3709 N OCEAN SHORE BOULEVARD, PALM COAST, FL, 32137
Active157 days on marketListed Mar 6, 2026MLS #FC316698
About this home
3709 N OCEAN SHORE BOULEVARD
Imagine waking up to the sound of waves and endless Atlantic views from the home you’ve always dreamed of building. This exceptional .22-acre oceanfront homesite in the prestigious Hammock Dunes Clusters presents a rare opportunity to create a custom beachfront retreat in one of Palm Coast’s most coveted coastal communities. Perfectly positioned along a pristine stretch of shoreline, this highly buildable lot offers the ideal canvas for your vision—whether it’s a striking modern coastal residence with walls of glass capturing breathtaking sunrises or a timeless beach house designed for relaxed seaside living. With direct ocean frontage and generous space to design a home that maximizes both views and privacy, the possibilities here are truly extraordinary. Set within the exclusive Hammock Dunes community, residents enjoy a peaceful, beautifully maintained setting surrounded by luxury homes, lush landscaping, and the natural beauty of Florida’s coastline. Just minutes away, the optional Hammock Beach Club membership unlocks world-class amenities including the Jack Nicklaus Ocean Course, Tom Watson Conservatory Course, state-of-the-art fitness center, full-service spa, gourmet dining, and the spectacular fantasy pool complex featuring a water slide and lazy river. This is more than a homesite—it’s the foundation for the coastal lifestyle you’ve always imagined. Bring your architect, bring your vision, and build something unforgettable on one of Palm Coast’s most desirable oceanfront properties.
Facts & features
The home at a glance
0.23 ac
Lot size
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 and the real association fee — not generic estimates.
$5,022 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,022/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Where it sits
Inside Palm Coast
Get to know Palm Coast. See the full Palm Coast guide →
PALM COAST 32137 — neighborhood snapshot
Population
47,003
Median age
56.5
Median income
$78,731
Median home value
$360,600
Avg household
2.3
Households w/ children
3,437
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 71% 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 3709 N OCEAN SHORE BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$4,090,000
85 CALLE DEL SUR · same community
4 bd · 6.5 ba · 7,682 sqft · $532/sqft · 212 DOM
Sold · Oct ’25$428,000
14 DEERFIELD COURT
3 bd · 2 ba · 1,640 sqft · $261/sqft · 102 DOM
Sold · Apr ’26$315,000
11 CROSSLINK COURT
2 bd · 2 ba · 1,649 sqft · $191/sqft · 20 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
Jillian Kobylesky
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3709 N OCEAN SHORE BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3709 N OCEAN SHORE BOULEVARD — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3709 N OCEAN SHORE BOULEVARD FAQs
What would the monthly payment be for 3709 N OCEAN SHORE BOULEVARD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,022/mo — principal and interest, the actual property-tax bill, the $553/mo association fee 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.
How much are the HOA fees at 3709 N OCEAN SHORE BOULEVARD?+
The association fee works out to $553 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3709 N OCEAN SHORE BOULEVARD?+
The most recent tax bill on record (2025) was $6,760. 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 3709 N OCEAN SHORE BOULEVARD?+
The listing reports pets: Breed Restrictions. 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 $649,000, this home is listed about 63% above the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3709 N OCEAN SHORE BOULEVARD?+
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
$649,000 runs 71% above the PALM COAST 32137 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $553/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
157 days on market against a Palm Coast median of 49 — sellers in this position are usually ready to negotiate.
05Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Erica Sobin. MLS #FC316698.
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.
Never miss a listing
New Palm Coast homes, in your inbox
Like 3709 N OCEAN SHORE BOULEVARD but not quite? A daily digest of every new listing in Palm Coast — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Jillian to ping you on any price or status change →