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Active

Active·11 days on market

103 Island Estates Parkway

Palm Coast, FL 32137

$2,150,000$580/sqftEst. $11,167/moMLS# 2162696

Beds

Baths

3,706

Sq Ft

2017

Built

Garage

Yes

Pool

About this home

Palm Coast

Welcome to luxury coastal living in Island Estates, an exclusive gated island community in Hammock Dunes bordered by the Fox Cut Canal and Intracoastal Waterway. Built in 2017, this custom 3,706 sq ft waterfront estate features 4 en-suite bedrooms, 4 full baths (including a pool bath), and a dedicated home office on a wide lot with mature palms and oaks. Inside, an elegant foyer leads to a 47-foot great room with wood floors and a gourmet chef's kitchen featuring custom white cabinets, gas cooktop, dual wall ovens, beverage fridge, and walk-in pantry. Expansive 10-foot sliding glass pocket doors open completely to a resort-style lanai with a TV setup, gas fireplace, new outdoor grill (2026), and a heated pool with refinished spa (2026). Enjoy ~147 ft of direct canal frontage ready for your custom dock, plus an X flood zone location for peace of mind. Recent upgrades include 2 new HVACs (2025). Optional Hammock Dunes Club membership offers golf, dining, and oceanfront amenities.

Cost to own

Mortgage calculator

Home Price

$2,150,000

Down Payment: 20%

$430,000

Interest Rate: 6.76%

Loan Term

Monthly Payment

$11,167

Principal & Interest: $11,167

Insurance (est.): $1,433

Estimated Total Monthly

$12,601

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.76% · 30yr$11,167

HOAbilled monthly$270

Estimated total, before insurance$11,437/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$21,582/yr · $1,798/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $21,582/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Tile — year not disclosed (home built 2017)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · FLA011602 - Dunes Community Development District · Public water (record)

County records show this parcel on central sewer served by FLA011602 - Dunes Community Development District — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,815 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 31, 2026Listed$2,150,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$2,150,000

Price / Sq Ft$580

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,706

Total Structure Area5,429 sq ft

Acres1.64 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleSpanish

StatusActive

# of Garages4

Has PoolYes

Pool FeaturesIn Ground, Heated, Screen Enclosure

Is WaterfrontYes

Direction FacesEast

Community Information

Address103 Island Estates Parkway, Palm Coast, FL 32137

Area605-Flagler County North-Beach

SubdivisionHammock Dunes

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Lot Size71,438.4 sq ft

Parcel Number0411313000000000540

Amenities

AmenitiesBeach Access, Gated, Maintenance Grounds, Management - Full Time, Security

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingDetached, Garage, Garage Door Opener, Other

ViewCanal, Pool, Trees/Woods

Waterfront TypeCanal Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Split Bedrooms, Walk-In Closet(s)

AppliancesOther, Dishwasher, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

# of Stories1

LevelsOne

LaundryIn Unit

Security24 Hour Security, Gated with Guard, Security Gate, Security Lights

Spa FeaturesIn Ground, Heated, Private

Exterior

Exterior FeaturesImpact Windows, Outdoor Kitchen, Outdoor Shower

Lot DescriptionMany Trees

Patio / PorchCovered, Patio, Rear Porch, Screened

RoofTile

ConstructionBlock, Stucco

Road SurfacePaved

Road FrontagePrivate Road

Additional Information

Date ListedAugust 31, 2026

Days on Market0

HOA Fees$270 / Monthly

HOA FrequencyMonthly

HOA Fee IncludesMaintenance Grounds, Security

Tax Amount$21,581.87

Tax Year2025

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: COASTAL GATEWAY REAL ESTATE GROUP

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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