

Overview
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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
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.
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.
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The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
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Sample: 506 closed home sales in 32137 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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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.
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