32 Northshore Ave, photo 1
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Overview

4 bd4 ba3,302 sqft2 car garageSingle Family
TypeSingle Family
HOA$650.07/qtr
Built2004
Lot6,400 sqft
Living area3,302 sqft
Price / sqft$439
Garage2 car

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

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsOpen FloorplanPrimarybedroom UpstairsSolid Surface CountersSolid Wood Cabinets

32 Northshore Ave is a 2004-built home in Ocean Hammock, Palm Coast. Inside you'll find 4 bedrooms, 4 bathrooms, and 3,302 square feet of living space. Listed at $1,450,000 (about $439/sqft), 114 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $650.07 quarterly.

From the listing

Welcome to 32 Northshore Avenue. Nestled in the gated enclave of Northshore Estates, this completely renovated, professionally decorated masterpiece offers the rare combination of refined coastal living, sweeping golf course-to-ocean views, and an unmatched beach lifestyle. Sold completely turn-key — fully furnished, professionally decorated, including an electric four-seat golf cart — this is the one you simply unpack your bags and move right into. Step through your private courtyard entry into a home where every detail has been elevated — wide-plank floors, crystal-and-brass stair rail, designer lighting, and curated coastal décor throughout. The brilliant split floor plan offers complete guest independence downstairs, with a spacious living area, full wet bar with retro Big Chill refrigerator, and private patio overlooking the golf course and pond. Two guest bedrooms share a beautifully appointed bath, while a third bedroom tucked privately off the courtyard offers its own en suite — a true retreat within a retreat. Upstairs, sweeping golf course-to-ocean views steal the show across a wide-open great room where the living area, dining room, and showpiece custom kitchen flow seamlessly together — a stunning space made for gathering and entertaining. The kitchen features white shaker cabinetry, bold brass Big Chill appliances, quartz island, pot filler, and a stunning butler's pantry with wine refrigerator and nautical toile wallpaper. The dining room overlooks the fairway beneath dramatic brass globe pendants, and the covered balcony is pure coastal bliss. A conveniently located upstairs laundry room keeps everything effortlessly organized. The expansive primary suite offers a sitting area and a completely renovated spa bathroom with freestanding soaking tub, oversized walk-in shower with dual rain heads, dual vanities, and two walk-in closets. A private office adjacent to the suite is ideal for those working remotely — quiet, well-lit, and just steps from the bedroom. Every bathroom is a design moment. Every room tells a story. Every detail has been considered. This is coastal living at its finest. Ocean breezes. Gorgeous views. Come unpack your bags. Walkable to the beach and to Hammock Beach Club, residents enjoy optional access to a world-class array of amenities including a fantasy pool complex, championship golf courses, tennis, a full-service spa, fitness center with classes, and a collection of restaurants and bars. Everything you need is within reach — from your morning coffee spot and bakery, to lunch on the water and dinner in the trees, with a grocery store and hardware store just down the street. Hammock Beach Club membership available separately.

The essentials

Built
2004
Price / sqft
$439
On market
114 days
Annual tax
$16,889
HOA
$650.07/qtr
Flood zone
X · Low risk
Lot
6,400 sqft
Type
Single Family Residence

At a glance

Single family
Built 2004
Water views
Golf Course
2 car garage
6,400 sqft lot
Lot size
3,302 sqft
Living area

Payment

Est. monthly payment
$9,911/mo
Down payment (20%)
$290,000
Property taxes
$1,407/mo
HOA
$650.07/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2004
Lot
6,400 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
114
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Open Floorplan
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Tray Ceiling(s)
Walk-in Closet(s)
Wet Bar
Window Treatments
Balcony
Courtyard
Hurricane Shutters
Special Community Restrictions
Bar Fridge
Dishwasher
Disposal
Dryer
Microwave
Range
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.

Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$16,889
Parcel #
0411313604000000370

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
6,400 sqft
LandscapedNear Golf Course
HOA
$650.07/qtr
Ocean Hammock

Price history

Date
Event
Price
9/4/2026
Price change
Source: Stellar MLS #FC319156
$1,450,000+3.6%
$439/sqft
-
Price change
Source: Stellar MLS #FC319156
$1,399,500-3.5%
$424/sqft
6/19/2026
Listed for sale
Source: Stellar MLS #FC319156
$1,450,000
$439/sqft

Neighborhood

32 Northshore Ave
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $1,450,000
$1.43M – $1.45M
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 114.

Sample: 506 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
$9,911/mo
Principal & interest$7,562
Property taxes$1,407
Insurance$725
HOA$217
Down payment20% · $290,000
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 is the fee 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

$1,450,000

$439 per sq ft

Beds and baths

4 beds, 4 baths

Size

3,302 sq ft

Time on market

114 days

Year built

2004

Monthly payment

About $9,911/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $16,889 annual tax bill, insurance, and the $650.07/qtr HOA fee.

HOA fee

$650.07/qtr

Managed by Ocean Hammock.

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 byHAMMOCK REAL ESTATE GROUPListing agent: Victoria FergusonListing data from Stellar MLS, MLS# FC319156.

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