
197 AVENUE DE LA MER UNIT 202, PALM COAST, FL, 32137
Active8 days on marketListed Jul 29, 2026MLS #FC320153
About this home
197 AVENUE DE LA MER UNIT 202
Virtually Staged. Pre-Construction. To be built. A Legacy of Legendary Service - imagine a caliber of service renowned across the globe, in a world of impeccable taste and natural splendor—all right on the sand. A lifestyle complemented by your personal concierge, and a dedicated residential team to grant every wish. The Ritz-Carlton Residences, Hammock Dunes is a world all on its own, discreetly nestled on the last remaining 7 acres directly on the Atlantic Ocean in a sophisticated community graced with panoramic water views and timeless tranquility, all enriched by the exceptional legacy of The Ritz-Carlton. Every residence at The Ritz-Carlton Hammock Dunes is thoughtfully designed to celebrate effortless living. Expansive terraces open to breathtaking waterfront views, creating a natural extension of the home and inviting the outdoors in. Inside, spacious primary bedrooms and refined interiors offer a private sanctuary, elevated by legendary Ritz-Carlton service that anticipates every need with grace and care. Come home to a restorative retreat, appointed with an extensive suite of amenities including a stunning pool deck, state-of-the-art fitness and wellness center, world-class spa, private dining, whiskey bar and cigar room, executive business center, guest suites, and more. The Hammock Dunes Club is so much more than a private, oceanfront country club. Its superior member experiences have earned it the prestigious. Distinguished Emerald Club of the World recognition. Between championship golf (2 courses), tennis, pickleball, oceanfront croquet, bocce ball, a heated pool and spa, and fitness center, the abundance of amenities and member activities available throughout the year cultivates friendships that will last a lifetime. Membership is optional with separate deposits and fees. The internationally acclaimed development team is led by Unicorp National Developments (St. Regis, Longboat Key) The BH Group (Ritz Carlton Residences, West Palm Beach) and includes CFE Architects, the world renowned Interior Design Group of Myer Davis. The Sales Gallery is open daily, with residences currently available for presale. We invite you to schedule a private presentation, available in person or virtually, to experience the vision, residences, and lifestyle firsthand. Disclaimer: Ritz Carlton Residences Hammock Dunes is not owned, developed, or sold by Marriott International. Sketches, renderings, or photographs depicting lifestyle, amenities, food services, resort services, finishes, designs, materials, furnishings, plans, specifications, or art contained are proposed only. No specific view is guaranteed. The floorplan designs, fixtures, furnishings, finishes, and décor depicted include creations and selections which may not be included with the purchase of a unit. Any club or golf club referenced is located off site and managed by third parties access of either may require payment of fees & deposits by purchaser that are in addition to regular assessments. Consult the Developer’s prospectus to understand the offering, the amenities, the proposed budgets, terms, conditions, specifications, fees, unit dimensions and size calculation method, site plans, and to learn what is included with the purchase and the payment of regular assessments. The Developer is not a resident of the State of New York, and the offering of Developer are not intended for residents of New York nor any other jurisdiction in which such an offering is prohibited. Property taxes are estimates only and subject to change.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,390
Sqft
6.8 ac
Lot size
2
Garage
2027
Year built
One
Levels
$1,151
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.
$23,123 /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
$23,123/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 HAMMOCK DUNES
$1,151 vs $449
Days on market
8 vs 50 typical
Where $1,151/sqft sits among the 18 homes for sale in HAMMOCK DUNES
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
$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 618% 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 197 AVENUE DE LA MER UNIT 202
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$1,375,000
85 AVENUE DE LA MER UNIT 102 · same community
3 bd · 2.5 ba · 2,417 sqft · $569/sqft · 0 DOM
Sold · Apr ’26$1,325,000
19 AVENUE DE LA MER UNIT 705 · same community
2 bd · 2.5 ba · 2,340 sqft · $566/sqft · 79 DOM
Sold · Apr ’26$825,000
15 MARBELLA COURT · same community
3 bd · 2.5 ba · 2,336 sqft · $353/sqft · 162 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 197 AVENUE DE LA MER UNIT 202 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 197 AVENUE DE LA MER UNIT 202 — 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
197 AVENUE DE LA MER UNIT 202 FAQs
What would the monthly payment be for 197 AVENUE DE LA MER UNIT 202?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $23,123/mo — principal and interest, the actual property-tax bill, the $4,660/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 197 AVENUE DE LA MER UNIT 202?+
The association fee works out to $4,660 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 197 AVENUE DE LA MER UNIT 202?+
The most recent tax bill on record (2026) was $29,200. 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 197 AVENUE DE LA MER UNIT 202?+
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 $2,750,000, this home is listed about 588% 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 197 AVENUE DE LA MER UNIT 202?+
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
Four things that matter here
01Positioned at the premium end
$2,750,000 runs 618% above the PALM COAST 32137 median — but at 2,390 sqft it's also 26% larger than 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.
03Know the monthly fee
The association fee is $4,660/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong 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 #FC320153.
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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