16 MONTILLA PLACE, PALM COAST, FL, 32137
Active25 days on marketListed Jun 29, 2026MLS #FC319237
About this home
16 MONTILLA PLACE
This 4 bedroom, 3.5 bath villa home is located within the exclusive oceanfront community of Hammock Dunes. Offering 2,523 square feet of thoughtfully designed living space blending timeless elegance with effortless coastal living. A private paver courtyard entry welcomes you into an open floor plan featuring soaring tray ceilings, extensive crown molding, plantation shutters, abundant natural light, and rich wood look tile flooring throughout. The recently renovated kitchen serves as the centerpiece of the home, showcasing marble countertops, custom cabinetry, a new prep station sink, wine refrigerator, and upgraded finishes designed for both everyday living and entertaining. The spacious great room is anchored by a fireplace and flows seamlessly to the dining area and expansive outdoor living spaces. The primary suite offers a relaxing retreat with dual vanities, a soaking tub, walk in shower, and generous closet space, while two additional guest bedrooms provide comfort and privacy for family and visitors. An upstairs guest suite opens to a private balcony capturing refreshing ocean breezes and partial ocean views. Outdoor living is equally impressive with a screened lanai and covered courtyard patio, perfect for entertaining or quiet relaxation. Additional highlights include a paver driveway, two car garage, abundant storage, and a prime location just moments from the beach. Enjoy the privacy, security, and prestigious lifestyle that make Hammock Dunes one of Florida's most sought-after oceanfront communities. Optional Hammock Dunes Club membership is available for purchase, offering access to world class amenities including oceanfront dining, championship golf, tennis, pickleball, fitness facilities, and private beach access.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,523
Sqft
0.25 ac
Lot size
2
Garage
2015
Year built
Two
Levels
$376
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.
$6,855 /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
$6,855/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.
$/sqft vs Palm Coast actives
$376 vs $223
Days on market
25 vs 47 typical
Where $376/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)
173 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 150% 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 16 MONTILLA PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$1,150,000
44 N WATERVIEW DRIVE
3 bd · 3 ba · 2,558 sqft · $450/sqft · 3 DOM
Sold · Sep ’25$605,000
20 N PARK CIRCLE
4 bd · 2 ba · 2,447 sqft · $247/sqft · 12 DOM
Sold · Apr ’26$705,000
19 N PARK CIRCLE
4 bd · 3.5 ba · 2,671 sqft · $264/sqft · 19 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 16 MONTILLA PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16 MONTILLA PLACE — 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
16 MONTILLA PLACE FAQs
What would the monthly payment be for 16 MONTILLA PLACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,855/mo — principal and interest, the actual property-tax bill, the $400/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 16 MONTILLA PLACE?+
The association fee works out to $400 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 16 MONTILLA PLACE?+
The most recent tax bill on record (2025) was $9,823. 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 16 MONTILLA PLACE?+
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 $949,000, this home is listed about 140% 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 16 MONTILLA PLACE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Krista Libby. MLS #FC319237.
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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