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Overview

3 bd3 ba2,484 sqft2 car garageSingle Family
TypeSingle Family
HOA$72/mo
Built1990
Lot21,039 sqft
Living area2,484 sqft
Price / sqft$399
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsPrimary Bedroom Main FloorSolid Surface CountersSolid Wood CabinetsWalk-in Closet(s)Wet Bar

20 San Marco CT is a 1990-built home in Hammock Dunes, Palm Coast. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,484 square feet of living space. Listed at $992,000 (about $399/sqft), 28 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $72 monthly.

From the listing

Welcome to 20 San Marco Court in the prestigious private oceanfront community of Hammock Dunes! Situated on a beautifully landscaped homesite overlooking a tranquil lake, this 3 bedroom, 2.5 bath residence offers 2,484 square feet of comfortable living space with an inviting open floor plan, vaulted ceilings, and abundant natural light. The spacious kitchen features granite countertops, stainless steel appliances, generous cabinetry, and a breakfast bar that opens to the living area. A stunning floor-to-ceiling stone fireplace adds warmth and character, while the separate dining room provides an ideal space for entertaining. The primary suite offers a spacious bath with dual vanities, a soaking tub, and a walk-in shower. Step outside to your private screened lanai featuring a sparkling pool, spa, covered seating area, and built-in outdoor grill, all overlooking peaceful lake views. A separate outdoor patio surrounded by mature trees and lush tropical landscaping provides another inviting space to relax and enjoy the Florida lifestyle. To further elevate the Hammock Dunes community lifestyle, membership to the Hammock Dunes Club is available, offering a superior member experience. Amenities include an oceanfront clubhouse and a Low Country clubhouse with formal and casual dining options, two Audubon-certified golf courses designed by legendary architects Tom Fazio and Rees Jones, a 5,000-square-foot ocean-view fitness center, oceanfront pool complex, playground, splash pad, tennis courts, pickleball, croquet, bocce, and more.

The essentials

Built
1990
Price / sqft
$399
On market
28 days
Annual tax
$5,446
HOA
$72/mo
Flood zone
X · Low risk
Lot
21,039 sqft
Type
Single Family Residence

At a glance

Single family
Built 1990
Water views
Golf Course
Private pool
In Ground
2 car garage
0.48 acres
Lot size

Payment

Est. monthly payment
$6,196/mo
Down payment (20%)
$198,400
Property taxes
$454/mo
HOA
$72/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1990
Lot
21,039 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
In Ground
Days on Market
28
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Walk-in Closet(s)
Wet Bar
Lighting
Outdoor Grill
Outdoor Kitchen
Private Mailbox
Built-in Oven
Cooktop
Dishwasher
Dryer
Ice Maker
Microwave
Refrigerator
Washer
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)
$5,446
Parcel #
04-11-31-2986-00070-0080

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
21,039 sqft
HOA
$72/mo
Travis Houk

Price history

Date
Event
Price
10/18/2026
Listed for sale
Source: Stellar MLS #FC322131
$992,000
$399/sqft

Neighborhood

20 San Marco CT
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $992,000
$980,000 – $992,000
98.7% – 100% of listTops out right at the list price
80% of listList price
253 of the last 505 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 28.

Sample: 505 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
$6,196/mo
Principal & interest$5,174
Property taxes$454
Insurance$496
HOA$72
Down payment20% · $198,400
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

$992,000

$399 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,484 sq ft

Time on market

28 days

Year built

1990

Monthly payment

About $6,196/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,446 annual tax bill, insurance, and the $72/mo HOA fee.

HOA fee

$72/mo

Managed by Travis Houk.

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: Krista LibbyListing data from Stellar MLS, MLS# FC322131.

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