12 RIVIERA PLACE, PALM COAST, FL, 32137
Active26 days on marketListed Sep 14, 2026MLS #FC321417
About this home
12 RIVIERA PLACE
Welcome to 12 Riviera Place — a rare direct oceanfront homesite in Grande Mer, the exclusive enclave within the private community of Hammock Dunes. With 115 feet of ocean frontage, this lot is notably wider than most others in the community, offering an expansive canvas for the custom coastal home you've been imagining. Wake up to unobstructed, breathtaking views of the Atlantic, with your private beach walkover delivering effortless access to sand and surf. And unlike many oceanfront parcels, 12 Riviera Place sits in flood zone 'X' — meaning livable space on the first floor, a rare and increasingly valuable advantage in coastal construction. Whether you're envisioning a luxury retreat or a full-time residence, this homesite delivers a unique combination: privacy, premier location, and true oceanfront exposure. Just steps from the property line, an extraordinary lifestyle awaits with optional membership to the Hammock Dunes Club — a Distinguished Emerald Club of the World — offering two championship golf courses, a world-class fitness center, tennis and pickleball, oceanfront dining, and an array of wellness and recreational amenities. A wider lot. Expansive oceans views. Direct beach access. In one of Florida's most refined coastal communities, opportunities like this rarely last. 12 Riviera Place — where your vision meets the ocean.
Facts & features
The home at a glance
0.35 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.
$11,499 /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
$11,499/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 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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 334% 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 12 RIVIERA PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$557,500
15 AVENUE DE LA MER UNIT 2304 · same community
2 bd · 2 ba · 1,458 sqft · $382/sqft · 3 DOM
Sold · Apr ’26$517,500
1 VISCAYA LANE UNIT 2204 · same community
2 bd · 2.5 ba · 1,837 sqft · $282/sqft · 102 DOM
Sold · Jul ’26$785,000
17 MARBELLA COURT · same community
3 bd · 2 ba · 2,058 sqft · $381/sqft · 128 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 12 RIVIERA PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 RIVIERA PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12 RIVIERA PLACE FAQs
What would the monthly payment be for 12 RIVIERA PLACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,499/mo — principal and interest, the actual property-tax bill, the $454/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 12 RIVIERA PLACE?+
The association fee works out to $454 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12 RIVIERA PLACE?+
The most recent tax bill on record (2025) was $16,355. 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 12 RIVIERA PLACE?+
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 $1,650,000, this home is listed about 323% 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 12 RIVIERA PLACE?+
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
$1,650,000 runs 334% 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.
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 ENGEL VOLKERS PALM COAST · Bob Bagdon. MLS #FC321417.
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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