28 PORTO MAR UNIT 101, PALM COAST, FL, 32137
Active741 days on marketListed Jul 18, 2024MLS #FC302312
About this home
28 PORTO MAR UNIT 101
Recent Price Improvement! Experience the best of oceanfront living at 28 Porto Mar, Unit 101 in Palm Coast’s sought-after Hammock Dunes community. Located in the exclusive Le Jardin condominium—home to only 26 private residences—this stunning first-floor unit offers 4,287 square feet of living space. The open floor plan seamlessly connects expansive living and dining areas, creating the perfect setting for both intimate gatherings and grand entertaining. High ceilings and east-facing windows flood the home with natural light and showcase beautiful ocean views. Rich custom hardwood floors anchor the space, while a gas fireplace creates an inviting focal point. The gourmet kitchen delights culinary enthusiasts with a gas cooktop, stainless steel appliances, custom cabinetry, and elegant stone counters. Step outside and enjoy a short stroll to the beach, the Hammock Dunes Club, pool, and croquet courts. Residents of Le Jardin also enjoy premium amenities including a theatre room, fitness center, resistance pool, wine cellar, and a secure, climate-controlled two-car garage—all within a gated and guarded setting designed for peace of mind. With nearby shopping, restaurants, medical facilities, and easy access to St. Augustine, Daytona Beach, and Jacksonville, this residence offers both luxury and convenience. Elevate your everyday living in a home that delivers privacy, prestige, and panoramic beauty.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
4,287
Sqft
0.53 ac
Lot size
2
Garage
2007
Year built
One
Levels
$438
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.
$12,206 /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
$12,206/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.
$/sqft vs HAMMOCK DUNES
$438 vs $449
Days on market
741 vs 47 typical
Where $438/sqft sits among the 13 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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
6 of 13
HAMMOCK DUNES have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 391% 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 28 PORTO MAR UNIT 101
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$1,400,000
15 SAN GABRIEL LANE · same community
4 bd · 4.5 ba · 4,271 sqft · $328/sqft · 38 DOM
Sold · Dec ’25$1,700,000
117 ISLAND ESTATES PARKWAY · same community
3 bd · 4 ba · 4,157 sqft · $409/sqft · 123 DOM
Sold · Nov ’25$1,600,000
77 ISLAND ESTATES PARKWAY · same community
4 bd · 4.5 ba · 4,149 sqft · $386/sqft · 145 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 28 PORTO MAR UNIT 101 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28 PORTO MAR UNIT 101 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
28 PORTO MAR UNIT 101 FAQs
What would the monthly payment be for 28 PORTO MAR UNIT 101?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,206/mo — principal and interest, the actual property-tax bill, the $82/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 28 PORTO MAR UNIT 101?+
The association fee works out to $82 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 28 PORTO MAR UNIT 101?+
The most recent tax bill on record (2024) was $13,441. 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 28 PORTO MAR UNIT 101?+
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 $1,879,000, this home is listed about 376% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 28 PORTO MAR UNIT 101?+
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
Five things that matter here
01Positioned at the premium end
$1,879,000 runs 391% above the PALM COAST 32137 median — but at 4,287 sqft it's also nearly twice the size of 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.
03Time on market is leverage
741 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
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.
05The price has already moved
Listed at $2,299,000, now $1,879,000 — a $420K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ENGEL VOLKERS PALM COAST · Bob Bagdon. MLS #FC302312.
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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