
34 KINGFISHER LANE, PALM COAST, FL, 32137
Active79 days on marketListed May 15, 2026MLS #FC317924
About this home
34 KINGFISHER LANE
Welcome to an extraordinary Arthur Rutenberg luxury residence on coveted Kingfisher Lane within the exclusive gated community of Ocean Hammock — a vibrant and welcoming street known for its friendly neighbors, festive block parties, and strong sense of community. Perfectly positioned on a serene lakefront homesite overlooking the golf course and just moments from the Atlantic Ocean, this impeccably designed home offers a rare blend of elegance, comfort, practicality, and coastal sophistication. From the moment you arrive, the striking Mediterranean-inspired architecture, paver driveway, and stunning custom cast-iron double entry doors create a breathtaking first impression. The entire exterior of the home was just freshly repainted, giving the property a crisp, refreshed curb appeal and a move-in-ready feel from the moment you arrive. Inside, soaring ceilings, rich wood flooring, dramatic cast-iron staircase detailing, coffered ceilings, and abundant natural light elevate every space with timeless luxury and architectural character. Thoughtfully designed for both everyday living and effortless entertaining, the expansive floor plan offers exceptional functionality alongside refined aesthetics. The first-floor primary suite provides a peaceful private retreat, while the conveniently located first-floor study with double doors creates the perfect home office, library, or flex space just off the main living area. The grand great room flows seamlessly into the gourmet kitchen, beautifully appointed with custom cabinetry, granite countertops, premium stainless-steel appliances, an oversized breakfast bar, and center island designed for gathering with family and guests. Extensive storage throughout the home — including large storage closets and cleverly utilized attic space within the roof trellis design — reflects the careful attention given not only to beauty, but to livability and practicality. Upstairs, the home is perfectly designed for hosting family and guests with spacious guest suites featuring ensuite bathrooms, a versatile loft living area, and a private screened balcony capturing gorgeous lake and golf course views along with refreshing ocean breezes drifting in from the nearby Atlantic. The primary suite is a luxurious sanctuary of its own, featuring warm wood flooring, elegant tray ceilings with natural textures, abundant natural light, and a serene sitting area perfect for morning coffee or quiet evenings. The spa-inspired primary bath offers dual vanities, granite countertops, a soaking tub, walk-in shower, and an atmosphere designed for relaxation and retreat. Step outside to the spectacular screened lanai where the true magic of coastal living unfolds. Enjoy peaceful evenings soaking in the spa while listening to the distant sound of the Atlantic Ocean, feeling cool ocean breezes, and watching the sky transform with breathtaking sunset colors before the moon rises over the lake. The tranquil golf and lagoon setting attracts an abundance of natural wildlife, creating a constantly changing backdrop of tropical birds, turtles, and even playful otters gliding through the water. This exceptional Kingfisher Lane residence offers the ultimate combination of luxury, warmth, functionality, and lifestyle within one of Palm Coast’s most sought-after coastal communities.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,442
Sqft
0.22 ac
Lot size
2
Garage
2012
Year built
Two
Levels
$363
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.
$8,308 /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
$8,308/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
+34.3%
$/sqft vs Palm Coast actives
$363 vs $218
Days on market
79 vs 47 typical
Where $363/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)
168 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 229% 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 KINGFISHER LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$2,512,500
28 PORTO MAR UNIT 502
4 bd · 4.5 ba · 3,697 sqft · $680/sqft · 196 DOM
Sold · Oct ’25$2,100,000
28 PORTO MAR UNIT 403
4 bd · 4.5 ba · 3,847 sqft · $546/sqft · 24 DOM
Sold · Dec ’25$1,550,000
20 PORTO MAR UNIT 601
4 bd · 3.5 ba · 2,950 sqft · $525/sqft · 20 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 KINGFISHER LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 34 KINGFISHER 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 KINGFISHER LANE FAQs
What would the monthly payment be for 34 KINGFISHER LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,308/mo — principal and interest, the actual property-tax bill, the $198/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 KINGFISHER LANE?+
The association fee works out to $198 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 34 KINGFISHER LANE?+
The most recent tax bill on record (2025) was $8,834. 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 KINGFISHER LANE?+
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 $1,250,000, this home is listed about 216% 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 KINGFISHER 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
Three things that matter here
01Positioned at the premium end
$1,250,000 runs 229% above the PALM COAST 32137 median — but at 3,442 sqft it's also nearly twice the size of the typical Palm Coast listing.
02Golf Course & Water views
The golf course and water view is part of what you're buying — views hold value independently of the structure.
03Strong 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 HAMMOCK REAL ESTATE GROUP · Luke O'Reilly. MLS #FC317924.
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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