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List Price

$629,000

165 Avenue de la Mer Unit 402, Palm Coast, FL 32137

186 days on market↓ $20K from original list price

Estimated Payment

$5,800/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms3 baLiving area2,463 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2007

Listed by

Peggy Krantz

VENTURE DEVELOPMENT REALTY,INC

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

Experience an Exclusive Coastal Condo retreat located in the prestigious, gated, oceanfront community of Hammock Dunes. This Casa Bella Condo is a spacious condo, resembling a single-family residence but with a low maintenance lifestyle and peaceful views of the Atlantic Ocean. Each building is designed with only 3 residences in each building and a private 2 car garage. This 2nd floor unit has high interior ceilings (10'6"), 3 bedroom, 2 1/2 bath plus a front cozy deck off family room and extra-large rear lanai off living room and dining room (618 sq ft) plus a screened sun deck facing a lovely pond with fountain. The primary suite is located separately with spacious bathroom for comfort and privacy from the guest bedrooms. A well-planned layout offers seamless flow between family room, kitchen, dining and living room with direct access to large deck area. Recent upgrades include: AC replaced in 2023, water heater in 2025 and new dishwasher 2026.

165 Avenue de la Mer Unit 402, Palm Coast, FL 32137 in Palm Coast, FL 32137 is listed for $629,000. The home has 3 bedrooms, 3 bathrooms, and 2,463 square feet, and was built in 2007. Listed 186 days ago. The price was reduced from $649,000. The listing is held by VENTURE DEVELOPMENT REALTY,INC.

32137 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$6,204 (tax year 2025)
HOA fee$238 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$5,800/moest.

0% down -- about $1,087 more per month than 20% down conventional.

  • Principal & Interest 75%
  • Property Taxes 9%
  • Insurance 9%
  • HOA 4%
  • USDA Fee 3%
Principal & Interest
$4,336
Property Taxesfrom listing
$517
Insurance
$524
HOA
$238
USDA Annual Fee
$185

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$6,290

30-year fixed at 7.254%, as of November 12, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.254% for a 30-year fixed loan (Optimal Blue daily, published November 12, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $5,800, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $6,204 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR790166416. HomeJam is not the listing broker.

List Price

$629,000

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