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Overview

3 bd3 ba2,830 sqft2 car garageSingle Family
TypeSingle Family
HOA$394/mo
Built1993
Lot9,365 sqft
Living area2,830 sqft
Price / sqft$306
Garage2 car

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About this home

Built-in FeaturesCeiling Fans(s)High CeilingsPrimary Bedroom Main FloorSolid Surface CountersSolid Wood CabinetsSplit BedroomThermostat

13 Madeira CT is a 1993-built home in Hammock Dunes, Palm Coast. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,830 square feet of living space. Listed at $865,000 (about $306/sqft), 248 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $394 monthly.

From the listing

Tucked away on one of Hammock Dunes’ most peaceful streets, 13 Madeira Court is set beneath a canopy of mature oak trees at the end of a quiet cul-de-sac, offering privacy and a serene setting within this highly desirable gated community. Note: Roof, LVP flooring, Carpet, Windows, Exterior and Interior paint are all * BRAND NEW * This Spanish Mediterranean–style pool home features a tile roof and 2,830 square feet of thoughtfully designed living space with tranquil lake views. A tiled foyer welcomes you inside, where a conveniently located half bath sits at the front of the home. Two spacious living areas anchor this front portion of the residence, both enhanced by LVP flooring, high ceilings and abundant natural light—ideal for flexible use as formal living, sitting, or multipurpose spaces. The heart of the home is the main family and entertaining area. This inviting space features a wood-burning fireplace and French doors that lead to the enclosed tiled floor patio where the home opens comfortably to the outdoors. Just beyond the living space, a private pool awaits with serene lake views. Plantation shutters throughout the home add timeless style while maintaining a bright, airy feel. The bright white kitchen offers quartz countertops, a tile backsplash, and ample cabinetry, as it connects seamlessly to the central living space. The main-level primary suite is spacious and private, with direct patio access and a well-appointed bathroom featuring dual vanities, a large soaking tub, and a walk-in tile shower. Upstairs, two guest bedrooms with plush carpeting share a full bathroom, offering comfortable accommodations for family or visitors. Surrounded by mature landscaping and located within one of Palm Coast’s most sought-after private communities, this lakefront pool home blends quiet elegance, flexible living spaces, and a tranquil Hammock Dunes lifestyle.

The essentials

Built
1993
Price / sqft
$306
On market
248 days
Annual tax
$7,971
HOA
$394/mo
Flood zone
X · Low risk
Lot
9,365 sqft
Type
Single Family Residence

At a glance

Single family
Built 1993
Waterfront
Lake Front
Private pool
In Ground
2 car garage
9,365 sqft lot
Lot size

Payment

Est. monthly payment
$6,002/mo
Down payment (20%)
$173,000
Property taxes
$664/mo
HOA
$394/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1993
Lot
9,365 sqft
Cooling
Central Air
Heating
Electric, Heat Pump
Parking
-
Pool
In Ground
Waterfront
Lake Front
Days on Market
248
Built-in Features
Ceiling Fans(s)
High Ceilings
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Thermostat
Walk-in Closet(s)
Window Treatments
French Doors
Private Mailbox
Clubhouse
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Irrigation-reclaimed Water
Pool
Restaurant
Sidewalks
Special Community Restrictions
Tennis Court(s)
Built-in Oven
Cooktop
Dryer
Microwave
Refrigerator
Washer
Elementary
Belle Terre Elementary
Middle
Imagine Schools Town Center (K-8)
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 X
Annual Tax (2025)
$7,971
Parcel #
04-11-31-2988-00000-0250

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
Hammock Dunes
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
9,365 sqft
Cul-De-Sac
HOA
$394/mo
Southern States - Brie Cunniff

Price history

Date
Event
Price
5/5/2026
Price change
Source: Stellar MLS #FC315984
$865,000-3.8%
$306/sqft
2/7/2026
Listed for sale
Source: Stellar MLS #FC315984
$899,000
$318/sqft

Neighborhood

13 Madeira CT
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $865,000
$855,000 – $865,000
98.6% – 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 248 after a $34,000 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
$6,002/mo
Principal & interest$4,511
Property taxes$664
Insurance$433
HOA$394
Down payment20% · $173,000
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

$865,000

$306 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,830 sq ft

Time on market

248 days

Year built

1993

Monthly payment

About $6,002/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,971 annual tax bill, insurance, and the $394/mo HOA fee.

HOA fee

$394/mo

Managed by Southern States - Brie Cunniff.

Flood zone

Zone X

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

Offer

What should I offer?

Have another question?

Brokered byCOASTAL GATEWAY REAL ESTATE GRListing agent: Carlene ReardonListing data from Stellar MLS, MLS# FC315984.

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