Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 106
Sold

$1,940,000Sold4 bd · 4 ba · 3,706 sq ft

Sold·Closed Oct 28, 2026·58 days on market

103 Island Estates Parkway

Palm Coast, FL 32137

$1,940,000sold priceListed at $2,150,000 · 90.2% of asking$523/sqftMLS# 2162696
4
Beds
4
Baths
3,706
Sq Ft
2017
Built
4
Garage
Yes
Pool
FEMA Zone AEHOA $270/mo1.64 acresWaterfrontSingle Family Residence1 story

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

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$10,577
HOAbilled monthly$270
Estimated total, before insurance$10,847/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).

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.

Read at the listing’s map pin. On a lot this size the zone can change across the property, and the pin may not be where the house stands.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 6:42 AM, sunset 5:34 PM.

  • A pool back here is the warmest in town and glitters in the evening.
  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

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.

History

Price & status history

  • Oct 30, 2026Closed$2,150,000
  • Oct 13, 2026Pending$2,150,000
  • Sep 29, 2026Active$2,150,000
  • Sep 28, 2026Pending$2,150,000
  • Aug 31, 2026Listed$2,150,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $325/sq ft; this home is listed at $523/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3538 N Ocean Shore Boulevard, Palm Coast, FL 32137Listed by REMAX SELECT PROFESSIONALSJun 2026$1,350,000$4565/4.52,9602810.1
8 N Village Drive, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUPFeb 2026$525,000$1884/32,7992720.8
3 Turkey Oak Lane, Palm Coast, FL 32137Listed by WATSON REALTY CORPSep 2025$1,313,000$3253/44,038841.3
3079 Painters Walk Walk, Flagler Beach, FL 32136Listed by ONE SOTHEBY'S INTERNATIONAL REALTYAug 2025$950,000$2625/33,6221471.3
8 Rue Renoir, Palm Coast, FL 32137Listed by ONE SOTHEBY'S INTERNATIONAL REALTYOct 2026$1,250,000$4003/33,1231901.4
190 Willow Oak Way, Palm Coast, FL 32137Listed by REMAX SELECT PROFESSIONALSSep 2025$875,000$2913/3.53,0032051.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

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
StatusClosed
# of Garages4
Has PoolYes
Pool FeaturesIn Ground, Heated, Screen Enclosure
Is WaterfrontYes
Direction FacesEast

School Information

This listingNo schools reported in the MLS
ElementaryOld Kings, reported on 2 other Hammock Dunes listings
MiddleIndian Trails, reported on 2 other Hammock Dunes listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

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
Community FeaturesSidewalks, Street Lights, Gated
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 ListedSeptember 29, 2026
Days on Market58
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 through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines