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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Pending

$1,100,000Pending4 bd · 3 ba · 2,577 sq ft

Pending·49 days on market

27 Sandpiper Lane

Palm Coast, FL 32137

$1,100,000$427/sqftEst. $5,997/mo mortgageMLS# 2165492
4
Beds
3
Baths
2,577
Sq Ft
2005
Built
3
Garage
No
Pool
FEMA Zone XHOA $375/mo8,712 sqft lotWaterfrontSingle 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

There are homes you simply live in, and then there are homes that remind you every day why you chose to live by the ocean. Set within the 24-hour guard-gated community of Ocean Hammock, this beautifully cared-for custom-designed 4-bedroom, 3-bath residence combines ocean views, peaceful natural surroundings and a location just a short landscaped stroll from private beach access. A dramatic approximately 30-foot wall of windows welcomes you inside, filling the open-concept living space with natural light while framing serene pond views and lush greenery. Otters and birds are frequent visitors, bringing nature right to your backyard. Tile flooring extends throughout the main living areas, while a custom built-in bookcase framing an antique mantel and gas fireplace adds warmth and character. The open, split-bedroom floor plan provides comfortable separation between the spacious primary suite and guest accommodations. The kitchen features granite countertops and stainless steel appliances

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$5,997
HOAbilled quarterly$375
Estimated total, before insurance$6,372/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,329/yr · $444/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

$1,100,000
$220,000
Loan Term
Monthly Payment
$5,997
Principal & Interest: $5,997
Insurance (est.): $733
Estimated Total Monthly
$6,731
*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 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: ~1,789 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 September 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

Northwest-facing backyard — summer sunsets, gentle days

The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 6:43 AM, sunset 5:34 PM.

  • The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
  • Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.

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): $5,329/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

  • Sep 25, 2026Pending$1,100,000
  • Sep 18, 2026Listed$1,100,000

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 $367/sq ft; this home is listed at $427/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
12 Oak View Circle E, Palm Coast, FL 32137Listed by ONE SOTHEBY'S INTERNATIONAL REALTYOct 2025$975,000$3674/32,65620.6
3 Cordoba Court, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUPJan 2026$1,400,000$4593/3.53,04860.7
250 Harbor Village Point N, Palm Coast, FL 32137Listed by NON MLS (realMLS)Mar 2026$1,007,500$3523/2.52,85900.9
8 Old Oak Drive N, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUPOct 2026$1,130,000$3834/22,947431.2
13 Old Oak Drive N, Palm Coast, FL 32137Listed by RE/MAX SPECIALISTSOct 2026$1,050,000$3544/3.52,9671561.3
12 Collingville Court, Palm Coast, FL 32137Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDENov 2025$700,000$2603/22,6931521.4

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

Price$1,100,000
Price / Sq Ft$427
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,577
Total Structure Area4,831 sq ft
Acres0.20 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleSpanish
StatusPending
# of Garages3
Has PoolNo
Is WaterfrontYes
Direction FacesSoutheast

School Information

ElementaryOld Kings
MiddleIndian Trails

Community Information

Address27 Sandpiper Lane, Palm Coast, FL 32137
Area605-Flagler County North-Beach
SubdivisionOcean Hammock
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size8,712 sq ft
Parcel Number0411313501000000280
ZoningPUD

Amenities

Community FeaturesStreet Lights, Gated
UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
Security24 Hour Security, Gated with Guard, Security Gate

Exterior

Exterior FeaturesBalcony, Outdoor Shower
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Rear Porch
RoofTile
ConstructionFrame, Stucco
Road SurfaceAsphalt, Paved
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 18, 2026
Days on Market49
HOA Fees$1,125 / Quarterly
HOA FrequencyQuarterly
HOA NameOcean Hammock POA/Vesta Property Services
HOA Fee IncludesMaintenance Grounds, Security
Tax Amount$5,328.75
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REMAX SELECT PROFESSIONALS

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

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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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