$750,0004 bd · 2 ba · 2,095 sq ft
Active·50 days on market
8 River Oaks Way
Palm Coast, FL 32137
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palm Coast
Secluded Gated Community in The Hammock, situated between the Atlantic Ocean and the Intracoastal Waterway- YOU have found your DREAM HOME on this slice of barrier island paradise! Prepare to be enchanted by the lush low maintenance tropical landscaping surrounding this stunning saltwater pool and spa, with Pebble Tec upgraded finish. Has a new 2025 All Seasons electric heater and cooling system for the pool and the Spa is heated quickly with propane gas as needed. The fully screen enclosed oversized paver lanai is the ideal space for gatherings and so much more! This stunning outdoor retreat was added in 2018! This 4 bedroom / 2 bath home, boasts an open & inviting bright, split floor plan with beautiful luxury vinyl plank flooring and volume ceilings. The updated kitchen is equipped with Stainless Steel appliances, Granite Countertops completed with new cabinet hardware, in 2023. The open living room has a full wall of sliders that allows the morning light to pour in.
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
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: Shingle — year not disclosed (home built 2005)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water (record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,683 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.
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.
Closest beach parking
Fort Matanzas south accessabout 9 mi · 40 parking spaces
Closest park or preserve
Pellicer Creek Conservation Areaabout 6 mi · 3.7 mi of trails
Closest public boat ramp
Bing's Landing Boat Rampabout 2 mi · Atlantic ICW (Flagler County) Matanzas River
Closest kayak & paddleboard launch
Bing's Landing Accessible Kayak Launch Dockabout 2 mi · Atlantic ICW (Flagler County) Matanzas River
Closest grocery store
Aldiabout 16 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $7,434/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 28, 2026Price change$750,000−$49,900
- Sep 21, 2026Listed$799,900
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 $322/sq ft; this home is listed at $358/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1 Cloverdale Court S, Palm Coast, FL 32137Listed by REALTY EXCHANGE LLC | Apr 2026 | $685,000 | $258 | 4/2.5 | 2,654 | 42 | 0.9 |
| 7 Cedarford Court, Palm Coast, FL 32137Listed by NON MLS (realMLS) | Sep 2026 | $770,000 | $393 | 3/2 | 1,959 | 0 | 1 |
| 99 Cimmaron Drive, Palm Coast, FL 32137Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $525,000 | $202 | 3/3.5 | 2,594 | 10 | 1 |
| 13 Chadwick Court, Palm Coast, FL 32137Listed by EXP REALTY LLC | Mar 2026 | $720,000 | $326 | 3/2 | 2,209 | 61 | 1.2 |
| 12 Collinson Court, Palm Coast, FL 32137Listed by EXP REALTY LLC | Sep 2026 | $585,000 | $322 | 3/2 | 1,816 | 79 | 1.3 |
| 10 Collinson Court, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUP | Jun 2026 | $725,000 | $311 | 4/2.5 | 2,330 | 124 | 1.3 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REALTY EXECUTIVES OCEANSIDE
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
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Text Krista about this home20+ 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.
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