16 VISCAYA DRIVE UNIT 204, PALM COAST, FL, 32137
Active179 days on marketListed Feb 10, 2026MLS #FC316048
About this home
16 VISCAYA DRIVE UNIT 204
Welcome to the Carriage Homes "VISCAYA" at Hammock Dunes offering carefree year-round or vacation living. Created for those who want the carefree side of condominium living, but like your privacy set on a beautiful parcel of land just a few hundred yards from the ocean AND JUST WAIT UNTIL YOU SEE THE VIEW from this 33 foot Screened-in Terrace overlooking a gorgeous lake and the pristine Fairway on the Tom Fazio designed Links Course! These stunning vistas will also include views of native habitation. The Kitchen, Family Room with Gas Fireplace, and Primary Bedroom all look out to this magnificent view with French Doors in both Primary and Family Rooms and Plantation Shutters throughout. The Primary Bedroom Suite is tucked away for ultimate privacy and primary bath offers soaking tub, separate shower, dual vanity and walk-in closet. Guest bedroom and Study on the opposite side of residence. A guest half-bath, Foyer, and two car garage giving the feeling of a home but not the upkeep. If you're looking for that escape or your chance to call Hammock Dunes Home - look no further. Located within walking distance to the award-winning Hammock Dunes Club with membership available offering two spectacular Clubhouses, two 18-hole golf courses designed by Rees Jones and Tom Fazio, Tennis, Pickleball, Bocce, Fitness, Sumptuous Dining including Oceanfront Dining, kids splashpad, oceanside pool, Oceanside Croquet and an array of social activities and friendships to last a lifetime. A beautiful community and special opportunity awaits you.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,837
Sqft
0.24 ac
Lot size
2
Garage
1998
Year built
One
Levels
$283
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,960 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,960/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Palm Coast actives
$283 vs $222
Days on market
179 vs 49 typical
Where $283/sqft sits among the 400 Palm Coast actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Hammock Dunes
Get to know Palm Coast. See the full Palm Coast guide →
Hammock Dunes — neighborhood snapshot
Population
1,391
Median age
65
Median income
$121,250
Median home value
$772,500
Avg household
2
Households w/ children
31%
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Coast market
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
188 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 35% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 16 VISCAYA DRIVE UNIT 204
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$360,000
100 CANOPY WALK LANE UNIT 115
3 bd · 2 ba · 1,712 sqft · $210/sqft · 173 DOM
Sold · May ’26$325,000
1100 CANOPY WALK LANE UNIT 1125
3 bd · 2 ba · 1,712 sqft · $190/sqft · 28 DOM
Sold · Jul ’26$342,500
1200 CANOPY WALK LANE UNIT 1211
3 bd · 2 ba · 1,712 sqft · $200/sqft · 3 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 16 VISCAYA DRIVE UNIT 204 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16 VISCAYA DRIVE UNIT 204 — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
16 VISCAYA DRIVE UNIT 204 FAQs
What would the monthly payment be for 16 VISCAYA DRIVE UNIT 204?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,960/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 16 VISCAYA DRIVE UNIT 204?+
The most recent tax bill on record (2025) was $6,181. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 16 VISCAYA DRIVE UNIT 204?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $519,000, this home is listed about 30% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 16 VISCAYA DRIVE UNIT 204?+
Matanzas High School (high), Indian Trails Middle School (middle), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$519,000 runs 35% above the PALM COAST 32137 median.
02Golf Course & Water views
The golf course and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
179 days on market against a Palm Coast median of 49 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Matanzas High School, Indian Trails Middle School, Old Kings Elementary School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $545,000, now $519,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Diane Esposito. MLS #FC316048.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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