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OPEN CONCEPT MAIN LIVING AREA - 103 ISLAND ESTATES PKWY, PALM COAST
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PRIMARY BEDROOM ENSUITE - 103 ISLAND ESTATES PKWY, PALM COAST
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HER CLOSET - 103 ISLAND ESTATES PKWY, PALM COAST
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OFFICE - 103 ISLAND ESTATES PKWY, PALM COAST
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$2,150,000

103 ISLAND ESTATES PKWY
PALM COAST, FL 32137
Listed by Lisa Gardner · COASTAL GATEWAY REAL ESTATE GR
Bedrooms
4
Bathrooms
4
Living area
3,706 sqft
Year built
2017

About this home

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.

Highlights

WaterfrontPrivate poolFireplace

Property details

MLS #
MFRFC321081
Property type
Single Family Residence
Subdivision
HAMMOCK DUNES
Status
Active
Days on market
23
On market date
August 31, 2026
Stories
N/A
Total bathrooms
4
Garage spaces
4
Parking spaces
N/A
Lot size
1.69 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
LEWIS E. WADSWORTH ELEMENTARY
3.84 mi away · Grades -1-6
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
905
Student:teacher ratio
14.6:1
District
FLAGLER
Middle
BUDDY TAYLOR MIDDLE SCHOOL
3.89 mi away · Grades 7-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,022
Student:teacher ratio
19.7:1
District
FLAGLER
High
FLAGLER-PALM COAST HIGH SCHOOL
5.64 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,662
Student:teacher ratio
26.1:1
District
FLAGLER

Walkability

Blended score for PALM COAST's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

25
Car-dependent
out of 100
EPA National Walkability Index
6.3 / 20 -- Below average walkable
Google Places amenity density
15 / 100
Restaurants & cafes0
Grocery stores0
Parks5
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in PALM COAST, from live MLS data.

On the market 23 days -- 88 fewer days than PALM COAST's current average of 111 days.
For reference, the median list price across 1,867 active listings in PALM COAST right now is $349,998.

Mortgage calculator

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Est. monthly payment
$13,098/mo
$430,000 down
$1,720,000 loan
Principal & interest$11,156
Property tax (est.)$1,792
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 18 hr ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.