
11 OCEAN OAKS LANE, PALM COAST, FL, 32137
Active147 days on marketListed Mar 8, 2026MLS #FC316745
Come see it
Upcoming open house
Sun, Aug 2
1:00 PM – 4:00 PM
About this home
11 OCEAN OAKS LANE
Located in the exclusive Northshore Estates of Ocean Hammock, this extensively renovated 6-bedroom, 6-bath coastal estate offers nearly 5,800 square feet of thoughtfully designed living space on a private .44-acre homesite backing to the MalaCompra trail system. The home has been comprehensively upgraded with new flooring, lighting, smart switches, outlets, HVAC systems, tankless water heaters, and a whole-house generator. Impact-rated windows and sliders, insulated garage doors, fresh exterior paint, and extensive smart-home integration add efficiency, security, and modern convenience throughout. The layout is designed for both everyday living and large-scale entertaining. The chef’s kitchen features custom cabinetry, new countertops, a 48-inch gas range with double ovens and pot filler, oversized refrigerator, large island, bar-height seating, and an additional dining area beneath a statement chandelier. A butler’s pantry, temperature-controlled wine closet, spacious laundry room with walk-in pantry, and formal dining room with tray-lit ceiling complete the main entertaining spaces. The home offers exceptional flexibility with a private office, fitness room, elevator access between floors, and space that can function as a seventh bedroom if desired. Custom closet systems are installed throughout. Entertainment spaces are a defining feature of the property. The family room centers around a dramatic media wall with a captivating fireplace. A dedicated theater room with blackout drapes and surround sound provides a true cinematic experience. Upstairs, a large recreation lounge includes an 8–10 seat bar with refrigerator, wine fridge, dishwasher, and space for billiards, poker, foosball, or air hockey. A screened balcony with travertine flooring and additional flex space expands the entertainment areas even further. Outdoor living is equally impressive. The completely redesigned pool and spa feature an elevated hot tub, spillway, waterfalls, bubbler sun shelf, blower jets, and both electric and propane heating, all WiFi-controlled through Pentair automation. The expansive travertine pool deck includes a propane fireplace and a fully equipped summer kitchen with grill, side burner, hood, refrigerator, storage, and bar seating. Additional features include a climate-controlled three-car garage with epoxy flooring, driveway parking for multiple vehicles, central vacuum system, Sonos whole-home audio, hardwired ethernet and coax throughout, smart shades, integrated Ring security with perimeter cameras, color-changing landscape lighting, permanent soffit lighting, custom aluminum entry gate, illuminated walkway, and an invisible pet containment system. Optional Hammock Beach Resort membership provides access to two championship golf courses, an oceanfront beach club, resort pools, lazy river, spa, fitness center, tennis, pickleball, dining, and social events. With its extensive upgrades, rare scale, and long list of features, this property stands apart even among the Hammock’s most notable homes. The level of detail and functionality throughout is difficult to fully capture—this is a home that must be experienced in person to truly appreciate everything it offers.
Facts & features
The home at a glance
6
Bedrooms
6
Bathrooms
5,798
Sqft
0.44 ac
Lot size
3
Garage
2008
Year built
Two
Levels
$362
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.
$13,766 /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
$13,766/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 Palm Coast actives
$362 vs $220
Days on market
147 vs 47 typical
Where $362/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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
167 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 453% 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 11 OCEAN OAKS LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$2,500,000
333 OCEAN CREST DRIVE
6 bd · 8.5 ba · 5,902 sqft · $424/sqft · 162 DOM
Sold · Sep ’25$3,500,000
38 HAMMOCK BEACH CIRCLE S
6 bd · 5.5 ba · 6,017 sqft · $582/sqft · 98 DOM
Sold · Feb ’26$4,900,000
354 OCEAN CREST DRIVE
5 bd · 6 ba · 6,117 sqft · $801/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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 11 OCEAN OAKS LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11 OCEAN OAKS LANE — 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
11 OCEAN OAKS LANE FAQs
What would the monthly payment be for 11 OCEAN OAKS LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,766/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 11 OCEAN OAKS LANE?+
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 11 OCEAN OAKS LANE?+
The most recent tax bill on record (2025) was $15,616. 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 11 OCEAN OAKS LANE?+
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 $2,100,000, this home is listed about 432% 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 11 OCEAN OAKS LANE?+
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
$2,100,000 runs 453% above the PALM COAST 32137 median — but at 5,798 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.
03Time on market is leverage
147 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 $2,398,000, now $2,100,000 — a $298K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Carlene Reardon. MLS #FC316745.
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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