property to their lifestyle. A spiral staircase leads to the home's signature belvedere tower, offering one of the most unique vantage points in Ocean Hammock with panoramic views of the golf course, Hammock Beach Club, and the Atlantic Ocean. For buyers seeking location, quality construction, generous square footage, and long-term value, 44 Ocean Oaks Lane presents a rare opportunity to acquire a custom-built Ocean Hammock estate on a homesite worth over $600,000 aloneโ€”at a price point that would be difficult to recreate in today's market.

The essentials

Built
2009
Price / sqft
$309
On market
348 days
Annual tax
$17,420
HOA
$510/qtr
Flood zone
X500 ยท Low risk
Lot
14,941 sqft
Type
Single Family Residence

At a glance

Single family
Built 2009
Water views
Golf Course
4 car garage
Driveway
0.34 acres
Lot size
4,305 sqft
Living area

Payment

Est. monthly payment
$9,223/mo
Down payment (20%)
$266,000
Property taxes
$1,452/mo
HOA
$510/qtr
Rate assumed
6.8% ยท 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2009
Lot
14,941 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Garage Faces Side, Other, Oversized, Tandem, Workshop in Garage
Days on Market
348
Accessibility Features
Built-in Features
Ceiling Fans(s)
Central Vaccum
Crown Molding
Dry Bar
Eat-in Kitchen
Elevator
High Ceilings
IN Wall Pest System
Kitchen/Family Room Combo
Open Floorplan
Pest Guard System
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Wet Bar
Window Treatments
Balcony
Lighting
Outdoor Kitchen
Private Mailbox
Rain Gutters
Storage
Deed Restrictions
Gated Community - Guard
Golf Carts OK
Golf
Street Lights
Bar Fridge
Built-in Oven
Convection Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Indoor Grill
Microwave
Range Hood
Refrigerator
Washer
Water Softener
Wine Refrigerator
Elementary
Old Kings Elementary
Middle
Indian Trails Middle-FC
High
Matanzas High

Districts can re-zone, so verify directly with the district before relying on these.

In a CDD (Community Development District) Flood Zone X500
Annual Tax (2024)
$17,420
Parcel #
04-11-31-3602-00000-0060

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Ocean Hammock
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
14,941 sqft
Conservation AreaLandscapedLevelOn Golf CourseOversized LotPrivatePaved
HOA
$510/qtr
Vesta Property Services/Stehanie Hull

Price history

Date
Event
Price
9/28/2026
Price change
Source: Stellar MLS #FC313661
$1,330,000-6.9%
$309/sqft
-
Price change
Source: Stellar MLS #FC313661
$1,429,000-24.7%
$332/sqft
11/1/2025
Listed for sale
Source: Stellar MLS #FC313661
$1,899,000
$441/sqft

Neighborhood

44 Ocean Oaks Ln
Palm Coast, FL, 32137 ยท 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $1,330,000
$1.31M โ€“ $1.33M
98.6% โ€“ 100% of listTops out right at the list price
80% of listList price
254 of the last 506 home closings in 32137 landed at this number or higher (50%). The median one sat 49 days before it went under contract, and this one is on day 348 after a $569,000 cut.

Sample: 506 closed home sales in 32137 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$9,223/mo
Principal & interest$6,936
Property taxes$1,452
Insurance$665
HOA$170
Down payment20% ยท $266,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$1,330,000

$309 per sq ft

Beds and baths

4 beds, 5 baths

Size

4,305 sq ft

Time on market

348 days

Year built

2009

Monthly payment

About $9,223/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $17,420 annual tax bill, insurance, and the $510/qtr HOA fee.

HOA fee

$510/qtr

Managed by Vesta Property Services/Stehanie Hull.

Flood zone

Zone X500

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byONE SOTHEBYS INTERNATIONALListing agent: Kory LostaglioListing data from Stellar MLS, MLS# FC313661.

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