41 NORTHSHORE AVENUE, PALM COAST, FL, 32137
Active1 days on marketListed Aug 10, 2026MLS #FC320577
About this home
41 NORTHSHORE AVENUE
Build your custom coastal retreat on this exceptional lakefront homesite, ideally situated within the exclusive, gated community of Hammock Beach. This premier property offers a rare opportunity to design your dream home surrounded by breathtaking natural beauty, tranquil water views, and close proximity to the cinnamon-colored sands of the Atlantic Ocean and the Hammock Beach Resort amenities. Step outside your future doorstep and experience a lifestyle defined by luxury and leisure. From pristine coastal landscapes and refreshing ocean breezes to nearby beach access and scenic walking paths, every day feels like a vacation. Enjoy stunning sunrises over the Atlantic and peaceful sunsets over the lake, all within a serene and secure master-planned community. Ownership provides the opportunity to join the renowned Hammock Beach Club, unlocking access to world-class resort-style amenities. Indulge in two championship golf courses designed by legends Jack Nicklaus and Tom Watson, a spectacular multi-level pool complex with a lazy river and water features, state-of-the-art fitness center, luxury spa services, tennis and pickleball courts, and an array of exceptional dining experiences across multiple on-site restaurants. Beyond the resort, embrace an active coastal lifestyle with miles of unspoiled beaches, as well as nearby opportunities for boating, kayaking, paddleboarding, biking, and hiking along the Intracoastal Waterway and surrounding nature preserves. Adding to the appeal, Hammock Beach continues to host exciting upcoming events and seasonal social experiences—from golf tournaments and culinary festivals to live entertainment and holiday celebrations—creating a vibrant and engaging community atmosphere year-round. Whether you are seeking a primary residence, vacation escape, or investment opportunity, this homesite offers the perfect blend of luxury, location, and lifestyle. Discover why Hammock Beach is one of Florida’s most desirable coastal communities—and make it the place you call home.
Facts & features
The home at a glance
0.15 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,337 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,337/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Palm Coast
Get to know Palm Coast. See the full Palm Coast guide →
PALM COAST 32137 — neighborhood snapshot
Population
47,003
Median age
56.5
Median income
$78,731
Median home value
$360,600
Avg household
2.3
Households w/ children
3,437
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Coast market
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% below the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 41 NORTHSHORE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$288,000
200 OCEAN CREST DRIVE UNIT 726 · same community
1 bd · 1 ba · 678 sqft · $425/sqft · 174 DOM
Sold · Dec ’25$318,500
200 OCEAN CREST DRIVE UNIT 624 · same community
1 bd · 1 ba · 678 sqft · $470/sqft · 2 DOM
Sold · Mar ’26$350,000
15 OCEAN CREST WAY UNIT 1315 · same community
3 bd · 2 ba · 1,696 sqft · $206/sqft · 5 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Gianfranco Di Flumeri Petrelli
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 41 NORTHSHORE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 41 NORTHSHORE AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
41 NORTHSHORE AVENUE FAQs
What would the monthly payment be for 41 NORTHSHORE AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,337/mo — principal and interest, the actual property-tax bill, the $186/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 41 NORTHSHORE AVENUE?+
The association fee works out to $186 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 41 NORTHSHORE AVENUE?+
The most recent tax bill on record (2025) was $2,699. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 41 NORTHSHORE AVENUE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $279,000, this home is listed about 30% below the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 41 NORTHSHORE AVENUE?+
Matanzas High School (high), Indian Trails Middle School (middle), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PALM COAST 32137 market on paper
$279,000 is 27% below the PALM COAST 32137 median of $379,990.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 1 day on market in a Palm Coast market that averages 49 — if it fits, move quickly.
04Strong assigned schools
Matanzas High School, Indian Trails Middle School, Old Kings Elementary School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Anthony Lombardo. MLS #FC320577.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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