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Active

$1,990,0003 bd · 3.5 ba · 3,064 sq ft

Active·158 days on market

1 San Gabriel Lane

Palm Coast, FL 32137

$1,990,000$649/sqftEst. $10,849/mo mortgageMLS# 2148248
3
Beds
3.5
Baths
3,064
Sq Ft
2000
Built
3
Garage
No
Pool
FEMA Zone XHOA $238/mo0.45 acresSingle Family Residence2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Palm Coast

Enjoy ocean and lake views, and the relaxing Florida lifestyle from this gorgeous updated custom home in the prestigious and gated Hammock Dunes. Walk to the Atlantic Ocean with private beach access. Club memberships at Hammock Dunes and Hammock Beach are available. The large home site is 125' wide on water and 150' deep. From the moment you enter both floors, the panoramic water views create an immediate sense of tranquility, immersing you in the natural beauty of this Audubon-certified coastal sanctuary. The concrete block home features 3 bedrooms, 2 offices, 2 gathering rooms, 3.5 baths and a 3 car garage. The 1st floor has a gathering room with a custom wet bar, 2 guest rooms, office, 2 full bathrooms, and laundry room. Upstairs is the main living area with white oak wood floors, owner's suite, half bath, and another office/ flex space with stunning views. The owner's suite includes a spa-like bath with a rain shower, body jets, two walk in closets with built-ins.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$10,849
HOAbilled monthly$238
Estimated total, before insurance$11,087/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,820/yr · $485/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,990,000
$398,000
Loan Term
Monthly Payment
$10,849
Principal & Interest: $10,849
Insurance (est.): $1,327
Estimated Total Monthly
$12,176
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 2000)

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: ~1,807 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 6:42 AM, sunset 5:34 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

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

2025 property taxes (current owner): $5,820/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.

History

Price & status history

  • Jun 2, 2026Listed$1,990,000

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

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 $400/sq ft; this home is listed at $649/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
15 Marbella Court, Palm Coast, FL 32137Listed by REMAX SELECT PROFESSIONALSApr 2026$825,000$3533/2.52,3361470.2
8 Rue Renoir, Palm Coast, FL 32137Listed by ONE SOTHEBY'S INTERNATIONAL REALTYOct 2026$1,250,000$4003/33,1231900.3
15 Via Roma, Palm Coast, FL 32137Listed by WATSON REALTY CORPFeb 2026$810,000$2854/32,8432600.6
3 Cordoba Court, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUPJan 2026$1,400,000$4593/3.53,04861
8 N Village Drive, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUPFeb 2026$525,000$1884/32,7992721.1
34 Ocean Ridge Boulevard S, Palm Coast, FL 32137Listed by KELLER WILLIAMS ST JOHNSJul 2025$2,575,000$6484/43,975101.2

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$1,990,000
Price / Sq Ft$649
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,064
Total Structure Area4,318 sq ft
Acres0.45 acres
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StyleSpanish, Traditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

ElementaryOld Kings
MiddleIndian Trails

Community Information

Address1 San Gabriel Lane, Palm Coast, FL 32137
Area605-Flagler County North-Beach
SubdivisionHammock Dunes
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size19,602 sq ft
Lot Dimensions150'x125'
Parcel Number0411312998000000040
ZoningResidential

Amenities

AmenitiesBeach Access, Gated, Jogging Path, Management- On Site
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewLake, Ocean

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Wet Bar, Other
AppliancesDryer, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level
SecurityGated with Guard

Exterior

Exterior FeaturesImpact Windows
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Rear Porch
RoofTile
ConstructionBlock, Stucco
Road SurfaceAsphalt, Paved
Road FrontagePrivate Road

Additional Information

Date ListedJune 2, 2026
Days on Market158
HOA Fees$238 / Monthly
HOA FrequencyMonthly
HOA NameHammock Dunes HOA
HOA Fee IncludesTrash
Tax Amount$5,819.87
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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