22 OCEAN DUNE CIRCLE, PALM COAST, FL, 32137
Active252 days on marketListed Nov 26, 2025MLS #O6363212
About this home
22 OCEAN DUNE CIRCLE
Build your dream home on this stunning lot with beach views in the gated community of Armand Beach Estates. Enjoy breathtaking sunrises over the ocean to the east and colorful sunsets to the west. This tranquil stretch of beach offers peaceful relaxation, long walks, and plenty of privacy. Nestled in the charming city of Palm Coast, the property is just a short drive to both St. Augustine and Flagler Beach. Outdoor enthusiasts will love having three nearby state parks—Malacompra, Bings Landing, and Washington Oaks. Bings Landing features a boat and kayak launch, plus easy access for fishing along the Intracoastal Waterway. With Jacksonville and Orlando both less than an hour away, you’ll have quick access to big-city amenities while still enjoying the serenity of coastal living. Survey available.
Facts & features
The home at a glance
0.26 ac
Lot size
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.
$3,930 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,930/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 → $360K
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 34% 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 22 OCEAN DUNE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$690,000
36 ARMAND BEACH DRIVE · same community
4 bd · 2.5 ba · 2,157 sqft · $320/sqft · 260 DOM
Sold · Mar ’26$719,900
38 ARMAND BEACH DRIVE · same community
4 bd · 3 ba · 2,300 sqft · $313/sqft · 170 DOM
Sold · Dec ’25$318,500
200 OCEAN CREST DRIVE UNIT 624
1 bd · 1 ba · 678 sqft · $470/sqft · 2 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 22 OCEAN DUNE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22 OCEAN DUNE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
22 OCEAN DUNE CIRCLE FAQs
What would the monthly payment be for 22 OCEAN DUNE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,930/mo — principal and interest, the actual property-tax bill, the $49/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 22 OCEAN DUNE CIRCLE?+
The association fee works out to $49 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 22 OCEAN DUNE CIRCLE?+
The most recent tax bill on record (2024) was $5,535. 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 22 OCEAN DUNE CIRCLE?+
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 $515,000, this home is listed about 29% 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 22 OCEAN DUNE CIRCLE?+
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
Five things that matter here
01Positioned at the premium end
$515,000 runs 34% above the PALM COAST 32137 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
252 days on market against a Palm Coast median of 52 — sellers in this position are usually ready to negotiate.
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.
05The price has already moved
Listed at $520,000, now $515,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Shannon Riva. MLS #O6363212.
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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