18 Spinaker Cir, photo 1
Active
1 / 74

Overview

4 bd5 ba4,156 sqft2 car garageSingle Family
TypeSingle Family
HOA$920/qtr
Built2024
Lot4,800 sqft
Living area4,156 sqft
Price / sqft$427
Garage2 car

Ask anything about this home

Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Crown MoldingElevatorHigh CeilingsLiving Room/Dining Room ComboOpen FloorplanPrimarybedroom UpstairsSolid Surface Counters

18 Spinaker Cir is a 2024-built home in Harbor Village Marina, Palm Coast. Inside you'll find 4 bedrooms, 5 bathrooms, and 4,156 square feet of living space. Listed at $1,775,000 (about $427/sqft), 143 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $920 quarterly.

From the listing

Some homes are beautiful. Others completely redefine the way you want to live. Tucked within the exclusive waterfront community of Yacht Harbor Village along the Intracoastal Waterway in the Hammock of Palm Coast, this custom-built residence was designed for those who refuse to compromise between boating, beach days, golf, and refined coastal living… because here, you truly can have it all. From the moment you step inside, the home feels effortlessly sophisticated yet warmly inviting. Soaring ceilings, dramatic designer lighting, expansive walls of glass, and carefully curated finishes create a timeless coastal aesthetic that feels elevated without ever feeling overdone. Thoughtfully designed for both everyday living and unforgettable entertaining, the open-concept spaces flow seamlessly from indoors to out. At the heart of the home, the chef’s kitchen is both functional and stunning, featuring custom cabinetry, oversized island seating, premium appliances and finishes, and a waterfront dining space perfectly positioned to capture the peaceful water views beyond. A private first-floor retreat complete with its own kitchen/bar area and ensuite bath offers exceptional flexibility for guests, multigenerational living, or elevated entertaining. Designed with comfort and convenience in mind, the home also features a private elevator servicing every level, dual laundry rooms, spacious guest ensuites, and an extraordinary primary suite that feels reminiscent of a private luxury resort. Complete with its own balcony overlooking the water, a spa-inspired bath, soaking tub, oversized walk-in shower, and designer finishes throughout, the space was created as a true retreat from everyday life. Outside, your own private waterfront oasis awaits. Wide canal views, direct Intracoastal access, a sparkling pool, expansive outdoor living spaces, and breathtaking evening skies create an atmosphere where every day feels like a vacation. With Yacht Harbor Marina located within the community, beach access just minutes away, and optional membership opportunities available through Hammock Dunes Club and Hammock Beach Resort, this offering is far more than simply a home. It’s the coastal lifestyle people spend years dreaming about… and very few ever truly find.

Request documents

Free. Tap one and our team sends it over.

The essentials

Built
2024
Price / sqft
$427
On market
143 days
Annual tax
$16,137
HOA
$920/qtr
Flood zone
X · Low risk
Lot
4,800 sqft
Type
Single Family Residence

At a glance

Single family
Built 2024
Waterfront
Intracoastal Waterway
Private pool
Heated
2 car garage
Ground Level
4,800 sqft lot
Lot size

Payment

Est. monthly payment
$11,796/mo
Down payment (20%)
$355,000
Property taxes
$1,345/mo
HOA
$920/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2024
Lot
4,800 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Ground Level
Pool
Deck, Heated, In Ground, Salt Water
Waterfront
Intracoastal Waterway
Days on Market
143
Ceiling Fans(s)
Crown Molding
Elevator
High Ceilings
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Wet Bar
Balcony
Deed Restrictions
Gated Community - Guard
Irrigation-reclaimed Water
Special Community Restrictions
Street Lights
Convection Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Ice Maker
Microwave
Range
Range Hood
Refrigerator
Washer
Wine Refrigerator
In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$16,137
Parcel #
04-11-31-3019-00000-0840

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Harbor Village Marina
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
4,800 sqft
Near Golf CourseNear Marina
HOA
$920/qtr
Southern States Management/Diana Grub

Price history

Date
Event
Price
9/30/2026
Price change
Source: Stellar MLS #FC318646
$1,775,000-1.4%
$427/sqft
5/23/2026
Listed for sale
Source: Stellar MLS #FC318646
$1,800,000
$433/sqft

Neighborhood

18 Spinaker Cir
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $1,775,000
$1.75M – $1.77M
98.6% – 100% of listTops out right at the list price
80% of listList price
254 of the last 507 home closings in 32137 landed at this number or higher (50%). The median one sat 49 days before it went under contract, and this one is on day 143 after a $25,000 cut.

Sample: 507 closed home sales in 32137 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$11,797/mo
Principal & interest$9,257
Property taxes$1,345
Insurance$888
HOA$307
Down payment20% · $355,000
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$1,775,000

$427 per sq ft

Beds and baths

4 beds, 5 baths

Size

4,156 sq ft

Time on market

143 days

Year built

2024

Monthly payment

About $11,796/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $16,137 annual tax bill, insurance, and the $920/qtr HOA fee.

HOA fee

$920/qtr

Managed by Southern States Management/Diana Grub.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byRE/MAX SELECT PROFESSIONALSListing agent: Pam CapelaListing data from Stellar MLS, MLS# FC318646.

Keep exploring Florida

Pick up where you left off, or see what else is out there.