21 NORTHSHORE DRIVE, PALM COAST, FL, 32137
Active22 days on marketListed Jul 2, 2026MLS #FC319699
About this home
21 NORTHSHORE DRIVE
Enjoy sunrise views from the front of your future home and breathtaking sunsets overlooking the golf course from the rear. This premiere homesite, directly overlooking the 13th hole of the Jack Nicklaus Signature Ocean Course in Hammock Beach Resort, presents a rare opportunity to build your custom dream home in one of Florida’s premier gated coastal communities. There is no required timeframe to build, allowing you the flexibility to create your ideal residence at your own pace. Just a short walk from private community beach access and resort amenities, this homesite offers the perfect balance of golf and coastal living. Located within the exclusive Hammock Beach Resort community, owners have the opportunity to purchase optional Hammock Beach Club memberships, providing access to two championship golf courses, a multi-level pool complex with a lazy river and waterslide, state-of-the-art fitness center, full-service spa, tennis and pickleball courts, and multiple restaurants. Whether you’re planning a full-time residence, luxury vacation retreat, or long-term investment, this prime homesite offers an exceptional opportunity to own in one of the East Coast’s most desirable resort communities.
Facts & features
The home at a glance
0.22 ac
Lot size
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.
$3,785 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,785/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
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 29% 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 21 NORTHSHORE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$4,900,000
354 OCEAN CREST DRIVE · same community
5 bd · 6 ba · 6,117 sqft · $801/sqft · 0 DOM
Sold · Dec ’25$165,000
28 MAGNOLIA ROAD
2 bd · 1 ba · 760 sqft · $217/sqft · 54 DOM
Sold · Nov ’25$220,000
5 SHADY LANE S
2 bd · 2 ba · 784 sqft · $281/sqft · 63 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 21 NORTHSHORE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21 NORTHSHORE DRIVE — 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
21 NORTHSHORE DRIVE FAQs
What would the monthly payment be for 21 NORTHSHORE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,785/mo — principal and interest, the actual property-tax bill, the $205/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 21 NORTHSHORE DRIVE?+
The association fee works out to $205 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 21 NORTHSHORE DRIVE?+
The most recent tax bill on record (2025) was $3,896. 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 21 NORTHSHORE DRIVE?+
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 $489,000, this home is listed about 24% 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 21 NORTHSHORE DRIVE?+
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
$489,000 runs 29% above the PALM COAST 32137 median.
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 REAL BROKER, LLC · Samantha Rosenbaum. MLS #FC319699.
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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