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Overview

3 bd3 ba2,408 sqft2 car garageSingle Family
TypeSingle Family
HOA$394/mo
Built1993
Lot13,591 sqft
Living area2,408 sqft
Price / sqft$257
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)Crown MoldingEat-in KitchenHigh CeilingsPrimary Bedroom Main FloorSolid Surface CountersSolid Wood Cabinets

10 Monterrey Dr is a 1993-built home in Monterrey Sub, Palm Coast. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,408 square feet of living space. Listed at $619,000 (about $257/sqft), 152 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $394 monthly.

From the listing

Located within the exclusive gated community of Hammock Dunes, this Spanish Mediterranean-style 3-bedroom, 2.5-bath residence offers timeless architectural character, golf course views, and an exceptional opportunity to personalize within one of Palm Coast’s most sought-after private communities. Surrounded by mature landscaping, the home features a tile roof, paver driveway and walkway, and a welcoming French door entry. Inside, the functional floor plan offers a blend of formal and casual living spaces. A formal dining room is positioned just off the entry, while a separate family room with a half bath and corridor laundry room provides additional flexibility and direct access to the garage. Upstairs, two guest bedrooms share a full bathroom, creating comfortable accommodations for family and guests. The main living area and spacious kitchen overlook the rear patio and golf course beyond. The kitchen features abundant cabinetry, tile countertops, a built-in desk area, and ample prep and storage space. Wood-look flooring extends throughout the main living space and continues into the first-floor primary suite, which includes a walk-in closet, dual vanities, a jetted soaking tub, and a walk-in tiled shower. French doors lead to a covered and screened tile patio overlooking the Hammock Dunes Links Course, offering a peaceful outdoor setting framed by lush landscaping and mature trees. With solid bones, a desirable layout, and an outstanding location within Hammock Dunes, this home presents an excellent opportunity for a buyer to update and create their own private coastal retreat.

The essentials

Built
1993
Price / sqft
$257
On market
152 days
Annual tax
$4,045
HOA
$394/mo
Flood zone
X · Low risk
Lot
13,591 sqft
Type
Single Family Residence

At a glance

Single family
Built 1993
Community pool
Fitness center too
2 car garage
0.31 acres
Lot size
2,408 sqft
Living area

Payment

Est. monthly payment
$4,269/mo
Down payment (20%)
$123,800
Property taxes
$337/mo
HOA
$394/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1993
Lot
13,591 sqft
Cooling
Central Air
Heating
Electric, Heat Pump
Parking
-
Days on Market
152
Built-in Features
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Thermostat
Walk-in Closet(s)
French Doors
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
Dishwasher
Dryer
Microwave
Refrigerator
Washer
Elementary
Imagine Schools Town Center (K-8)
Middle
Imagine Schools Town Center (K-8)
High
Matanzas High

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

Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$4,045
Parcel #
04-11-31-2988-00000-0370

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
Monterrey Sub
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
13,591 sqft
Near Golf CourseNear MarinaOn Golf CoursePavedPrivate
HOA
$394/mo
Southern States - Brie Cunniff

Price history

Date
Event
Price
7/28/2026
Price change
Source: Stellar MLS #FC318619
$619,000-10.2%
$257/sqft
-
Price change
Source: Stellar MLS #FC318619
$689,000-3.6%
$286/sqft
5/18/2026
Listed for sale
Source: Stellar MLS #FC318619
$715,000
$297/sqft

Neighborhood

10 Monterrey Dr
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $619,000
$610,000 – $619,000
98.7% – 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 50 days before it went under contract, and this one is on day 152 after a $96,000 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
$4,269/mo
Principal & interest$3,228
Property taxes$337
Insurance$310
HOA$394
Down payment20% · $123,800
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

$619,000

$257 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,408 sq ft

Time on market

152 days

Year built

1993

Monthly payment

About $4,269/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,045 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# FC318619.

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