165 AVENUE DE LA MER UNIT 401, PALM COAST, FL, 32137
Active22 days on marketListed Sep 18, 2026MLS #FC321544
About this home
165 AVENUE DE LA MER UNIT 401
Live in paradise all year round with maintenance free living the beautiful oceanfront community of Hammock Dunes in Casa Bella II. This 3 bedroom, 2.5 bath condo feels like home living with its own private garage, screened patio, scenic views, community pool and fitness center out your back door and just a walk to the beach. Casa Bella is just 3 units in each building and a 2 car garage with additional storage which gives owners a sense of single family home ownership. This immaculate condo has had over $40,000 in upgrades including new HVAC, Total kitchen remodel, water heater replaced in 2021, Luxury Vinyl flooring in all bedrooms, new appliances and all new light fixtures. The oversized primary bedroom extends into a luxurious ensuite bath with his and her vanities, dual walk in closets, garden tub and large walk in shower. Hammock Dunes also offers membership to two world class Audubon certified championship golf courses, two clubhouses with dining, tennis, pickle ball, croquet and bocce ball. This unit is priced to sell and offers the utmost in unparralled luxury for the distinguished buyer.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,014
Sqft
0.22 ac
Lot size
2
Garage
2007
Year built
Three Or More
Levels
$273
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.
$5,335 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$5,335/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−51.6%
$/sqft vs HAMMOCK DUNES
$273 vs $547
Days on market
22 vs 73 typical
Where $273/sqft sits among the 20 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 → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
5 of 20
HAMMOCK DUNES have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 45% 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 165 AVENUE DE LA MER UNIT 401
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$785,000
17 MARBELLA COURT · same community
3 bd · 2 ba · 2,058 sqft · $381/sqft · 128 DOM
Sold · Dec ’25$850,000
17 MARBELLA COURT · same community
3 bd · 2 ba · 2,058 sqft · $413/sqft · 66 DOM
Sold · May ’26$1,300,000
85 AVENUE DE LA MER UNIT 705 · same community
3 bd · 2.5 ba · 2,110 sqft · $616/sqft · 57 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 165 AVENUE DE LA MER UNIT 401 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 165 AVENUE DE LA MER UNIT 401 — 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
165 AVENUE DE LA MER UNIT 401 FAQs
What would the monthly payment be for 165 AVENUE DE LA MER UNIT 401?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $5,335/mo — principal and interest, the actual property-tax bill, the $1,217/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 165 AVENUE DE LA MER UNIT 401?+
The association fee works out to $1,217 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 165 AVENUE DE LA MER UNIT 401?+
The most recent tax bill on record (2025) was $5,805. 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 165 AVENUE DE LA MER UNIT 401?+
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 $549,000, this home is listed about 41% 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 165 AVENUE DE LA MER UNIT 401?+
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
$549,000 runs 45% 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 $1,217/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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 FLORIDA HOMES REALTY & MORTGAGE · Kerry Cooke. MLS #FC321544.
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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