3 FLAGSHIP COURT, PALM COAST, FL, 32137
Active39 days on marketListed Jun 15, 2026MLS #FC318933
About this home
3 FLAGSHIP COURT
This beautiful pool home in the coveted gated oceanfront golf community of Ocean Hammock, a barrier island nestled between the Atlantic Ocean and the Intracoastal waterway. Positioned among lakes, fairways, and coastal landscaping, this is your chance to own a piece of Old Florida paradise. Freshly painted exterior, refreshed landscaping, and a brand-new 2026 first floor HVAC for even more peace of mind. This spacious 4-bedroom, 3.5-bath home offers over 4,200 square feet, providing plenty of room for family living and entertaining. The gourmet eat-in kitchen features a large quartz island, high-end appliances, and a built-in bar area with granite countertops, all opening seamlessly to the family room with a cozy fireplace. Enjoy peaceful views from the balcony overlooking the pool, lake, and natural surroundings. The backyard lanai is designed for entertaining, complete with a pool, spa, summer kitchen hookups along with a pool bathroom. Upstairs, you’ll find a large bedroom, loft area, full bath, and a bar/billiard/lounge space that creates the perfect retreat for guests or recreation. The oversized 3+ car garage offers abundant space for vehicles, a golf cart, and storage. Just a short walk to Ocean Hammock’s private beach access. Social & Golf Memberships to the Club at Hammock Beach are available to purchase but not required. Where to Retire magazine has named Flagler County as a top retirement destination. The Hammock is centrally located 1 1/2 hours away from the Orlando airport and Disney theme parks, one hour away from Jacksonville, 1/2 hour to the Nation's oldest City, St. Augustine and 1/2 hour from Daytona Beach, home of Daytona International Speedway and Bike Week. Contact today for private showing.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
4,220
Sqft
0.41 ac
Lot size
3
Garage
2006
Year built
Two
Levels
$326
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.
$9,634 /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
$9,634/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
−21.1%
Days on market
39 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 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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 262% 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 3 FLAGSHIP COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3 FLAGSHIP COURT — 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
3 FLAGSHIP COURT FAQs
What would the monthly payment be for 3 FLAGSHIP COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,634/mo — principal and interest, the actual property-tax bill, the $177/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 3 FLAGSHIP COURT?+
The association fee works out to $177 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3 FLAGSHIP COURT?+
The most recent tax bill on record (2025) was $16,338. 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 3 FLAGSHIP COURT?+
The listing reports pets: Dogs OK, 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 $1,375,000, this home is listed about 248% 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 3 FLAGSHIP COURT?+
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
$1,375,000 runs 262% above the PALM COAST 32137 median — but at 4,220 sqft it's also nearly twice the size of 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.
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.
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Landon McLeod. MLS #FC318933.
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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