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Active

Active·1 day on market

19 Avenue De La Mer 405

Palm Coast, FL 32137

$1,279,000$547/sqftEst. $6,575/moMLS# 2162515

Beds

Baths

2,340

Sq Ft

2005

Built

Garage

Pool

About this home

Palm Coast

There is something different about living directly on the ocean. The light, the sound of the waves, the changing horizon and at Cambria at Hammock Dunes, it begins the moment your private elevator opens directly into Residence 405. Unobstructed Atlantic Ocean views immediately become the backdrop to everyday living, while 24 inch polished porcelain floors reflect the natural light and give this residence a wonderful sense of openness and scale. This is oceanfront living that feels both refined and remarkably comfortable. Thoughtfully updated and beautifully maintained, the residence underwent an extensive refresh in December 2025. The bathrooms were transformed with porcelain tile floors, showers and surrounds, Brizo plumbing valves and fixtures, and striking black leathered quartzite vanity tops. The entire condominium was also freshly repainted at that time. The kitchen features modern appliances, while a dedicated laundry room offers a full size washer and dryer.

Cost to own

Mortgage calculator

Home Price

$1,279,000

Down Payment: 20%

$255,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$6,575

Principal & Interest: $6,575

Insurance (est.): $853

Estimated Total Monthly

$7,428

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$6,575

HOAbilled monthly$238

Estimated total, before insurance$6,813/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,497/yr · $1,041/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): $12,497/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Tile — year not disclosed (home built 2005)

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

Solar potential: ~1,809 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

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

Aug 28, 2026Listed$1,279,000

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

Features

Price$1,279,000

Price / Sq Ft$547

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,340

Acres2.93 acres

Year Built2005

TypeResidential

Sub-TypeCondominium

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesWest

Community Information

Address19 Avenue De La Mer 405, Palm Coast, FL 32137

Area605-Flagler County North-Beach

SubdivisionHammock Dunes

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Lot Size127,630.8 sq ft

Parcel Number0411311030000004050

ZoningResidential

Amenities

AmenitiesPool, Beach Access, Clubhouse, Elevator(s), Fitness Center, Gated, Golf Course, Maintenance Grounds, Management - Off Site, Sauna, Security, Spa/Hot Tub

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Underground

ViewBeach, Ocean

Waterfront TypeOcean Access, Ocean Front

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Elevator, Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit

Security24 Hour Security, Gated with Guard, Secured Elevator, Secured Lobby, Security Gate

Spa FeaturesIn Ground, Heated, Community