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Active

Active·15 days on market

29 Northshore Avenue

Palm Coast, FL 32137

$1,399,000$382/sqftEst. $7,446/moMLS# 2153215

Beds

Baths

3,659

Sq Ft

2005

Built

Garage

Yes

Pool

About this home

Palm Coast

Relaxed coastal living meets everyday comfort in this spacious beachside home tucked away within the Northshore Estates area of the exclusive Hammock Beach community. Just steps away from the beach, this three story home offers the perfect blend of elegance, space and relaxed seaside charm. Boasting 3,658 square feet of living space and over 5,200 total square feet, this expansive property features five bedrooms and four and a half baths, providing multiple spaces for Family and Guests to gather and unwind. The second floor is the main living area and features a kitchen with sub-zero refrigerator, built in oven, microwave and an oversized island with cooktop and lots of cabinets. This second floor also has a dining room, living room and a large balcony to relax. Also on this floor are two guest bedrooms, one full and a half bath and a laundry room with washer and dryer, sink and cabinets. The third floor Primary suite features an ensuite bathroom and a private deck you can fall asleep

Cost to own

Mortgage calculator

Home Price

$1,399,000

Down Payment: 20%

$279,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$7,067

Principal & Interest: $7,067

Est. Taxes & Insurance: $1,767

Estimated Total Monthly

$8,833

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$7,446

HOAbilled quarterly$186

Estimated total, before insurance$7,632/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $15,412/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 2005)

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: ~1,779 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 1, 2026Listed$1,399,000

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

Features

Price$1,399,000

Price / Sq Ft$382

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,659

Total Structure Area5,270 sq ft

Acres0.18 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontYes

Direction FacesNorth

Community Information

Address29 Northshore Avenue, Palm Coast, FL 32137

Area605-Flagler County North-Beach

SubdivisionHammock Beach

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Lot Size7,840.8 sq ft

Parcel Number0411313604000000520

ZoningPUD

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewLake, Pool

Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories3

LevelsThree Or More

Security24 Hour Security, Gated with Guard