10 MONTERREY DRIVE, PALM COAST, FL, 32137
Active67 days on marketListed May 18, 2026MLS #FC318619
About this home
10 MONTERREY DRIVE
Located within the exclusive gated community of Hammock Dunes, this Spanish Mediterranean-style 3-bedroom, 2.5-bath residence offers timeless architectural character, golf course views, and an exceptional opportunity to personalize within one of Palm Coast’s most sought-after private communities. Surrounded by mature landscaping, the home features a tile roof, paver driveway and walkway, and a welcoming French door entry. Inside, the functional floor plan offers a blend of formal and casual living spaces. A formal dining room is positioned just off the entry, while a separate family room with a half bath and corridor laundry room provides additional flexibility and direct access to the garage. Upstairs, two guest bedrooms share a full bathroom, creating comfortable accommodations for family and guests. The main living area and spacious kitchen overlook the rear patio and golf course beyond. The kitchen features abundant cabinetry, tile countertops, a built-in desk area, and ample prep and storage space. Wood-look flooring extends throughout the main living space and continues into the first-floor primary suite, which includes a walk-in closet, dual vanities, a jetted soaking tub, and a walk-in tiled shower. French doors lead to a covered and screened tile patio overlooking the Hammock Dunes Links Course, offering a peaceful outdoor setting framed by lush landscaping and mature trees. With solid bones, a desirable layout, and an outstanding location within Hammock Dunes, this home presents an excellent opportunity for a buyer to update and create their own private coastal retreat.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,408
Sqft
0.31 ac
Lot size
2
Garage
1993
Year built
Two
Levels
$286
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.
$4,867 /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
$4,867/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
+1.2%
Days on market
67 vs 47 typical
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 81% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
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 10 MONTERREY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10 MONTERREY DRIVE — 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
10 MONTERREY DRIVE FAQs
What would the monthly payment be for 10 MONTERREY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,867/mo — principal and interest, the actual property-tax bill, the $394/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 10 MONTERREY DRIVE?+
The association fee works out to $394 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10 MONTERREY DRIVE?+
The most recent tax bill on record (2025) was $4,045. 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 10 MONTERREY DRIVE?+
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 $689,000, this home is listed about 74% 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 10 MONTERREY DRIVE?+
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
$689,000 runs 81% above the PALM COAST 32137 median — but at 2,408 sqft it's also 28% larger than the typical Palm Coast listing.
02Golf Course & Trees/Woods views
The golf course and trees/woods 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.
04The price has already moved
Listed at $715,000, now $689,000 — a $26K cut. The full history is in the market section below.
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Carlene Reardon. MLS #FC318619.
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.
Never miss a listing
New Palm Coast homes, in your inbox
Like 10 MONTERREY DRIVE but not quite? A daily digest of every new listing in Palm Coast — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →