TrustLine Real Estate LLC · Florida Broker License #BK3590406

Under contract · MLS# FC321081

103 Island Estates Pkwy, Palm Coast

$2,150,000 Palm Coast, FL 32137

4 bd4 ba3,706 sq ft1.69 acresBuilt 2017

Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · (888) 977-1588 · MLS# FC321081 · Under contract

Photos and key facts

Under contract.

The seller has accepted an offer, and contracts at this stage can still fall apart during the inspection or financing period. Some sellers keep taking backup offers. Ask before you plan around it either way.

About this home

Under contract-accepting backup offers. Welcome to luxury coastal living in Island Estates, an exclusive gated island community in Hammock Dunes bordered by the Fox Cut Canal and the Intracoastal Waterway. Built in 2017, this custom waterfront sanctuary features 3,706 square feet of open-concept living space set on a premium, wide estate lot framed by mature tropical landscaping and magnificent oak trees.
The home welcomes you through an elegant foyer with custom stone wall detailing that opens to a soaring, 47-foot-wide great room and formal dining area with warm hardwood flooring throughout. Designed for effortless indoor-outdoor living, massive 10-foot sliding glass pocket doors vanish completely to merge the interior with the outdoor lanai, filling the space with natural light and serene water views. At the heart of the home, the gourmet chef’s kitchen boasts custom white-painted cabinetry, premium stainless steel appliances, wall oven and Advantium microwave oven, a gas cooktop, a beverage refrigerator, pot filler, a spacious center island with breakfast bar, and a large walk-in pantry.
The functional split layout offers four bedrooms and four full bathrooms, with each bedroom featuring its own private en-suite bath including one conveniently configured as a pool and cabana bath. The primary suite serves as a serene retreat featuring direct pool access, sweeping views, and a spa-inspired bath complete with dual vanities, a deep soaking tub, and an oversized walk-in shower. A dedicated home office provides a private, productive workspace, while modern conveniences include integrated surround sound audio, complete video surveillance, hurricane impact windows and doors, a whole house generator plus an oversized 4-car garage. The property has been impeccably maintained with recent updates including two new HVAC systems (2025), a new washer and dryer (2025), and new exterior French doors (2026).
Outdoor living is centered around direct waterfront views, featuring an expansive covered lanai equipped with an integrated TV setup, a gas-burning fireplace, and a new outdoor grill (2026). Beyond the lanai, relax by the sparkling pool and spa, which features a newly refinished spa surface (2026) and new pool heater (2025/2026). Situated in an X flood zone with elevated FFE for peace of mind, the property boasts approximately 147 feet of direct canal frontage with direct access to the Intracoastal Waterway, offering the perfect canvas to build your own custom private dock.
Located in prestigious Hammock Dunes in Palm Coast, residents enjoy serene, quiet beaches and frequent local wildlife sightings right in their backyard, all while remaining just an hour away from Jacksonville and Orlando. An optional membership is available to the award-winning Hammock Dunes Club—a Distinguished Emerald Club of the World and Platinum Club of America—which features two Audubon-certified golf courses, an oceanfront clubhouse with multiple dining venues, a resort-style pool, a 5,000-square-foot fitness center, tennis, pickleball, bocce ball, and three beachside croquet courts.

Written by the listing brokerage and shown exactly as supplied. Square footage, lot lines, school assignment, and association rules should be verified independently before you write an offer.

Property details

What the listing says about the house

As entered by the listing brokerage. Verify anything that affects your offer — square footage, flood zone, association rules, school assignment — before the inspection period ends.

Interior

Interior features
Built-in Features, Ceiling Fans(s), Crown Molding, Eat-in Kitchen, High Ceilings, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Walk-In Closet(s), Window Treatments
Appliances
Bar Fridge, Built-In Oven, Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Refrigerator, Washer, Wine Refrigerator
Flooring
Ceramic Tile, Wood
Heating
Central
Cooling
Central Air
Laundry
Inside
Fireplace
Yes
Windows
Aluminum Frames, Insulated Windows, Storm Window(s), Window Treatments

Exterior & lot

Exterior features
Lighting, Outdoor Grill, Outdoor Kitchen, Outdoor Shower, Private Entrance, Private Mailbox, Private Yard
Construction
Block, Stucco
Roof
Tile
Foundation
Slab
Style
Mediterranean
Patio & porch
Rear Porch, Screened
Other structures
Other, Storage
Lot features
Irregular Lot, Near Golf Course, Oversized Lot, Private, Paved
Lot dimensions
IRREGULAR
View
Water
Front exposure
West

Water & pool

Waterfront
Yes
Waterfront features
Canal - Saltwater
Body of water
Fox Cut Canal To Icw
Private pool
Yes
Pool features
Heated, In Ground, Screen Enclosure
Spa
Yes
Spa features
Heated, In Ground

Parking

Garage
Yes
Garage spaces
4
Attached garage
Yes
Parking
Circular Driveway, Driveway, Garage Door Opener, Garage Faces Side, Golf Cart Garage, Garage

Community & association

Subdivision
Hammock Dunes
Association
Yes
Association fee
$270 per month
Fee includes
Guard - 24 Hour, Maintenance Grounds, Private Road, Recreational Facilities, Security
Amenities
Gated, Other, Security, Vehicle Restrictions
Community features
Deed Restrictions, Gated Community - Guard, Golf Carts OK, Golf, Irrigation-Reclaimed Water, Special Community Restrictions, Street Lights
55+ community
No
Pets
Number Limit

Utilities

Utilities
Cable Connected, Electricity Connected, Propane, Public, Sewer Connected, Sprinkler Recycled, Underground Utilities, Water Connected
Water
Public
Sewer
Public Sewer

Building

Year built
2017
Levels
One
Stories
1
New construction
No
Builder
Rutenberg
Total area, sq ft
5,429

Taxes & terms

Annual taxes
$21,580 (2025)
Parcel number
04-11-31-3000-00000-0540
Zoning
PUD
Special conditions
None
Financing terms
Cash, Conventional

Florida specifics

Flood zone
X
Community development district (CDD)
Yes
Homestead exemption (current owner)
Yes
Total monthly fees
$508
Water access
Yes
Water view
Yes
Water view type
Canal
Elevator in building
No
Pet restrictions
SEE DOCS
Pets allowed (number)
2
Minimum lease period
6 Months
Leases allowed per year
3
Total acreage
1 to less than 2
Additional rooms
Bonus Room,Den/Library/Office,Great Room,Inside Utility,Storage Rooms

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Scott Lee confirms with the listing agent that it is still available, sets up a showing around your schedule, and gets the paperwork a listing page never shows.

TrustLine Real Estate is not the listing brokerage for this home. It is listed by COASTAL GATEWAY REAL ESTATE GR. We can arrange a showing and get your questions answered either way.

  • Whether it is still available, confirmed with the listing agent rather than read off this page.
  • A showing arranged around your schedule.
  • The paperwork the listing leaves out: association rules and budget, any seller’s disclosure, and the flood zone.
  • What comparable homes nearby actually closed at, not what they were listed at.

TrustLine Real Estate LLC · Scott Lee, Broker / Owner · Florida Broker License #BK3590406

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