34 SANDPIPER LANE, PALM COAST, FL, 32137
Active24 days on marketListed Jul 6, 2026MLS #FC317255
About this home
34 SANDPIPER LANE
Experience coastal living at its finest in this beautifully updated home just steps from the ocean. Located in the coveted Ocean Hammock community, this spacious residence offers a bright, open layout designed for effortless indoor–outdoor living. Inside, the home features high ceilings, tray ceilings, abundant natural light, fresh interior & exterior paint, tile & wood floors, and elegant finishes throughout. The gourmet kitchen boasts modern high-end stainless steel appliances, wine cooler, ample cabinet space, and a large island ideal for gathering. The living areas flow seamlessly to the huge private screened lanai, creating a true Florida lifestyle experience. The primary suite offers a peaceful retreat with a spa-inspired soaking tub and walk-in shower. The additional guest rooms, 2 downstairs and 2 upstairs, provide comfort and privacy for family and visitors or versatile spaces ideal for an office, media room, or fitness area. BRAND NEW ROOF June 2026 (Not in Photos) Located within a gated, golf-cart-friendly community with easy access to the beach and world-class amenities, this home is ready for you to move in and find that coastal comfort - A Rare Opportunity at this Price!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,854
Sqft
0.16 ac
Lot size
2
Garage
2003
Year built
Two
Levels
$347
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.
$6,875 /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
$6,875/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.
vs edgeAI estimate
+11.7%
$/sqft vs OCEAN HAMMOCK
$347 vs $446
Days on market
24 vs 47 typical
Where $347/sqft sits among the 28 homes for sale in OCEAN HAMMOCK
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)
14 of 28
OCEAN HAMMOCK have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 158% 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 34 SANDPIPER LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$1,250,000
42 KINGFISHER LANE · same community
3 bd · 3.5 ba · 2,903 sqft · $431/sqft · 0 DOM
Sold · Sep ’25$1,132,000
7 SPANISH MOSS COURT · same community
3 bd · 3 ba · 3,066 sqft · $369/sqft · 54 DOM
Sold · Feb ’26$1,300,000
2 DRIFTWOOD LANE · same community
3 bd · 4 ba · 3,164 sqft · $411/sqft · 44 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 34 SANDPIPER LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 34 SANDPIPER 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
34 SANDPIPER LANE FAQs
What would the monthly payment be for 34 SANDPIPER LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,875/mo — principal and interest, the actual property-tax bill, the $189/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 34 SANDPIPER LANE?+
The association fee works out to $189 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 34 SANDPIPER LANE?+
The most recent tax bill on record (2025) was $9,761. 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 34 SANDPIPER LANE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $989,900, this home is listed about 151% 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 34 SANDPIPER 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.
Keep looking
Similar homes nearby
Listing courtesy of HAMMOCK REAL ESTATE GROUP · Russell Novak. MLS #FC317255.
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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