44 OCEAN OAKS LANE, Palm Coast, FL, 32137 | $1,899,000

One or more photo(s) has been virtually staged. Experience architectural excellence & timeless elegance in this distinctive Skyway Builders Mediterranean Estate Home, perfectly positioned on the 14th hole of the Hammock Beach Golf Course. Built in 2009, this two-story residence exudes sophistication, craftsmanship, & breathtaking golf & ocean views. The multi-generational living quarters are superior. Handicap-accessible features were thoughtfully built into the design.

A short drive into this gated neighborhood of gorgeous homes leads you through a forged iron front door into a grand foyer that sets the tone for the home’s dramatic interior, featuring double tray ceilings, graceful arches, columns, & custom lighting throughout. Floors are Porcelano Brazilian rectified tile, with mosaic accents in the foyer & Spanish tile featured elsewhere in the home, adding to its distinctive character.

The great room offers soaring ceilings & a wall of impact-rated, tinted windows & French doors framing spectacular course views. The chef’s kitchen is designed for both beauty & function, showcasing custom cabinetry, granite counters, a 36-inch gas cooktop w/ grill, built-in wall oven, cabinet pantry, & wet bar w/ under- & upper-cabinet lighting. A breakfast nook w/ chandelier & adjoining gathering room w/ wet bar, plus formal dining, powder room & elegant office complete the upper level’s elegant flow—perfect for entertaining.

Also on this floor is the primary suite—a serene retreat w/ private foyer, perfect for coffee bar, dressing/exercise room, spa-style bath w/ soaking tub & oversized shower, large walk-in closet w/ custom shelving, expansive separate linen closet w/ window, three vanities & water closet w/ bidet.

Elevator access in the middle of the home takes you down to the lower level offering exceptional versatility. Featuring three bedrooms total on first floor, one of which could make an amazing game/craft room w/ double walk-ins, & the other two w/ baths en suite (one w/ walk-in), plus another powder bath, wet bar w/ mini fridge in another living room—perfect in-law suite for one/two sets of parents—plus large laundry room.

Tiled, tandem four-car garage (20. 8' x 30. 6') provides generous space for vehicles, golf carts & storage, w/ additional utility & under-stair storage areas. Outdoor living includes two covered porches, gas fireplace, tiled patios & decorative balustrade railings surrounding multiple terraces—perfect for relaxing or entertaining while enjoying panoramic views. Summer kitchen includes exhaust fan vent w/ switch. Ample space to add a pool if desired.

Additional features include owned (but disconnected) alarm system & newer air conditioners (1–2 yrs old), ensuring comfort & peace of mind.

Crowning this home is stunning Belvedere tower w/ spiral staircase, offering one of the most captivating vantage points in Hammock Beach—sweeping views of the golf course, club & Atlantic Ocean. From barrel-tile roof & handcrafted finishes to grand chandeliers, niches & architectural details, this home is a masterpiece of design & quality.

Located in gated North Shore section of Hammock Beach, this property offers ultimate blend of luxury, privacy & proximity—just moments from the beach & world-class golf.

Features

  • Amenities: Gated, Security, Trail(s)
  • Rooms: 15
  • Bedrooms: 4
  • Baths: 3 full / 2 half
  • Lot Size: 115 x 130
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Upper Level, Washer Hookup
  • Style: Custom, Mediterranean
  • Year Built: 2009
  • Garage: 4-car Driveway, Garage Door Opener, Garage Faces Side, Other, Oversized, Tandem, Workshop in Garage
  • Heating: Central, Electric, Propane
  • Cooling: Central Air
  • Approx Sq. Feet: 4,305
  • Acreage: 0.34
  • Lot Size: 115 x 130
  • Est. Taxes: $17,420
  • HOA Fee: $510 Quarterly
  • Lot Desc: Conservation Area, Landscaped, Level, On Golf Course, Oversized Lot, Private
  • View: Golf Course, Water
  • Elem. School: Old Kings Elementary
  • Middle School: Indian Trails Middle-FC
  • High School: Matanzas High
  • Pet Policy: Cats OK, Dogs OK, Yes
  • Appliances: Bar Fridge, Built-In Oven, Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Indoor Grill, Microwave, Range Hood, Refrigerator, Washer, Water Softener, Wine Refrigerator
  • MLS#: FC313661
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /eprop/FC313661/44oceanoakslane_palmcoast_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/25/2026 5:45:12 AM)
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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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44 OCEAN OAKS LANE, Palm Coast, FL, 32137

$1,899,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,519,200 $1,519,200 $1,519,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.300% 6.361% 6.203%
Monthly Tax Payment $1,452 $1,452 $1,452
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $8,987 $9,354 $12,820
Total Monthly Payment $10,564 $10,931 $14,397

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.