29 NORTHSHORE AVENUE, PALM COAST, FL, 32137
Active33 days on marketListed Jun 30, 2026MLS #FC319604
About this home
29 NORTHSHORE AVENUE
Relaxed coastal living meets everyday comfort in this spacious beachside home tucked away within the Northshore Estates area of the exclusive Hammock Beach community. Just steps away from the beach, this three story home offers the perfect blend of elegance, space and relaxed seaside charm. Boasting 3,658 square feet of living space and over 5,200 total square feet, this expansive property features five bedrooms and four and a half baths, providing multiple spaces for Family and Guests to gather and unwind. The second floor is the main living area and features a kitchen with sub-zero refrigerator, built in oven, microwave and an oversized island with cooktop and lots of cabinets. This second floor also has a dining room, living room and a large balcony to relax. Also on this floor are two guest bedrooms, one full and a half bath and a laundry room with washer and dryer, sink and cabinets. The third floor Primary suite features an ensuite bathroom and a private deck you can fall asleep to the sounds of the ocean waves and wake up to the peaceful lake views. The first floor van be used as a perfect in-law suite with 895 sq ft featuring a living room with cabinets, refrigerator and wet bar, bedroom and a full bath. Also available on this floor is 325 sq feet deck that leads to the pool. Tucked away on the top floor is a quiet hideaway room filled with soft natural light, the perfect spot for a reading nook, meditation space, or creative hobby area. Whether you envision a comfy chair and bookshelves, a peaceful mat, or a small studio for your favorite past time, this intimate retreat provides just enough privacy and calm to truly unwind and recharge at home With its coastal breezes, tranquil water views and comfortable layout made for together time, this is the kind of home where holidays, long weekends, and everyday moments become lasting memories. The A/C and Water Heater were replaced in 2023. Enjoy serene lake views from your backyard, complete with a saltwater pool, perfect for soaking up the Florida sunshine or hosting gatherings. For added peace of mind, the home is equipped with a fire sprinkler system. HOA fees include guard gate, subdivision maintenance and your yard maintenance. There is space for an elevator can be added by the Buyer, Hammock Beach Resort is only a few steps away and offers memberships that unlocks a plethora of amenities to be used. St. Augustine, the Nation's oldest city, is only 1/2 hour away and so is Daytona Beach, home of Daytona International Speedway and Bike week. There are airports in Daytona, Sanford, St. Augustine, Jacksonville and Orlando. Orlando theme parks are only one and a half hour away. The City of Palm Coast has been recognized by two national publications for being one of the "7 Best Places to Retire" and is also among "America's 50 Best Cities to Live".
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
3,658
Sqft
0.18 ac
Lot size
2
Garage
2005
Year built
Three Or More
Levels
$382
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.
$9,735 /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
$9,735/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
+10.2%
$/sqft vs Palm Coast actives
$382 vs $218
Days on market
33 vs 47 typical
Where $382/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 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)
169 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 268% 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 29 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 · Nov ’25$2,050,000
49 HAMMOCK BEACH CIRCLE S
4 bd · 4.5 ba · 3,683 sqft · $557/sqft · 216 DOM
Sold · Apr ’26$1,200,000
14 CALUSA COURT
4 bd · 3 ba · 3,583 sqft · $335/sqft · 3 DOM
Sold · May ’26$1,984,500
10 HAMMOCK BEACH CIRCLE S
4 bd · 3.5 ba · 3,562 sqft · $557/sqft · 97 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 29 NORTHSHORE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 29 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
29 NORTHSHORE AVENUE FAQs
What would the monthly payment be for 29 NORTHSHORE AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,735/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 29 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 29 NORTHSHORE AVENUE?+
The most recent tax bill on record (2025) was $15,412. 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 29 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 $1,399,000, this home is listed about 254% 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 29 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
$1,399,000 runs 268% above the PALM COAST 32137 median — but at 3,658 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.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Landon McLeod. MLS #FC319604.
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 29 NORTHSHORE AVENUE 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 →