Active·22 days on market
20 Rue Grande Mer
Palm Coast, FL 32137
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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
Ocean & Golf Vistas Perched above the 18th green of the legendary Links Golf Course, this Mediterranean masterpiece offers a rare vantage point where emerald fairways meet the sapphire Atlantic. Situated on a premier .74-acre site in Hammock Dunes, this 10,019 sq. ft. estate is a masterclass in ''elevated living.'' An inverted floor plan strategically positions the main social spaces and the ''Primary Sanctuary'' on the second level (27' elevation) to capture breathtaking, unobstructed panoramic ocean vistas. Luxury finishes abound: a grand circular staircase, 8' antique chandelier, Brazilian walnut floors, and 2025 lighting upgrades. The epicurean kitchen - Busby cabinets, Wolf/Sub-Zero appliances, and a refrigerated wine cellar. Transition to resort life on the expansive loggia with pecky cypress ceilings, a saltwater heated pool, spa, and summer kitchen. Built to the highest standards with full impact protection, X flood zone, this is a fortress of luxury.
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 2008)
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: ~1,816 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 October 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Fort Matanzas south accessabout 10 mi · 40 parking spaces
Closest park or preserve
Pellicer Creek Conservation Areaabout 7 mi · 3.7 mi of trails
Closest public boat ramp
Bing's Landing Boat Rampabout 3 mi · Atlantic ICW (Flagler County) Matanzas River
Closest kayak & paddleboard launch
Bing's Landing Accessible Kayak Launch Dockabout 3 mi · Atlantic ICW (Flagler County) Matanzas River
Closest grocery store
Aldiabout 17 mi · 181 Blackford Way, St. Augustine
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
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 7:31 AM, sunset 6:47 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): $12,943/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 30, 2026Listed$4,700,000
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 $354/sq ft; this home is listed at $815/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3 Flagship Court, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUP | Oct 2026 | $1,290,000 | $306 | 4/3.5 | 4,220 | 83 | 0.8 |
| 240 Yacht Harbor Drive, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUP | Dec 2025 | $1,500,000 | $333 | 4/5 | 4,501 | 615 | 0.8 |
| 12 Via Salerno, Palm Coast, FL 32137Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY | May 2026 | $1,350,000 | $228 | 4/5 | 5,932 | 336 | 1.1 |
| 34 Cinnamon Beach Way, Palm Coast, FL 32137Listed by DJ & LINDSEY REAL ESTATE | Apr 2026 | $1,700,000 | $354 | 7/7.5 | 4,809 | 114 | 1.2 |
| 7 Capri Court, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUP | Apr 2026 | $2,700,000 | $535 | 5/6 | 5,049 | 81 | 1.3 |
| 38 Hammock Beach Circle Circle S, Palm Coast, FL 32137Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2025 | $3,500,000 | $582 | 6/5.5 | 6,017 | 29 | 1.5 |
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
School Information
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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Your Local Realtor
Krista Fracke
Broker Associate
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