32 SAN GABRIEL LANE, PALM COAST, FL, 32137
Active13 days on marketListed Jul 21, 2026MLS #FC320100
About this home
32 SAN GABRIEL LANE
Perfectly positioned on a premium homesite in the prestigious oceanfront golf community of Hammock Dunes, this exceptional custom estate offers 4 bedrooms, 4 bathrooms, and 3,648 square feet of impeccably designed living space. Surrounded by lush landscaping and overlooking a tranquil lake with preserve views beyond, the residence blends timeless architecture with refined craftsmanship, soaring ceilings, extensive crown molding, elegant columns, and expansive windows that fill the home with natural light. Thoughtfully designed for accessibility, the home is handicap accessible, offering comfort and convenience for a variety of lifestyles. Designed for both everyday living and effortless entertaining, the spacious floor plan features formal living and dining rooms, a private executive office with custom ceiling detail, and an inviting family room that seamlessly connects to the outdoor living spaces. The chef's kitchen is beautifully appointed with custom wood cabinetry, quartz countertops, a gas cooktop, built-in wall ovens, oversized island with seating, breakfast bar, walk-in pantry, and generous workspace. The primary suite offers tranquil pool and water views, an elegant tray ceiling, and a spa-inspired bath featuring dual vanities, a walk-in shower, custom cabinetry, and abundant storage. Each guest bedroom provides privacy and comfort with well-appointed bathrooms. Step outside to an expansive screened lanai showcasing a resort-style heated pool and spa, multiple covered entertaining areas, and breathtaking lake views that create the perfect backdrop for year-round Florida living. The pool enclosure and screen are just one year old, adding to the home's exceptional outdoor appeal. To further elevate the Hammock Dunes lifestyle, membership to the Hammock Dunes Club is available, offering an exceptional member experience with an oceanfront clubhouse, a "Low Country" clubhouse with formal and casual dining, two Audubon-certified golf courses by legendary designers Tom Fazio and Rees Jones, a 5,000-square-foot ocean-view fitness center, oceanfront pool complex, playground, splash pad, tennis courts, pickleball, croquet, bocce, and more.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,648
Sqft
0.43 ac
Lot size
2
Garage
2006
Year built
One
Levels
$383
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.
$8,985 /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
$8,985/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
−1.8%
$/sqft vs HAMMOCK DUNES
$383 vs $571
Days on market
13 vs 52 typical
Where $383/sqft sits among the 16 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 → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
6 of 16
HAMMOCK DUNES have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 265% 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 32 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 · Jan ’26$1,150,000
101 ISLAND ESTATES PARKWAY · same community
3 bd · 3 ba · 3,490 sqft · $330/sqft · 254 DOM
Sold · Nov ’25$1,600,000
77 ISLAND ESTATES PARKWAY · same community
4 bd · 4.5 ba · 4,149 sqft · $386/sqft · 145 DOM
Sold · Dec ’25$1,700,000
117 ISLAND ESTATES PARKWAY · same community
3 bd · 4 ba · 4,157 sqft · $409/sqft · 123 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 32 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 32 SAN GABRIEL LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
32 SAN GABRIEL LANE FAQs
What would the monthly payment be for 32 SAN GABRIEL LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,985/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 32 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 32 SAN GABRIEL LANE?+
The most recent tax bill on record (2025) was $8,151. 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 32 SAN GABRIEL LANE?+
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 250% 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 32 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
$1,399,000 runs 265% above the PALM COAST 32137 median — but at 3,648 sqft it's also nearly twice the size of the typical Palm Coast listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 · Krista Libby. MLS #FC320100.
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 32 SAN GABRIEL LANE 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 Steeve to ping you on any price or status change →