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Overview

4 bd5 ba3,054 sqft3 car garageSingle Family
TypeSingle Family
HOA$558/qtr
Built2026
Lot8,102 sqft
Living area3,054 sqft
Price / sqft$639
Garage3 car

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

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
NORTHSHORE 04
Type
Single Family Residence

True monthly carry

HOA
~$186/mo
CDD bond
Yes — typically $1,500–$3,500/yr
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.

About this home

Built-in FeaturesEat-in KitchenElevatorHigh CeilingsLiving Room/Dining Room ComboOpen FloorplanPrimarybedroom UpstairsSolid Wood Cabinets

22 Northshore Dr is a 2026-built home in Northshore 04, Palm Coast. Inside you'll find 4 bedrooms, 5 bathrooms, and 3,054 square feet of living space. Listed at $1,950,000 (about $639/sqft), 26 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $558 quarterly.

From the listing

Under Construction. Coming Soon — Construction is already underway by a premier custom home builder. 22 Northshore Drive offers a rare opportunity to personalize your luxury coastal home in Northshore Estates at Hammock Beach Golf Resort & Spa. Just a short walk from the Atlantic Ocean, resort amenities, and private upscale dining, this 3,048 sq. ft. residence is designed for effortless entertaining. Equipped with an elevator, the home's thoughtful floor plan features two ensuite bedrooms, a gathering room, a dedicated pool bath, and an outdoor kitchen on the first floor—all opening directly to your private pool and backyard sunrise views over the ocean. Up on the second level, the high-end gourmet kitchen with custom cabinetry connects seamlessly to an expansive great room wrapped in natural light and glass sliders. Step out onto the eastern balcony to take the spiral staircase up to the rooftop pavilion for gentle sea breezes and panoramic views. The main suite is situated upstairs with dual walk-in closets and sunset views, alongside a flexible fourth bedroom perfect for an office, nursery, or hobby space. With 4 bedrooms, 4.5 baths, and time left to select your own finishes, colors, and upgrades, this is a unique chance to tailor a custom home in a top-tier resort setting.

The essentials

Built
2026
Price / sqft
$639
On market
26 days
Annual tax
$2,811
HOA
$558/qtr
Flood zone
X · Low risk
Lot
8,102 sqft
Type
Single Family Residence

At a glance

Single family
3 stories · 2026
Waterfront
Lake Front
Private pool
Gunite
3 car garage
Driveway
8,102 sqft lot
Lot size

Payment

Est. monthly payment
$11,565/mo
Down payment (20%)
$390,000
Property taxes
$234/mo
HOA
$558/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
8,102 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Oversized
Pool
Gunite, In Ground, Lighting, Outside Bath Access, Screen Enclosure
Waterfront
Lake Front
Days on Market
26
Built-in Features
Eat-in Kitchen
Elevator
High Ceilings
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Solid Wood Cabinets
Split Bedroom
Stone Counters
Walk-in Closet(s)
Wet Bar
Balcony
Lighting
Gated Community - Guard
Bar Fridge
Dishwasher
Disposal
Microwave
Range
Refrigerator
Wine Refrigerator
Elementary
Old Kings Elementary
Middle
Indian Trails Middle-FC
High
Matanzas High

Districts can re-zone, so verify directly with the district before relying on these.

In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$2,811
Parcel #
04-11-31-3604-00000-0880

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
Northshore 04
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
8,102 sqft
City LimitsIn CountyLandscapedNear Golf CoursePaved
HOA
$558/qtr
Vesta Property Services

Price history

Date
Event
Price
9/14/2026
Listed for sale
Source: Stellar MLS #FC321454
$1,950,000
$639/sqft

Neighborhood

22 Northshore Dr
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $1,950,000
$1.92M – $1.95M
98.6% – 100% of listTops out right at the list price
80% of listList price
254 of the last 506 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 26.

Sample: 506 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
$11,565/mo
Principal & interest$10,170
Property taxes$234
Insurance$975
HOA$186
Down payment20% · $390,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee 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

$1,950,000

$639 per sq ft

Beds and baths

4 beds, 5 baths

Size

3,054 sq ft

Time on market

26 days

Year built

2026

Monthly payment

About $11,565/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,811 annual tax bill, insurance, and the $558/qtr HOA fee.

HOA fee

$558/qtr

Managed by Vesta Property Services.

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 byCOASTAL GATEWAY REAL ESTATE GRListing agent: Joan McCulloughListing data from Stellar MLS, MLS# FC321454.

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