CENTURY 21 Edge
$4,700,0005 bd5.5 ba6,524 sqft$720 /sqft≈$28,482 /mo all-in ↓

20 RUE GRANDE MER, PALM COAST, FL, 32137

Active11 days on marketListed Sep 29, 2026MLS #FC321789

Private poolSingle Family ResidenceHAMMOCK DUNES

About this home

20 RUE GRANDE MER

Mediterranean Coastal Elegance - Ocean and Golf Vistas. Perched majestically above the 18th green of the legendary Links Golf Course, this Mediterranean-inspired architectural masterpiece offers a rare vantage point where the emerald fairways meet the sapphire expanse of the Atlantic. Situated on a premier .74-acre homesite within the exclusive gates of Grande Mer, this estate is a masterclass in "elevated living." The residence utilizes an inverted floor plan to prioritize what matters most: The View. The primary bedroom and social spaces are situated on the second level (27’ high), capturing panoramic ocean vistas and constant salt-air breezes. From the grand circular wood staircase and the glow of an 8’ antique chandelier to the polished marble and Brazilian walnut wood flooring, plus world-class lighting by Fine Art Handcrafted and Myran Allan (2025 upgrades), every inch of the 10,019 total square feet exudes refined artistry. Overlooking the Atlantic is the epicurean heart of the home boasting custom crafted Busby Cabinets. The chef’s command center features professional Wolf gas cooktop, Sub-Zero refrigerator, KitchenAid built-in ovens, center island with prep sink, microwave and icemaker plus a large walk-in pantry and a dedicated refrigerated Wine Cellar. Whether hosting in the formal dining room under a shimmering silver-leaf ceiling or retreating to the "Primary Sanctuary"—complete with its own bathroom fireplace—the home offers a seamless blend of grand-scale entertaining and intimate comfort. Outside, the transition to "resort life" is effortless featuring an expansive loggia boasting pecky cypress ceilings with creeping fig on the walls, retractable storm shutters plus an inviting outdoor fireplace. The open-air saltwater heated pool and spa are framed by a travertine deck while a summer kitchen and fire pit provide the ultimate backdrop for starlit coastal evenings. Built to the highest standards of concrete block construction with full impact protection, X flood zone and professional lightning protection plus and a 4-car garage designed for the collector, this is more than a home; it is a fortress of luxury. Call today to preview this amazing home! Purchase of the Hammock Dunes Club Membership is available but not required. Recognized as one of the world's top Private Clubs, Hammock Dunes is an award-winning Oceanfront Club with 2 Audubon Certified golf courses, oceanfront clubhouse, pool, 5,000sf fitness center, croquet, social activities and more! Wonderful dining options such as Elegant Oceanfront Dining, The Dunes Tavern, Alfresco Dining, Low Country Style Dining. Enjoy our small town with its quiet, pristine beaches while big city life in Jax or Orlando is just 1 hour away.

Facts & features

The home at a glance

5

Bedrooms

5.5

Bathrooms

6,524

Sqft

0.74 ac

Lot size

4

Garage

2008

Year built

Two

Levels

$720

Per sqft

Private poolFireplaceGolf Course & Water viewNegotiable

Inside

FlooringCeramic Tile · Engineered Hardwood · Marble · Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Ice Maker · Microwave · Refrigerator · Tankless Water Heater · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Central Vacuum · Crown Molding · Dry Bar · Eating Space In Kitchen · Elevator · High Ceilings · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Walk-In Closet(s) · Window Treatments
LaundryGas Dryer Hookup · Inside
CoolingCentral Air
HeatingCentral · Zoned
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewGolf Course · Water
FacesNorthwest
ParkingGarage Door Opener · Ground Level
ExteriorBalcony · Fire Pit · Garden · Hurricane Shutters · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Outdoor Shower · Private Entrance · Private Mailbox · Private Yard · Sliding Doors

Community & fees

HOA fee$120/mo
Taxes (2025)$12,943/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Propane · Public · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$28,482 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$25,361
PMI (est., until 20% equity)$1,763
Property tax — 2025 actual bill$1,079
HOA fee — from the listing$120
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $470,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $470,000
Interest rate6.00%
Loan term

Estimated payment

$28,482/mo

Principal & interest$25,361
PMI (est., until 20% equity)$1,763
Property taxes (actual bill)$1,079
HOA / condo fee$120
Est. insurance$160

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.

List $4.7M
$1.6MedgeAI estimate $1,846,854 · range $1.7M–$1.9M$4.9M

vs edgeAI estimate

+154.5%

$/sqft vs HAMMOCK DUNES

$720 vs $534

Days on market

11 vs 73 typical

Where $720/sqft sits among the 20 homes for sale in HAMMOCK DUNES

9
6
2 · this home
0
2
1
$242–446$446–651$651–856$856–1061$1061–1266$1266+

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

HighMatanzas High School★★★★★
MiddleIndian Trails Middle School★★★★★
ElementaryOld Kings Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketLeans seller — 4.7 months of inventoryBuyer’s 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 1138% above the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

Sep 29, 2026Listed at $4,700,000 · 11 days on market since
2008Built · HAMMOCK DUNES

Reality check

What actually sold near 20 RUE GRANDE MER

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

12 VIA SALERNOSold · May ’26

$1,350,000

12 VIA SALERNO · same community

4 bd · 5 ba · 5,932 sqft · $228/sqft · 342 DOM

28 PORTO MAR UNIT 104Sold · Sep ’26

$3,100,000

28 PORTO MAR UNIT 104 · same community

4 bd · 4.5 ba · 4,935 sqft · $628/sqft · 0 DOM

13 ANASTASIA COURTSold · Sep ’26

$2,075,000

13 ANASTASIA COURT · same community

4 bd · 4.5 ba · 4,652 sqft · $446/sqft · 0 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.

Anthony Richardson

Your agent

Anthony Richardson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 20 RUE GRANDE MER — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 20 RUE GRANDE MER — 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

20 RUE GRANDE MER FAQs

What would the monthly payment be for 20 RUE GRANDE MER?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $28,482/mo — principal and interest, the actual property-tax bill, the $120/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 20 RUE GRANDE MER?+

The association fee works out to $120 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 20 RUE GRANDE MER?+

The most recent tax bill on record (2025) was $12,943. 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 20 RUE GRANDE MER?+

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 $4,700,000, this home is listed about 1105% 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 20 RUE GRANDE MER?+

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

$4,700,000 runs 1138% above the PALM COAST 32137 median — but at 6,524 sqft it's also nearly 3 times the size of the typical Palm Coast listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

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.

Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Lisa Gardner. MLS #FC321789.

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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