$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
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.
- • 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 homeAs 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.
Closest beach parking
Fort Matanzas south accessabout 12 mi · 40 parking spaces
Closest park or preserve
Pellicer Creek Conservation Areaabout 9 mi · 3.7 mi of trails
Closest public boat ramp
Bing's Landing Boat Rampabout 5 mi · Atlantic ICW (Flagler County) Matanzas River
Closest kayak & paddleboard launch
Bing's Landing Accessible Kayak Launch Dockabout 5 mi · Atlantic ICW (Flagler County) Matanzas River
Closest grocery store
Aldiabout 19 mi · 181 Blackford Way, St. Augustine
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.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 3538 N Ocean Shore Boulevard, Palm Coast, FL 32137Listed by REMAX SELECT PROFESSIONALS | Jun 2026 | $1,350,000 | $456 | 5/4.5 | 2,960 | 281 | 0.1 |
| 8 N Village Drive, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUP | Feb 2026 | $525,000 | $188 | 4/3 | 2,799 | 272 | 0.8 |
| 3 Turkey Oak Lane, Palm Coast, FL 32137Listed by WATSON REALTY CORP | Sep 2025 | $1,313,000 | $325 | 3/4 | 4,038 | 84 | 1.3 |
| 3079 Painters Walk Walk, Flagler Beach, FL 32136Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Aug 2025 | $950,000 | $262 | 5/3 | 3,622 | 147 | 1.3 |
| 8 Rue Renoir, Palm Coast, FL 32137Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Oct 2026 | $1,250,000 | $400 | 3/3 | 3,123 | 190 | 1.4 |
| 190 Willow Oak Way, Palm Coast, FL 32137Listed by REMAX SELECT PROFESSIONALS | Sep 2025 | $875,000 | $291 | 3/3.5 | 3,003 | 205 | 1.5 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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.
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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
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