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Active

Active·64 days on market

1 San Gabriel Lane

Palm Coast, FL 32137

$1,990,000$649/sqftEst. $10,146/moMLS# 2148248

Beds

Baths

3,064

Sq Ft

2000

Built

Garage

Pool

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

Mortgage calculator

Home Price

$1,990,000

Down Payment: 20%

$398,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$10,146

Principal & Interest: $10,146

Insurance (est.): $1,327

Estimated Total Monthly

$11,473

*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$10,146

HOAbilled monthly$238

Estimated total, before insurance$10,384/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).

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.

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 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

Jun 2, 2026Listed$1,990,000

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

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

HighMatanzas

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

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