1 SAN GABRIEL LANE, PALM COAST, FL, 32137
Active61 days on marketListed Jun 5, 2026MLS #J1001748
About this home
1 SAN GABRIEL LANE
Enjoy ocean and lake views, and the relaxing Florida lifestyle from this gorgeous updated custom home in the prestigious and gated Hammock Dunes community. Walk to the Atlantic Ocean with private beach access. Club memberships at Hammock Dunes and Hammock Beach are available. The large home site is 125' wide on water and 150' deep. From the moment you enter both floors, the panoramic water views create an immediate sense of tranquility, immersing you in the natural beauty of this Audubon-certified coastal sanctuary. The concrete block home features 3 bedrooms, 2 offices, 2 gathering rooms, 3.5 baths and a 3 car garage. The 1st floor has a gathering room with a custom wet bar, 2 guest rooms, office, 2 full bathrooms, and laundry room. Upstairs is the main living area with white oak wood floors, owner's suite, half bath, and another office/ flex space with stunning views. The owner's suite includes a spa-like bath with a rain shower, body jets, two walk in closets with built-ins. Elevator could be easily added next to the staircase. Seller added about $500,000 in updates to home since purchase in 2006. See attached feature list. All bathrooms have been renovated and entire home is very lightly lived in, airy and bright. The 3 car garage floor has Shark floor coating. Bring your own kitchen appliances to customize your dream kitchen. Some photos show virtual refrigerator and virtual dishwasher. The tile roof was assessed and it has 25 years of life left. Membership to the Hammock Dunes Club is available, but not required and offers two championship golf courses, an oceanfront clubhouse with world class amenities including dining, fitness center, heated pool and spa, tennis, pickle ball, croquet and much more. Hammock Beach is also minutes away and you can join there with amazing amenities.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
3,064
Sqft
0.45 ac
Lot size
3
Garage
2000
Year built
Two
Levels
$649
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.
$12,201 /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
$12,201/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
$649 vs $222
Days on market
61 vs 52 typical
Where $649/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
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
182 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 419% 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 1 SAN GABRIEL LANE
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$1,100,000
73 ISLAND ESTATES PARKWAY
4 bd · 3 ba · 3,015 sqft · $365/sqft · 64 DOM
Sold · Aug ’25$875,000
190 WILLOW OAK WAY
3 bd · 3.5 ba · 3,003 sqft · $291/sqft · 344 DOM
Sold · Apr ’26$565,000
26 N PARK CIRCLE
4 bd · 3 ba · 3,135 sqft · $180/sqft · 160 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 1 SAN GABRIEL LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1 SAN GABRIEL LANE — 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
1 SAN GABRIEL LANE FAQs
What would the monthly payment be for 1 SAN GABRIEL LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,201/mo — principal and interest, the actual property-tax bill, the $72/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 1 SAN GABRIEL LANE?+
The association fee works out to $72 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1 SAN GABRIEL LANE?+
The most recent tax bill on record (2025) was $5,820. 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 1 SAN GABRIEL LANE?+
The listing reports pets: Breed Restrictions, 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 $1,990,000, this home is listed about 398% 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 1 SAN GABRIEL LANE?+
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
$1,990,000 runs 419% above the PALM COAST 32137 median — but at 3,064 sqft it's also 62% 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.
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 STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J1001748.
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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