11 Ocean Dune Cir, photo 1
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Overview

4 bd5 ba4,566 sqft2 car garageSingle Family
TypeSingle Family
HOA$620/yr
Built2007
Lot19,205 sqft
Living area4,566 sqft
Price / sqft$634
Garage2 car

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About this home

Built-in FeaturesCeiling Fans(s)ElevatorHigh CeilingsOpen FloorplanPrimarybedroom UpstairsSolid Surface CountersSolid Wood Cabinets

11 Ocean Dune Cir is a 2007-built home in Armand Beach Estates, Palm Coast. Inside you'll find 4 bedrooms, 5 bathrooms, and 4,566 square feet of living space. Listed at $2,895,000 (about $634/sqft), 195 days on market. Flood zone X/VE - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $620 annually.

From the listing

Direct oceanfront living awaits in this exquisite custom home located on the coveted Ocean Dune Circle in Armand Beach Estates. This private, gated beachside community offers a quiet and serene setting with exceptionally low HOA fees and direct access to miles of pristine coquina sand beach, perfect for peaceful walks in either direction. Built in 2007, this custom home showcases exceptional craftsmanship and premium materials throughout, including custom-milled moldings, fine woodwork, porcelain, marble, and granite flooring, bronze custom stair railings, and beautiful cherry built-ins. Every detail reflects the highest level of quality and attention to luxury. Spanning three levels with abundant natural light and expansive views of the Atlantic Ocean, the home features a private elevator for easy access between floors. The first level includes two generously sized bedrooms that sit up high, offering beautiful ocean views. The second level boasts an open-concept living area with a gas fireplace and dramatic tall ceilings that flow seamlessly into a gourmet kitchen equipped with two adjacent prep kitchens and a premium appliance package. A spacious lanai provides the ideal spot to relax and enjoy sweeping water views and brilliant sunrise vistas. The third level features a loft/office with a wet bar, and custom built-in shelving with lighting. Along with two luxurious suites highlighted by a striking shared solarium enclosed balcony that offers breathtaking sky and ocean views. Resort-style living continues outdoors with a private pool and spa, plus a convenient private dune walkover that leads directly to the quiet coquina sand beach just steps away. Residents also enjoy easy access to the community pool, and a short bike or golf cart ride takes you to Malacompra Park. Additional highlights include 75 feet of direct oceanfront frontage, high and dry stem wall concrete block construction, a whole-house Generac generator, and so much more. This rare combination of privacy, luxury finishes, and effortless beachfront access makes this home the perfect coastal retreat for discerning families. Lot 7 is not included in the sale. Seller will separate at the time of closing.

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The essentials

Built
2007
Price / sqft
$634
On market
195 days
Annual tax
$37,603
HOA
$620/yr
Flood zone
X/VE · Low risk
Lot
19,205 sqft
Type
Single Family Residence

At a glance

Single family
3 stories · 2007
Waterfront
Gulf/Ocean
Private pool
Heated
2 car garage
Driveway
0.44 acres
Lot size

Payment

Est. monthly payment
$19,732/mo
Down payment (20%)
$579,000
Property taxes
$3,134/mo
HOA
$620/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2007
Lot
19,205 sqft
Cooling
Central Air
Heating
Central, Heat Pump
Parking
Driveway, Garage Door Opener, Ground Level
Pool
Gunite, Heated, In Ground, Lighting, Salt Water, Screen Enclosure
Waterfront
Gulf/Ocean
Days on Market
195
Built-in Features
Ceiling Fans(s)
Elevator
High Ceilings
Open Floorplan
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Thermostat
Walk-in Closet(s)
Wet Bar
Window Treatments
Balcony
Hurricane Shutters
Private Mailbox
Bar Fridge
Built-in Oven
Convection Oven
Cooktop
Dishwasher
Disposal
Dryer
Exhaust Fan
Gas Water Heater
Microwave
Range Hood
Refrigerator
Washer
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.

Flood Zone X/VE
Annual Tax (2025)
$37,603
Parcel #
20-10-31-0301-00000-0060

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
Armand Beach Estates
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
19,205 sqft
CoastalConstruction Control LineCity LimitsIn CountyLandscapedOversized LotPaved
HOA
$620/yr
Armand Beach Estates (May Management)

Price history

Date
Event
Price
10/1/2026
Price change
Source: Stellar MLS #FC317415
$2,895,000-9.5%
$634/sqft
4/2/2026
Listed for sale
Source: Stellar MLS #FC317415
$3,200,000
$701/sqft

Neighborhood

11 Ocean Dune Cir
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $2,895,000
$2.86M – $2.90M
98.7% – 100% of listTops out right at the list price
80% of listList price
254 of the last 507 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 195 after a $305,000 cut.

Sample: 507 closed home sales in 32137 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$19,732/mo
Principal & interest$15,099
Property taxes$3,134
Insurance$1,448
HOA$52
Down payment20% · $579,000
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

$2,895,000

$634 per sq ft

Beds and baths

4 beds, 5 baths

Size

4,566 sq ft

Time on market

195 days

Year built

2007

Monthly payment

About $19,732/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $37,603 annual tax bill, insurance, and the $620/yr HOA fee.

HOA fee

$620/yr

Managed by Armand Beach Estates (May Management).

Flood zone

Zone X/VE

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

Offer

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Have another question?

Brokered byCOASTAL GATEWAY REAL ESTATE GROUPListing agent: Anthony LombardoListing data from Stellar MLS, MLS# FC317415.

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