5 ROMA COURT, PALM COAST, FL, 32137
Active4 days on marketListed Aug 13, 2026MLS #FC320509
About this home
5 ROMA COURT
Virtually Staged. Rare two-parcel offering in prestigious Hammock Dunes, 5 Roma Court presents approximately 0.7 combined acres in a beautifully established tropical setting just moments from the beach. Situated on a quiet cul-de-sac, this 3-bedroom, 3-bath residence offers approximately 3,299 square feet for gracious living and entertaining. A circular driveway creates an impressive arrival amid mature landscaping. Inside, architectural details include 10- to 12-foot ceilings, an elegant tray ceiling in the great room, skylights, plantation shutters, travertine flooring, and abundant natural light. A chef’s kitchen, dedicated library/office with wood flooring, generous living areas and spacious primary suite with his-and-hers walk-in closets complete the thoughtfully designed interior. Outdoor living features a summer kitchen, open-air koi pond and lush, mature landscaping overlooking a wooded natural backdrop. A whole-home generator adds convenience and peace of mind. The adjoining parcel at 3 Roma Court is included in the offering, providing additional space and possibilities for the future. Located within Hammock Dunes, a premier gated oceanfront and Audubon International Certified Sustainable Community, 5 Roma Court is moments from the Atlantic and private beach access. Optional membership in the Hammock Dunes Club offers championship golf, tennis, pickleball, croquet, fitness, dining and an active social calendar—bringing together beach, club and coastal living.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
3,299
Sqft
0.69 ac
Lot size
2
Garage
2008
Year built
One
Levels
$362
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 and the real association fee — not generic estimates.
$7,802 /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
$7,802/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.
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.
vs edgeAI estimate
−12%
$/sqft vs HAMMOCK DUNES
$362 vs $449
Days on market
4 vs 49 typical
Where $362/sqft sits among the 18 homes for sale in HAMMOCK DUNES
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 → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
8 of 18
HAMMOCK DUNES have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 215% 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 5 ROMA COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$1,150,000
101 ISLAND ESTATES PARKWAY · same community
3 bd · 3 ba · 3,490 sqft · $330/sqft · 254 DOM
Sold · Jan ’26$1,400,000
3 CORDOBA COURT · same community
3 bd · 3.5 ba · 3,048 sqft · $459/sqft · 2 DOM
Sold · Jun ’26$1,060,000
2 MARBELLA COURT · same community
3 bd · 4.5 ba · 2,971 sqft · $357/sqft · 106 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
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5 ROMA COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5 ROMA COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5 ROMA COURT FAQs
What would the monthly payment be for 5 ROMA COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,802/mo — principal and interest, the actual property-tax bill, the $72/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 5 ROMA COURT?+
The association fee works out to $72 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5 ROMA COURT?+
The most recent tax bill on record (2025) was $8,082. 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 5 ROMA COURT?+
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 $1,195,000, this home is listed about 199% 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 5 ROMA COURT?+
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
Four things that matter here
01Positioned at the premium end
$1,195,000 runs 215% above the PALM COAST 32137 median — but at 3,299 sqft it's also 75% larger than the typical Palm Coast listing.
02Garden & Trees/Woods views
The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 4 days on market in a Palm Coast market that averages 49 — if it fits, move quickly.
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.
Keep looking
Similar homes nearby
Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICE (OCEANSHORE) · Joyce Casis. MLS #FC320509.
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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