22 NORTHSHORE DRIVE, PALM COAST, FL, 32137
Active25 days on marketListed Sep 15, 2026MLS #FC321454
About this home
22 NORTHSHORE DRIVE
Under Construction. Coming Soon — Construction is already underway by a premier custom home builder. 22 Northshore Drive offers a rare opportunity to personalize your luxury coastal home in Northshore Estates at Hammock Beach Golf Resort & Spa. Just a short walk from the Atlantic Ocean, resort amenities, and private upscale dining, this 3,048 sq. ft. residence is designed for effortless entertaining. Equipped with an elevator, the home's thoughtful floor plan features two ensuite bedrooms, a gathering room, a dedicated pool bath, and an outdoor kitchen on the first floor—all opening directly to your private pool and backyard sunrise views over the ocean. Up on the second level, the high-end gourmet kitchen with custom cabinetry connects seamlessly to an expansive great room wrapped in natural light and glass sliders. Step out onto the eastern balcony to take the spiral staircase up to the rooftop pavilion for gentle sea breezes and panoramic views. The main suite is situated upstairs with dual walk-in closets and sunset views, alongside a flexible fourth bedroom perfect for an office, nursery, or hobby space. With 4 bedrooms, 4.5 baths, and time left to select your own finishes, colors, and upgrades, this is a unique chance to tailor a custom home in a top-tier resort setting.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,054
Sqft
0.19 ac
Lot size
3
Garage
2026
Year built
Multi/Split
Levels
$639
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.
$11,834 /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
$11,834/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
+36.5%
$/sqft vs Palm Coast actives
$639 vs $216
Days on market
25 vs 73 typical
Where $639/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 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)
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 413% 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 22 NORTHSHORE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$4,900,000
354 OCEAN CREST DRIVE · same community
5 bd · 6 ba · 6,117 sqft · $801/sqft · 0 DOM
Sold · Oct ’25$990,000
9 CYPRESSWOOD DRIVE N
3 bd · 2.5 ba · 3,121 sqft · $317/sqft · 158 DOM
Sold · Apr ’26$950,000
29 COLLINGTON COURT
3 bd · 2.5 ba · 2,917 sqft · $326/sqft · 283 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 22 NORTHSHORE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22 NORTHSHORE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
22 NORTHSHORE DRIVE FAQs
What would the monthly payment be for 22 NORTHSHORE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,834/mo — principal and interest, the actual property-tax bill, the $186/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 22 NORTHSHORE DRIVE?+
The association fee works out to $186 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 22 NORTHSHORE DRIVE?+
The most recent tax bill on record (2025) was $2,811. 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 22 NORTHSHORE DRIVE?+
The listing reports pets: Yes. 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 $1,950,000, this home is listed about 400% 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 22 NORTHSHORE DRIVE?+
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
$1,950,000 runs 413% above the PALM COAST 32137 median — but at 3,054 sqft it's also 62% larger than 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 · Joan McCullough. MLS #FC321454.
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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