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Active

Active·125 days on market

20 Rue Grande Mer

Palm Coast, FL 32137

$4,900,000$751/sqftEst. $24,984/moMLS# 2136283

Beds

Baths

6,524

Sq Ft

2008

Built

Garage

Yes

Pool

About this home

Palm Coast

Ocean & Golf Vistas Perched above the 18th green of the legendary Links Golf Course, this Mediterranean masterpiece offers a rare vantage point where emerald fairways meet the sapphire Atlantic. Situated on a premier .74-acre site in Hammock Dunes, this 10,019 sq. ft. estate is a masterclass in ''elevated living.'' An inverted floor plan strategically positions the main social spaces and the ''Primary Sanctuary'' on the second level (27' elevation) to capture breathtaking, unobstructed panoramic ocean vistas. Luxury finishes abound: a grand circular staircase, 8' antique chandelier, Brazilian walnut floors, and 2025 lighting upgrades. The epicurean kitchen - Busby cabinets, Wolf/Sub-Zero appliances, and a refrigerated wine cellar. Transition to resort life on the expansive loggia with pecky cypress ceilings, a saltwater heated pool, spa, and summer kitchen. Built to the highest standards with full impact protection, X flood zone, this is a fortress of luxury.

Cost to own

Mortgage calculator

Home Price

$4,900,000

Down Payment: 20%

$980,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$24,984

Principal & Interest: $24,984

Insurance (est.): $3,267

Estimated Total Monthly

$28,250

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$24,984

HOAbilled monthly$120

Estimated total, before insurance$25,104/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,943/yr · $1,079/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $12,943/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.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Tile — year not disclosed (home built 2008)

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

Sewer · FLA011602 - Dunes Community Development District · Public water (record)

County records show this parcel on central sewer served by FLA011602 - Dunes Community Development District — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,816 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

As of July 2026, 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.

History

Price & status history

Mar 23, 2026Listed$4,900,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$4,900,000

Price / Sq Ft$751

Bedrooms5

Bathrooms5.50

Full Baths5

Half Baths1

Square Footage6,524

Acres0.74 acres

Year Built2008

TypeResidential

Sub-TypeSingle Family Residence

StyleSpanish

Property ConditionUpdated/Remodeled

StatusActive

# of Garages4

Has PoolYes

Pool FeaturesIn Ground, Fenced, Heated, Salt Water

Is WaterfrontNo

Direction FacesNorth

Community Information

Address20 Rue Grande Mer, Palm Coast, FL 32137

Area605-Flagler County North-Beach

SubdivisionHammock Dunes

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Lot Size32,234.4 sq ft

Parcel Number0411313014000000220

ZoningPUD

Amenities

AmenitiesOther, Beach Access, Gated, Jogging Path, Maintenance Grounds, Management- On Site, Security

UtilitiesCable Available, Electricity Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingCircular Driveway, Garage, Garage Door Opener

ViewBeach, Golf Course, Ocean, Pool, Water

Interior

Interior FeaturesButler Pantry, Ceiling Fan(s), Eat-in Kitchen, Elevator, Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s), Wine Cellar

AppliancesOther, Dishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air, Multi Units, Split System

FlooringMarble, Tile, Wood

FireplaceYes

# of Fireplaces3

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level

Security24 Hour Security, Gated with Guard, Security Gate, Smoke Detector(s)

Spa FeaturesIn Ground