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About this home
9 River Oaks Way is a 2015-built home in River Oaks/Hammock, Palm Coast. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,353 square feet of living space. Listed at $685,000 (about $291/sqft), 29 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $50 monthly.
Virtually Staged. Tucked away in the highly sought-after gated community of River Oaks in the Hammock, 9 River Oaks Way offers the perfect blend of privacy, timeless style, and coastal Florida living. Opportunities in this intimate community are rare, with low HOA fees and exclusive access to a private dock and fishing pier on the Intracoastal Waterway. Built in 2015 and offering more than 2,300 square feet of beautifully maintained living space, this home welcomes you with an oversized cobblestone driveway, tile roof, and an impressive 26' x 26' garage with room to accommodate an 18-foot boat. Inside, soaring vaulted and coffered ceilings create an open, elegant feel, while luxury vinyl plank flooring flows throughout the home with tile in the bathrooms for easy maintenance and a clean, updated look. The thoughtfully designed floor plan includes a formal dining room, separate office or den, and spacious living areas ideal for both everyday living and entertaining. The kitchen features granite countertops, 42-inch cherry cabinetry, stainless steel appliances, and generous pantry storage. The owner's suite offers a comfortable private retreat with oversized closets and a spacious ensuite bath featuring separate vanities, a soaking tub, Roman-style walk-in shower, and tile flooring. Outside, enjoy a private 22-foot patio overlooking the fully fenced yard, offering plenty of space for pets, entertaining, gardening, or simply relaxing and enjoying the Florida sunshine. Additional features include a new HVAC system and water heater, both installed in 2024, hurricane shutters, a dedicated well for the irrigation system, abundant storage, and the unique "Florida basement." Beyond the home, River Oaks offers something increasingly difficult to find in the Hammock: a gated setting with low HOA fees and private Intracoastal access, all while being just minutes from the beach, local dining, and everything that makes this stretch of Palm Coast so special. 9 River Oaks Way isn't simply a home near the water—it's an opportunity to enjoy the privacy, laid-back lifestyle, and coastal charm the Hammock is known for.
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The essentials
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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
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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 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
$685,000
$291 per sq ft
Beds and baths
3 beds, 3 baths
Size
2,353 sq ft
Time on market
29 days
Year built
2015
Monthly payment
About $4,246/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,371 annual tax bill, insurance, and the $50/mo HOA fee.
HOA fee
$50/mo
Managed by Rhonda Anderson.
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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