Pending·105 days on market
29 Northshore Avenue
Palm Coast, FL 32137
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 homeAs 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard and pool on the south side. Today at this address: sunrise 7:26 AM, sunset 6:55 PM.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
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): $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.
History
Price & status history
- Oct 11, 2026Pending$1,190,000
- Oct 7, 2026Price change$1,190,000−$109,000
- Aug 19, 2026Price change$1,299,000−$100,000
- Jul 1, 2026Listed$1,399,000
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 $383/sq ft; this home is listed at $325/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 24 Cinnamon Beach Place, Palm Coast, FL 32137Listed by REALTY EXCHANGE OF FLORIDA | Jul 2026 | $1,900,000 | $537 | 5/5 | 3,536 | 4 | 0.9 |
| 8 Old Oak Drive N, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUP | Oct 2026 | $1,130,000 | $383 | 4/2 | 2,947 | 43 | 1.1 |
| 99 Cimmaron Drive, Palm Coast, FL 32137Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $525,000 | $202 | 3/3.5 | 2,594 | 10 | 1.4 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COASTAL GATEWAY REAL ESTATE GROUP
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
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Text Krista about this home20+ years · 500+ closings · NE Florida
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