40 CASA BELLA CIRCLE UNIT 1101, PALM COAST, FL, 32137
Active110 days on marketListed Apr 14, 2026MLS #FC317704
About this home
40 CASA BELLA CIRCLE UNIT 1101
Situated on a quiet cul-de-sac on Casa Bella Circle in Hammock Dunes, this 3-bedroom, 2.5-bath residence offers 2,014 square feet of well-balanced living in one of Palm Coast’s most desirable gated communities. Designed as a true carriage-style home, the entire floor is your own—no neighbors on either side—allowing for windows all the way around and an abundance of natural light throughout. Ocean breezes greet you at the front door, while a screened-in porch overlooks a peaceful pond—giving you both openness and privacy. Inside, the layout just works. Tile flooring runs throughout the main areas, with carpet in the bedrooms. The living space is open and comfortable, finished with plantation shutters. The kitchen is designed for real use, featuring a center island, granite countertops, stainless steel appliances, and ample cabinet space, with the 2-car garage located just off the kitchen—making everyday living on the first floor especially convenient. The primary suite is spacious and functional, with a large walk-in closet and a bathroom that includes dual vanities, a soaking tub, and a tiled walk-in shower. Two additional bedrooms offer flexibility for guests, an office, or both. The garage itself stands out with an epoxy flake floor and additional storage space. Community amenities include a pool, hot tub, fitness center, and grilling area, while optional membership to the Hammock Dunes Club further expands the lifestyle with oceanfront dining, two championship golf courses, additional fitness, pools, and racquet sports. Well-positioned and easy to live in, this property offers the right balance of space, function, privacy, and access to top-tier amenities.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,014
Sqft
0.21 ac
Lot size
2
Garage
2005
Year built
One
Levels
$248
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.
$4,299 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$4,299/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.
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
−19.5%
$/sqft vs Palm Coast actives
$248 vs $218
Days on market
110 vs 47 typical
Where $248/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 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)
166 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 31% 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 40 CASA BELLA CIRCLE UNIT 1101
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$525,000
35 CASA BELLA CIRCLE UNIT 1201 · same community
3 bd · 2.5 ba · 2,014 sqft · $261/sqft · 19 DOM
Sold · Oct ’25$695,000
10 MADEIRA COURT
2 bd · 2 ba · 2,020 sqft · $344/sqft · 1 DOM
Sold · Apr ’26$539,000
8 MONTERREY DRIVE
2 bd · 2 ba · 2,004 sqft · $269/sqft · 73 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 40 CASA BELLA CIRCLE UNIT 1101 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40 CASA BELLA CIRCLE UNIT 1101 — 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
40 CASA BELLA CIRCLE UNIT 1101 FAQs
What would the monthly payment be for 40 CASA BELLA CIRCLE UNIT 1101?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,299/mo — principal and interest, the actual property-tax bill, the $410/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 40 CASA BELLA CIRCLE UNIT 1101?+
The association fee works out to $410 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 40 CASA BELLA CIRCLE UNIT 1101?+
The most recent tax bill on record (2025) was $6,805. 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 40 CASA BELLA CIRCLE UNIT 1101?+
The listing reports pets: 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 $499,500, this home is listed about 26% 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 40 CASA BELLA CIRCLE UNIT 1101?+
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
$499,500 runs 31% above the PALM COAST 32137 median.
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
110 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.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Carlene Reardon. MLS #FC317704.
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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