13 VISCAYA LANE UNIT 2106, PALM COAST, FL, 32137
Active8 days on marketListed Oct 17, 2026MLS #FC322130
About this home
13 VISCAYA LANE UNIT 2106
Discover coastal luxury living at 13 Viscaya Lane, nestled within the prestigious private oceanfront community of Hammock Dunes. This beautifully maintained residence offers 2 bedrooms, 2.5 bathrooms, a den (potential 3rd BR) and 2,186 square feet of thoughtfully designed living space, combining the comfort of a single-family home with the convenience of condominium living. The inviting interior features spacious living areas, vaulted ceilings, a fireplace with custom built-ins, and an updated kitchen with stainless steel appliances. Three sets of French doors open to an expansive screened balcony overlooking tranquil water views, creating the perfect setting for relaxing or entertaining. The spacious primary suite features a beautifully updated bathroom with heated tile floors, a soaking tub, walk-in shower, dual vanities, and custom-designed walk-in closets. An additional bedroom offers an en-suite bathroom. The property has an attached garage with 2 storage closets and is surrounded by lush tropical landscaping. New roof, gutters and exterior paint were completed in August 2026. This residence offers an exceptional opportunity to enjoy the relaxed elegance of coastal living just moments from the Atlantic Ocean. To further elevate the Hammock Dunes Private Oceanfront Community lifestyle, a coveted Hammock Dunes Club Membership is available for purchase but is not a requirement. Hammock Dunes and Hammock Dunes Club are ideal for either year-round living or a second home. The Club is honored to have been selected as a “Distinguished Emerald Club of the World” and locally recognized by Orlando Style Magazine with the #1 Readers’ Choice Award for Best Exclusive Club in the Southeast. The Club offers members, their families, and guests a superior experience featuring an oceanfront clubhouse, fabulous formal and casual dining, two magnificent Audubon-certified golf courses designed by legendary architects Tom Fazio and Rees Jones, a 5,000-square-foot fitness center with ocean views, an oceanfront swimming complex, tennis center, croquet, and more.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,186
Sqft
0.24 ac
Lot size
2
Garage
2001
Year built
Two
Levels
$256
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.
$5,794 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$5,794/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−3.5%
$/sqft vs HAMMOCK DUNES
$256 vs $547
Days on market
8 vs 65 typical
Where $256/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)
6 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 47% 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 13 VISCAYA LANE UNIT 2106
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$864,900
11 AVENUE DE LA MER UNIT 1207 · same community
3 bd · 3 ba · 2,161 sqft · $400/sqft · 14 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
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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 13 VISCAYA LANE UNIT 2106 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13 VISCAYA LANE UNIT 2106 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13 VISCAYA LANE UNIT 2106 FAQs
What would the monthly payment be for 13 VISCAYA LANE UNIT 2106?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $5,794/mo — principal and interest, the actual property-tax bill, the $1,228/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 13 VISCAYA LANE UNIT 2106?+
The association fee works out to $1,228 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13 VISCAYA LANE UNIT 2106?+
The most recent tax bill on record (2025) was $3,855. 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 13 VISCAYA LANE UNIT 2106?+
The listing reports pets: Cats OK, Dogs OK, 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 $559,000, this home is listed about 43% above the Palm Coast median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13 VISCAYA LANE UNIT 2106?+
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
$559,000 runs 47% above the PALM COAST 32137 median — but at 2,186 sqft it's also 16% larger than the typical Palm Coast listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $1,228/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 COASTAL GATEWAY REAL ESTATE GR · Krista Libby. MLS #FC322130.
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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