David Ramirez
$1,429,0003 bd2.5 ba2,110 sqft$677 /sqft$9,718 /mo all-in ↓

85 AVENUE DE LA MER UNIT 502, PALM COAST, FL, 32137

Active29 days on marketListed Jul 8, 2026MLS #FC319573

Est. $51K/yr short-term rental revenueWaterfrontPrivate poolFully furnishedCondominiumHAMMOCK DUNES

About this home

85 AVENUE DE LA MER UNIT 502

Wake up each morning to breathtaking Atlantic sunrises and the soothing rhythm of the ocean from this exceptional direct oceanfront residence in the exclusive Tuscany Condominium at Hammock Dunes. Available for late September occupancy, this beautifully remodeled and thoughtfully upgraded luxurious fifth-floor home offers 2,110 square feet of elegant coastal living with panoramic ocean views that create an unforgettable backdrop from sunrise to sunset. Arrive in style via your private elevator, providing secure access directly into your private foyer. Inside, soaring 10-foot ceilings, expansive windows, and an open-concept design flood the home with natural light while perfectly framing the endless blue horizon. Sliding glass doors from both the living areas and the spacious primary suite invite you onto the expansive balcony, where sea breezes and spectacular views become part of your daily routine. Designed for both entertaining and everyday living, the gourmet kitchen showcases custom cabinetry, custom Granite Honed Absolute Ebony countertop, premium stainless steel appliances, a Sub-Zero refrigerator, farmhouse sink, and abundant workspace for preparing meals while remaining connected to family and guests. Every detail has been carefully selected to create an inviting atmosphere that blends timeless elegance with modern coastal style. The versatile floor plan includes three generous bedrooms plus an additional bonus room ideal as a fourth bedroom, executive office, den, or hobby space. Two-and-a-half beautifully finished bathrooms complement the home's design. Beautiful Santini Pompei Honed Quartz counters in the primary bathroom. Luxury vinyl plank flooring enhances the bedroom spaces, while valuable upgrades—including a Flo-Logic water protection system, pet wash station in the utility room, new water heater in 2025, updated HVAC system, and private storage area—add convenience and lasting value. Tuscany residents enjoy an exceptional collection of resort-inspired amenities designed to elevate everyday living. Relax beside the oceanfront pool and spa, gather with friends at the cabana and grilling area, stay active in the state-of-the-art fitness center, unwind in the sauna or steam room, or entertain in the beautifully appointed club room featuring a full kitchen, bar, and billiards area. An elegant lobby and guest suite provide a warm welcome for residents and visitors alike. Beyond the building, the area offers an unparalleled coastal lifestyle surrounded by scenic walking and biking trails, and miles of pristine beach. Fine dining, shopping, medical facilities, and daily conveniences are only minutes away, while the rich history of St. Augustine and the attractions of Daytona Beach and Jacksonville are easily accessible. This extraordinary residence offers far more than a home—it offers an elevated way of life where luxury, comfort, and spectacular oceanfront beauty come together every single day. Membership in the Platinum rated Hammock Dunes Oceanfront Golf Club is available but not included in this sale. Available for occupancy late September.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,110

Sqft

0.58 ac

Lot size

2

Garage

2006

Year built

One

Levels

$677

Per sqft

Private poolWaterfrontGolf Course & Water viewFurnished

Inside

FlooringLuxury Vinyl · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range Hood · Refrigerator · Washer
InteriorCeiling Fan(s) · Elevator · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Sauna · Solid Surface Counters · Split Bedroom · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofTile
ConstructionBlock · Concrete · Stucco
FoundationSlab · Stem Wall
ViewGolf Course · Water
FacesWest
ParkingAssigned · Garage Door Opener · Guest · Under Building
ExteriorIrrigation System · Lighting · Outdoor Kitchen · Private Mailbox · Sauna · Sidewalk · Sliding Doors · Storage

Community & fees

HOA fee$238/mo
Taxes (2025)$12,885/yr
PetsCats OK, Dogs OK
CommunityGulf/Ocean Front · Water Access · Buyer Approval Required · Community Mailbox · Deed Restrictions · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Irrigation-Reclaimed Water · Sidewalks · Wheelchair Access

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Available · Electricity Connected · Sewer Available · Sewer Connected · Sprinkler Meter · Street Lights · Underground Utilities · Water Available · Water Connected
WaterPublic

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.

$9,718 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,711
PMI (est., until 20% equity)$536
Property tax — 2025 actual bill$1,074
Condo fee — from the listing$238
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $142,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $142,900
Interest rate6.00%
Loan term

Estimated payment

$9,718/mo

Principal & interest$7,711
PMI (est., until 20% equity)$536
Property taxes (actual bill)$1,074
HOA / condo fee$238
Est. insurance$160

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.

List $1.4M
$671KedgeAI estimate $980,267 · range $699K$1.1M$1.5M

vs edgeAI estimate

+45.8%

$/sqft vs HAMMOCK DUNES

$677 vs $449

Days on market

29 vs 50 typical

Where $677/sqft sits among the 18 homes for sale in HAMMOCK DUNES

10
3
2 · this home
0
2
1
$256–458$458–661$661–863$863–1066$1066–1268$1268+

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

Map of 85 AVENUE DE LA MER UNIT 502 inside its neighborhood boundary

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

HighMatanzas High School★★★★
MiddleIndian Trails Middle School★★★★★
ElementaryOld Kings Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$355K$361K

Palm Coast median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

6 of 18

HAMMOCK DUNES have cut their price

Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 273% above the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

Jul 8, 2026Listed at $1,429,000 · 29 days on market since
2006Built · HAMMOCK DUNES

Reality check

What actually sold near 85 AVENUE DE LA MER UNIT 502

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

85 AVENUE DE LA MER UNIT 705Sold · May ’26

$1,300,000

85 AVENUE DE LA MER UNIT 705 · same community

3 bd · 2.5 ba · 2,110 sqft · $616/sqft · 57 DOM

11 AVENUE DE LA MER UNIT 1207Sold · Jul ’26

$864,900

11 AVENUE DE LA MER UNIT 1207 · same community

3 bd · 3 ba · 2,161 sqft · $400/sqft · 14 DOM

17 MARBELLA COURTSold · Jul ’26

$785,000

17 MARBELLA COURT · same community

3 bd · 2 ba · 2,058 sqft · $381/sqft · 128 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 85 AVENUE DE LA MER UNIT 502 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 85 AVENUE DE LA MER UNIT 502 — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

85 AVENUE DE LA MER UNIT 502 FAQs

What would the monthly payment be for 85 AVENUE DE LA MER UNIT 502?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,718/mo — principal and interest, the actual property-tax bill, the $238/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 85 AVENUE DE LA MER UNIT 502?+

The association fee works out to $238 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 85 AVENUE DE LA MER UNIT 502?+

The most recent tax bill on record (2025) was $12,885. 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 85 AVENUE DE LA MER UNIT 502?+

The listing reports pets: Cats OK, Dogs OK. 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 $1,429,000, this home is listed about 257% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.

Which schools are assigned to 85 AVENUE DE LA MER UNIT 502?+

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

$1,429,000 runs 273% above the PALM COAST 32137 median.

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 ENGEL VOLKERS PALM COAST · Bob Bagdon. MLS #FC319573.

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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