
32 HAMMOCK BEACH CIRCLE S, PALM COAST, FL, 32137
Active0 days on marketListed Aug 8, 2026MLS #FC319954
About this home
32 HAMMOCK BEACH CIRCLE S
A commanding expression of coastal architecture, 32 Hammock Beach Circle is a custom Arthur Rutenberg estate offering 5,612 square feet of living space and 9,366 total square feet, with sweeping Atlantic Ocean and golf course views. Beside the private beach walkover and across from the neighborhood pool and clubhouse, the five-bedroom, 6.5-bath residence overlooks the eighth tee box and green. Every bedroom is en suite, ensuring privacy. Built in 2009 with concrete-block construction on all three levels, the home features a tile roof, Rhino exterior coating, plantation shutters and propane generator. Cantera double entry doors introduce interiors enriched by Jerusalem limestone, while a private elevator connects every floor. Designed for multigenerational living, the first level offers two en suite bedrooms, including an in-law suite with private entrance. The second bedroom’s en suite bath has outdoor access to a slate-lined shower, ideal when returning from the community pool or private beach. A sitting area and fitness room with sink, refrigerator and ice maker complete this level. Two garage bays provide storage, complemented by a storage/safe room, driveway turnaround and security cameras at ground level and in the garage. The second floor is devoted to living and entertaining. Its chef's kitchen pairs Level 10 exotic granite with a farmhouse sink, oversized island and downdraft cooktop, Sub-Zero refrigerator and freezer, two side-by-side 78-bottle Sub-Zero wine refrigerators with dual temperature zones, commercial-grade Sub-Zero ice maker, Miele built-in coffee system and dishwasher, and Wolf double ovens. A sliding glass wall connects the kitchen to the summer kitchen, while another opens the great room to wraparound balconies overlooking the ocean and fairway. A new outdoor fireplace extends the living experience into the coastal air. The formal dining room, walk-in pantry and illuminated onyx powder room are joined by a library with custom-stained built-ins and wine room prewired for refrigeration. An authentic fireplace imported from France and believed to be more than 400 years old anchors the interior with remarkable provenance; the floor beneath was reinforced for its weight. Crowning the residence, the third-floor owner's retreat captures elevated views from its sitting area and wraparound balcony. Separate his-and-hers bathrooms, three custom closets, a steam shower and television concealed behind one bathroom mirror create a private sanctuary. Two additional king-size en suite bedrooms share a sitting area and front balcony, while the laundry room features Miele Professional washer and dryer. New tongue-and-groove ceilings enrich every covered lanai, and a new fountain fashioned from an antique French well lends European character. Every shower includes fixed and handheld showerheads with built-in niches. Further appointments include exotic granite bath finishes, impact glass, double-hung windows, an illuminated primary-bedroom tray ceiling, custom closets and in-wall pest-control tubing. The integrated ELAN system provides audio, video and technology, with speakers in every room and across all three lanai levels. Each HVAC system incorporates an air purifier and UV blue-light purification. The HOA provides landscaping, irrigation, lawn care and security. Optional Club at Hammock Beach membership may offer signature golf, beach services, pools, tennis, pickleball, fitness, spa, dining and member activities.
Facts & features
The home at a glance
5
Bedrooms
6.5
Bathrooms
5,612
Sqft
0.19 ac
Lot size
2
Garage
2009
Year built
Three Or More
Levels
$551
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.
$20,003 /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
$20,003/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.
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
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 704% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
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
Wendell Tomimbang
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 32 HAMMOCK BEACH CIRCLE S — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 32 HAMMOCK BEACH CIRCLE S — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Wendell's phone and CRM.
Straight answers
32 HAMMOCK BEACH CIRCLE S FAQs
What would the monthly payment be for 32 HAMMOCK BEACH CIRCLE S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $20,003/mo — principal and interest, the actual property-tax bill, the $256/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 HAMMOCK BEACH CIRCLE S?+
The association fee works out to $256 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 32 HAMMOCK BEACH CIRCLE S?+
The most recent tax bill on record (2026) was $20,709. 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 HAMMOCK BEACH CIRCLE S?+
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 $3,095,000, this home is listed about 674% 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 HAMMOCK BEACH CIRCLE S?+
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
$3,095,000 runs 704% above the PALM COAST 32137 median — but at 5,612 sqft it's also nearly 3 times the size of the typical Palm Coast listing.
02Golf Course & Water views
The golf course and water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Listed today in a Palm Coast market that averages 49 — if it fits, move quickly.
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.
Listing courtesy of ONE SOTHEBYS INTERNATIONAL · Katherine Gable. MLS #FC319954.
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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