
32 NORTHSHORE AVENUE, PALM COAST, FL, 32137
Active45 days on marketListed Jun 19, 2026MLS #FC319156
About this home
32 NORTHSHORE AVENUE
Welcome to 32 Northshore Avenue. Nestled in the gated enclave of Northshore Estates, this completely renovated, professionally decorated masterpiece offers the rare combination of refined coastal living, sweeping golf course-to-ocean views, and an unmatched beach lifestyle. Sold completely turn-key — fully furnished, professionally decorated, including an electric four-seat golf cart — this is the one you simply unpack your bags and move right into. Step through your private courtyard entry into a home where every detail has been elevated — wide-plank floors, crystal-and-brass stair rail, designer lighting, and curated coastal décor throughout. The brilliant split floor plan offers complete guest independence downstairs, with a spacious living area, full wet bar with retro Big Chill refrigerator, and private patio overlooking the golf course and pond. Two guest bedrooms share a beautifully appointed bath, while a third bedroom tucked privately off the courtyard offers its own en suite — a true retreat within a retreat. Upstairs, sweeping golf course-to-ocean views steal the show across a wide-open great room where the living area, dining room, and showpiece custom kitchen flow seamlessly together — a stunning space made for gathering and entertaining. The kitchen features white shaker cabinetry, bold brass Big Chill appliances, quartz island, pot filler, and a stunning butler's pantry with wine refrigerator and nautical toile wallpaper. The dining room overlooks the fairway beneath dramatic brass globe pendants, and the covered balcony is pure coastal bliss. A conveniently located upstairs laundry room keeps everything effortlessly organized. The expansive primary suite offers a sitting area and a completely renovated spa bathroom with freestanding soaking tub, oversized walk-in shower with dual rain heads, dual vanities, and two walk-in closets. A private office adjacent to the suite is ideal for those working remotely — quiet, well-lit, and just steps from the bedroom. Every bathroom is a design moment. Every room tells a story. Every detail has been considered. This is coastal living at its finest. Ocean breezes. Gorgeous views. Come unpack your bags. Walkable to the beach and to Hammock Beach Club, residents enjoy optional access to a world-class array of amenities including a fantasy pool complex, championship golf courses, tennis, a full-service spa, fitness center with classes, and a collection of restaurants and bars. Everything you need is within reach — from your morning coffee spot and bakery, to lunch on the water and dinner in the trees, with a grocery store and hardware store just down the street. Hammock Beach Club membership available separately.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,302
Sqft
0.15 ac
Lot size
2
Garage
2004
Year built
Two
Levels
$439
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.
$10,152 /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
$10,152/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
+109.7%
$/sqft vs OCEAN HAMMOCK
$439 vs $446
Days on market
45 vs 47 typical
Where $439/sqft sits among the 27 homes for sale in OCEAN HAMMOCK
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)
13 of 27
OCEAN HAMMOCK have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 280% 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 32 NORTHSHORE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,399,900
505 CINNAMON BEACH LANE · same community
4 bd · 4 ba · 3,231 sqft · $433/sqft · 214 DOM
Sold · Feb ’26$1,300,000
2 DRIFTWOOD LANE · same community
3 bd · 4 ba · 3,164 sqft · $411/sqft · 44 DOM
Sold · Sep ’25$1,132,000
7 SPANISH MOSS COURT · same community
3 bd · 3 ba · 3,066 sqft · $369/sqft · 54 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 32 NORTHSHORE AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 32 NORTHSHORE AVENUE — 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
32 NORTHSHORE AVENUE FAQs
What would the monthly payment be for 32 NORTHSHORE AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,152/mo — principal and interest, the actual property-tax bill, the $217/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 32 NORTHSHORE AVENUE?+
The association fee works out to $217 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 32 NORTHSHORE AVENUE?+
The most recent tax bill on record (2025) was $16,889. 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 32 NORTHSHORE AVENUE?+
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 $1,450,000, this home is listed about 267% 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 32 NORTHSHORE AVENUE?+
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
$1,450,000 runs 280% above the PALM COAST 32137 median — but at 3,302 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 · Victoria Ferguson. MLS #FC319156.
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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