104 ISLAND ESTATES PARKWAY, PALM COAST, FL, 32137
Active186 days on marketListed Jan 29, 2026MLS #FC315445
About this home
104 ISLAND ESTATES PARKWAY
Welcome to Island Estates in Hammock Dunes. Pull you boat up to your DOCK on the Intracoastal and step into this Machin POOL home (one of Palm Coast’s premier builders) with many updates. The current owner has made the following IMPROVEMENTS creating an open concept perfect for entertaining family and friends. COMPLETE REMODEL OF KITCHEN-Removed wall, reconfigured kitchen, cabinets, appliances, wine cooler; NEW CARPET FIRST FLOOR BEDROOMS AND OFFICE; PRIMARY BATH–New cabinets, light fixtures, glass shower enclosure; POOL RESURFACE; POOL ENCLOSURE PAINTED AND SCREEN REPLACED; POOL DECK PAINTED; POOL PUMP AND HEATER; OUTDOOR KITCHEN; BOAT DOCK REFURBISHED AND LIFT UPDATED, WATER AND ELECTRIC ADDED; PAINTED INTERIOR AND EXTERIOR; NEW WASHER AND DRYER; REPLACED FANS AND LIGHT FIXTURES; REPLACED UPSTAIRS HVAC; NEW WATER HEATER WITH RE-CIRCULATOR; 3 BEDROOMS, OFFICE, 3 BATHS ON MAIN LEVEL; SECOND LEVEL HAS BEDROOM, BATH, KITCHENETTE AND FAMILY ROOM WITH LARGE SUN DECK WITH VIEWS OF ICW. This waterfront home is in the gated community of Island Estates which consists of 168 homes on large 1+ acre lots and has private gated beach access. It is in the area locals refer to as “The Hammock” and is part of Hammock Dunes. Hammock Dunes Club has memberships available but are not required. In addition to boating, with a membership to Hammock Dunes Club, one can enjoy amenities found in 5-star resorts. Located on the ocean, the club has 2 golf courses, restaurants, pool and splash pad, tennis, croquet, pickle ball, huge fitness center and social events that will appeal to everyone. Palm Coast is the best kept secret in Florida. Miles of beautiful beaches, over 125 miles of bike paths, beautiful parks along Intracoastal Waterway, a thriving art & theater community, home of famous artists, golf courses for every day, fishing, boating, wind sailing, surfing, canoeing are just a few of the things to do. Orlando and Disney World are close for a day outing and Jacksonville with all the shopping one could desire & the famous Mayo Clinic is one hour. NASCAR & ST. Augustine are within a thirty-minute drive.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,837
Sqft
1.18 ac
Lot size
3
Garage
2002
Year built
Two
Levels
$571
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$14,413 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$14,413/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+83%
$/sqft vs HAMMOCK DUNES
$571 vs $449
Days on market
186 vs 52 typical
Where $571/sqft sits among the 16 homes for sale in HAMMOCK DUNES
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Coast
Get to know Palm Coast. See the full Palm Coast guide →
PALM COAST 32137 — neighborhood snapshot
Population
47,003
Median age
56.5
Median income
$78,731
Median home value
$360,600
Avg household
2.3
Households w/ children
3,437
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Coast market
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
5 of 16
HAMMOCK DUNES have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 472% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 104 ISLAND ESTATES PARKWAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$1,600,000
77 ISLAND ESTATES PARKWAY · same community
4 bd · 4.5 ba · 4,149 sqft · $386/sqft · 145 DOM
Sold · Dec ’25$1,700,000
117 ISLAND ESTATES PARKWAY · same community
3 bd · 4 ba · 4,157 sqft · $409/sqft · 123 DOM
Sold · Jan ’26$1,150,000
101 ISLAND ESTATES PARKWAY · same community
3 bd · 3 ba · 3,490 sqft · $330/sqft · 254 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 104 ISLAND ESTATES PARKWAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 104 ISLAND ESTATES PARKWAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
104 ISLAND ESTATES PARKWAY FAQs
What would the monthly payment be for 104 ISLAND ESTATES PARKWAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,413/mo — principal and interest, the actual property-tax bill, the $270/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 104 ISLAND ESTATES PARKWAY?+
The association fee works out to $270 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 104 ISLAND ESTATES PARKWAY?+
The most recent tax bill on record (2025) was $16,138. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 104 ISLAND ESTATES PARKWAY?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $2,190,000, this home is listed about 448% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 104 ISLAND ESTATES PARKWAY?+
Matanzas High School (high), Indian Trails Middle School (middle), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$2,190,000 runs 472% above the PALM COAST 32137 median — but at 3,837 sqft it's also nearly twice the size of the typical Palm Coast listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
186 days on market against a Palm Coast median of 52 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Matanzas High School, Indian Trails Middle School, Old Kings Elementary School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $2,199,000, now $2,190,000 — a $9K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP · Sherron Skibo. MLS #FC315445.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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