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Sold

Sold·Closed Sep 2, 2025·29 days on market

38 Hammock Beach Circle Circle S

Palm Coast, FL 32137

$3,500,000sold priceListed at $3,999,999 · 87.5% of asking$582/sqftMLS# 2092328
6
Beds
5.5
Baths
6,017
Sq Ft
2007
Built
2.5
Garage
No
Pool
HOA $256/mo8,276 sqft lotWaterfrontSingle Family Residence3 stories

About this home

Palm Coast

Experience premier oceanfront living with breathtaking views of the Atlantic and the 9th fairway. This 6-bed, 5.5-bath home offers an open layout with panoramic vistas from the great room, kitchen, dining, and bar—all framed by walls of windows. Enjoy direct beach access via a private walkway, a shaded porch for dining, and a sun deck for relaxing. The main-floor primary suite features a spa-like bath, walk-in closet, and private laundry. A third-floor study/media room opens to a balcony with sweeping views. The chef's kitchen includes two dishwashers, a double oven gas range, wine coolers, and a fireplace. Outdoor living shines with a courtyard fireplace and integrated tech for audio, lighting, and security. Located in a maintained village with included landscaping and irrigation. Optional Hammock Beach membership offers golf, tennis, pickleball, dining, a luxury spa, and a massive pool complex for the ultimate resort lifestyle.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$19,234
HOAbilled quarterly$256
Estimated total, before insurance$19,490/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$30,846/yr · $2,571/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Tile — year not disclosed (home built 2007)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,817 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:31 AM, sunset 6:47 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $30,846/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $333/sq ft; this home is listed at $665/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
34 Cinnamon Beach Way, Palm Coast, FL 32137Listed by DJ & LINDSEY REAL ESTATEApr 2026$1,700,000$3547/7.54,8091140.2
3 Flagship Court, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUPOct 2026$1,290,000$3064/3.54,220830.8
74 Old Oak Drive S, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUPMay 2025$1,914,355$4123/4.54,6502481
240 Yacht Harbor Drive, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUPDec 2025$1,500,000$3334/54,5016151.4
12 Via Salerno, Palm Coast, FL 32137Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTYMay 2026$1,350,000$2284/55,9323362.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$3,999,999
Price / Sq Ft$665
Bedrooms6
Bathrooms5.50
Full Baths5
Half Baths1
Square Footage6,017
Total Structure Area9,008 sq ft
Acres0.19 acres
Year Built2007
TypeResidential
Sub-TypeSingle Family Residence
StyleSpanish
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2.5
Has PoolNo
Is WaterfrontYes
Direction FacesEast

School Information

This listingNo schools reported in the MLS
ElementaryOld Kings, reported on 10 other Ocean Hammock listings
MiddleIndian Trails, reported on 10 other Ocean Hammock listings
HighMatanzas, reported on 10 other Ocean Hammock listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address38 Hammock Beach Circle Circle S, Palm Coast, FL 32137
Area605-Flagler County North-Beach
SubdivisionOcean Hammock
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size8,276.4 sq ft
Lot Dimensions47x175
Parcel Number04-11-31-3505-00000-0720
ZoningPUD

Amenities

AmenitiesClubhouse, Gated, Maintenance Grounds, Management - Full Time
Community FeaturesSidewalks, Gated
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane
Water SourcePrivate
ParkingGarage, Garage Door Opener, Gated
ViewBeach, Golf Course, Ocean
Waterfront TypeDeeded Beach Access, Ocean Access, Ocean Front

Interior

Interior FeaturesBuilt-in Features, Central Vacuum, Eat-in Kitchen, Elevator, Guest Suite, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s), Wet Bar
AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories3
LevelsThree Or More
LaundryIn Unit, Lower Level, Upper Level

Exterior

Exterior FeaturesImpact Windows, Outdoor Shower
Lot DescriptionOn Golf Course
Patio / PorchCovered, Front Porch, Porch, Rear Porch, Terrace
RoofTile
ConstructionBlock, Stucco
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedJune 9, 2025
Days on Market29
HOA Fees$767 / Quarterly
HOA FrequencyQuarterly
HOA NameOcean Hammock POA
HOA Fee IncludesMaintenance Grounds, Pest Control, Trash
Tax Amount$30,846
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 2, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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