40 Casa Bella Cir #1102, photo 1
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Overview

3 bd3 ba2,463 sqft2 car garageCondominium
TypeCondominium
HOA + condo dues$2,115/mo
Built2005
Lot8,939 sqft
Living area2,463 sqft
Price / sqft$243
Garage2 car

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

About this home

Built-in FeaturesCeiling Fans(s)Eat-in KitchenElevatorPrimary Bedroom Main FloorSolid Surface CountersSolid Wood CabinetsSplit Bedroom

40 Casa Bella Cir #1102 is a 2005-built home in Casa Bella I, Palm Coast. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,463 square feet of living space. Listed at $599,500 (about $243/sqft), 180 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $410 monthly. Condo dues run $1,705 monthly.

From the listing

Located on a quiet cul-de-sac on Casa Bella Circle in Hammock Dunes, this 3-bedroom, 2.5-bath residence offers 2,463 square feet of expanded living space and a layout that stands apart. Designed as a true carriage-style home when originally built, the entire floor is your own—no neighbors on either side—allowing for windows all the way around and an abundance of natural light throughout. Direct elevator access opens straight into the unit, adding both convenience and privacy. Inside, the scale is immediately noticeable. Multiple living and dining areas provide flexibility for everyday living or hosting, without feeling crowded. Flooring is consistent throughout—tile in the main areas and luxury vinyl plank in the bedrooms—offering a clean, low-maintenance finish with no carpet anywhere. The kitchen is built for function, with a center island, granite countertops, stainless steel appliances, and generous cabinet space. It connects naturally to the main living areas, making it practical for both daily use and entertaining. One of the strongest features of this unit is the outdoor space. Multiple porches and patios—screened and open, covered and uncovered—give you options throughout the day, whether you’re looking for shade, sun, or a breeze. It’s a noticeable upgrade in usable square footage beyond the interior. The primary suite is well-sized, with a walk-in closet and a bathroom that includes dual vanities, a soaking tub, and a walk-in shower. Two additional bedrooms offer flexibility for guests or workspace. A 2-car garage at ground level and added storage round out the practical side of the home. Community amenities include a pool, hot tub, fitness center, and grilling area, while optional membership to the Hammock Dunes Club expands the lifestyle further with oceanfront dining, two championship golf courses, additional fitness, pools, and racquet sports. Well-positioned and easy to live in, this property offers the right balance of space, function, privacy, and access to top-tier amenities. More space, better outdoor living, and direct access—this unit delivers a step up in both layout and usability within the same community.

The essentials

Built
2005
Price / sqft
$243
On market
180 days
Annual tax
$8,661
HOA + condo dues
$2,115/mo
Flood zone
X · Low risk
Lot
8,939 sqft
Type
Condominium

At a glance

Condo
3 stories · 2005
Waterfront
Pond
Community pool
Fitness center too
2 car garage
Garage Door Opener
Private balcony
Outdoor space

Payment

Est. monthly payment
$6,264/mo
Down payment (20%)
$119,900
Property taxes
$722/mo
HOA + condo dues
$2,115/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
2005
Lot
8,939 sqft
Cooling
Central Air
Heating
Electric, Heat Pump
Parking
Garage Door Opener, Garage Faces Side, Ground Level, Guest
Waterfront
Pond
Days on Market
180
Built-in Features
Ceiling Fans(s)
Eat-in Kitchen
Elevator
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Balcony
French Doors
Lighting
Private Entrance
Sidewalk
Sliding Doors
Clubhouse
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Pool
Racquetball
Restaurant
Sidewalks
Tennis Court(s)
Built-in Oven
Cooktop
Dishwasher
Dryer
Microwave
Refrigerator
Washer
Elementary
Imagine Schools Town Center (K-8)
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 X
Annual Tax (2025)
$8,661
Parcel #
04-11-31-1055-00110-1102

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
Casa Bella I
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
8,939 sqft
Cul-De-SacNear Golf CourseOn Golf CourseSidewalkPavedPrivate
HOA + condo dues
$2,115/mo
$410/mo HOA plus $1,705/mo condo dues
Brie Cunniff

Price history

Date
Event
Price
4/14/2026
Listed for sale
Source: Stellar MLS #FC317705
$599,500
$243/sqft

Neighborhood

40 Casa Bella Cir #1102
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $599,500
$585,000 – $599,500
97.3% – 100% of listTops out right at the list price
80% of listList price
40 of the last 78 condo closings in 32137 landed at this number or higher (51%). The median one sat 73 days before it went under contract, and this one is on day 180.

Sample: 78 closed condo 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
$6,263/mo
Principal & interest$3,127
Property taxes$722
Insurance$300
HOA$2,115
Down payment20% · $119,900
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

$599,500

$243 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,463 sq ft

Time on market

180 days

Year built

2005

Monthly payment

About $6,264/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $8,661 annual tax bill, insurance, and $2,115/mo in HOA and condo dues.

HOA + condo dues

$2,115/mo

$410/mo HOA plus $1,705/mo condo dues. Managed by 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 GROUPListing agent: Carlene ReardonListing data from Stellar MLS, MLS# FC317705.

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