40 CASA BELLA CIRCLE UNIT 1102, PALM COAST, FL, 32137
Active101 days on marketListed Apr 14, 2026MLS #FC317705
About this home
40 CASA BELLA CIRCLE UNIT 1102
Located on a quiet cul-de-sac on Casa Bella Circle in Hammock Dunes, this 3-bedroom, 2.5-bath residence offers 2,463 square feet of expanded living space and a layout that stands apart. Designed as a true carriage-style home when originally built, 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. Direct elevator access opens straight into the unit, adding both convenience and privacy. Inside, the scale is immediately noticeable. Multiple living and dining areas provide flexibility for everyday living or hosting, without feeling crowded. Flooring is consistent throughout—tile in the main areas and luxury vinyl plank in the bedrooms—offering a clean, low-maintenance finish with no carpet anywhere. The kitchen is built for function, with a center island, granite countertops, stainless steel appliances, and generous cabinet space. It connects naturally to the main living areas, making it practical for both daily use and entertaining. One of the strongest features of this unit is the outdoor space. Multiple porches and patios—screened and open, covered and uncovered—give you options throughout the day, whether you’re looking for shade, sun, or a breeze. It’s a noticeable upgrade in usable square footage beyond the interior. The primary suite is well-sized, with a walk-in closet and a bathroom that includes dual vanities, a soaking tub, and a walk-in shower. Two additional bedrooms offer flexibility for guests or workspace. A 2-car garage at ground level and added storage round out the practical side of the home. Community amenities include a pool, hot tub, fitness center, and grilling area, while optional membership to the Hammock Dunes Club expands the lifestyle further 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. More space, better outdoor living, and direct access—this unit delivers a step up in both layout and usability within the same community.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,463
Sqft
0.21 ac
Lot size
2
Garage
2005
Year built
One
Levels
$243
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.
$4,751 /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
$4,751/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
−15.3%
$/sqft vs Palm Coast actives
$243 vs $221
Days on market
101 vs 47 typical
Where $243/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)
177 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 58% 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 1102
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 · Sep ’25$605,000
20 N PARK CIRCLE
4 bd · 2 ba · 2,447 sqft · $247/sqft · 12 DOM
Sold · Aug ’25$1,150,000
44 N WATERVIEW DRIVE
3 bd · 3 ba · 2,558 sqft · $450/sqft · 3 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 1102 — 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 1102 — 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 1102 FAQs
What would the monthly payment be for 40 CASA BELLA CIRCLE UNIT 1102?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,751/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 1102?+
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 1102?+
The most recent tax bill on record (2025) was $8,661. 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 1102?+
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 $599,500, this home is listed about 52% 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 1102?+
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
$599,500 runs 58% above the PALM COAST 32137 median — but at 2,463 sqft it's also 31% larger than 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
101 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 #FC317705.
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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