
41 CALLE DEL SUR, PALM COAST, FL, 32137
Active24 days on marketListed Sep 16, 2026MLS #FC321331
About this home
41 CALLE DEL SUR
DISCOVER THIS MAGNIFICENT DIRECT OCEANFRONT ESTATE located in the highly desirable "Playa del Sur" neighborhood within the Hammock Dunes Private Oceanfront Community. You'll know you've arrived when you drive down Calle del Sur and are captivated by the impressive collection of homes, with the Atlantic Ocean at the rear and Lake San Gabriel in front. Upon entering the main level, you are greeted by stunning ocean views from every angle. The oversized windows are designed to take full advantage of the exquisite water views from most rooms in the house, as well as incredible sunset views to the west, overlooking the sparkling lake. This main level includes a formal living room with a soaring ceiling and a majestic stone gas fireplace, along with an adjacent bar. The upgraded kitchen features new stainless-steel appliances, including a Kitchen Aid refrigerator, dishwasher, wall oven/microwave, and a commercial-style Wolf 6-burner stove. Granite countertops are found throughout, including in the expansive pantry that also houses one of two washers and dryers. Whether you are sitting at the kitchen countertop, in the breakfast nook, or relaxing in the large family room, all areas offer incredible views, allowing you to spot dolphins swimming, particularly out by the saltwater pool and spa. This dreamy patio also boasts a summer kitchen and convenient access to the pristine beach. Steps lead to a dog run on the side of the house. You'll also find one of the two primary bedroom suites on this level, which features two walk-in closets, double water closets, double sinks, a jetted tub. The beautifully designed dining room, with a tray ceiling, overlooks the lake on the main floor. The ocean views from the second primary bedroom on the upper level are simply amazing and include a sitting area and an oceanfront balcony. There are also east and west balconies on the upper level, plus a richly appointed office. An oceanfront guest bedroom, complete with a full bath and plantation shutters, provides a comfortable retreat for family and guests. The lower level of this home offers numerous possibilities. The garage can hold several cars and is equipped with a car lift for additional space. This level includes a laundry room with a sink and refrigerator, Wine Refrigerator, a fitness room, a bonus room, storage, full and half baths, a theater, and two additional bedrooms. Hammock Dunes is a Private Gated Oceanfront Community with 24-hour Gate Personnel and roaming security plus this home has a fully wired alarm system, including fire, smoke, carbon dioxide and water leaks. In addition to this luxurious seaside lifestyle, membership in the award-winning Hammock Dunes Club is available but not mandatory. The membership grants access to two renowned Audubon-certified 18-hole golf courses, two stunning clubhouses with casual and oceanfront dining, tennis, pickleball, bocce, oceanside croquet, state-of-the-art fitness facilities, an oceanside pool and spa, a splash pad, and a wealth of activities and friendships to last a lifetime. Conveniently located just 3 miles from I-95, this home offers easy access to Daytona, Orlando, Jacksonville, and Flagler Executive Airports.
Facts & features
The home at a glance
5
Bedrooms
5
Bathrooms
6,400
Sqft
0.38 ac
Lot size
7
Garage
2005
Year built
Three Or More
Levels
$699
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.
$29,211 /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
$29,211/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
+119.1%
$/sqft vs Palm Coast actives
$699 vs $216
Days on market
24 vs 73 typical
Where $699/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)
202 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 1078% 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 41 CALLE DEL SUR
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 · May ’26$3,675,000
45 CALLE DEL SUR
5 bd · 5.5 ba · 6,042 sqft · $608/sqft · 462 DOM
Sold · Sep ’26$3,500,000
35 CALLE DEL SUR
4 bd · 6.5 ba · 6,006 sqft · $583/sqft · 24 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 41 CALLE DEL SUR — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 41 CALLE DEL SUR — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
41 CALLE DEL SUR FAQs
What would the monthly payment be for 41 CALLE DEL SUR?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $29,211/mo — principal and interest, the actual property-tax bill, the $403/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 41 CALLE DEL SUR?+
The association fee works out to $403 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 41 CALLE DEL SUR?+
The most recent tax bill on record (2025) was $33,870. 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 41 CALLE DEL SUR?+
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 $4,475,000, this home is listed about 1047% above the Palm Coast median of $389,990. The market section on this page shows how the area is trending.
Which schools are assigned to 41 CALLE DEL SUR?+
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
Three things that matter here
01Positioned at the premium end
$4,475,000 runs 1078% above the PALM COAST 32137 median — but at 6,400 sqft it's also nearly 3 times the size of the typical Palm Coast listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong 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 · Diane Esposito. MLS #FC321331.
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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