44 OCEAN OAKS LANE, Palm Coast, FL, 32137 | $1,429,000

One or more photo(s) has been virtually staged. Newly repositioned and offering exceptional value in Ocean Hammock, this custom-built estate combines golf course and ocean views, superior construction, and a flexible floor plan that would be difficult to replicate today at this price point.

Ideally situated along the 14th hole of Hammock Beach within the gated Northshore Estates neighborhood, the property has recently been professionally cleared and landscaped to maximize golf course views, creating a dramatically more open and inviting outdoor setting. From the main living areas, bedrooms, porches, and rooftop belvedere, the home now enjoys expansive golf course vistas with Atlantic Ocean views beyond.

Built with an emphasis on quality and durability, the residence features concrete block construction on both levels, impact-rated windows and doors, custom arched solid wood doors, spray foam insulation, newer HVAC systems, and a tiled tandem four-car garage. These structural features represent a level of construction rarely found in today's market and provide long-term value well beyond cosmetic finishes.

Designed with flexibility in mind, the home incorporates handicap-accessible features, a private elevator, and a multi-generational floor plan that accommodates a variety of living arrangements. The upper level serves as the primary living space, featuring soaring ceilings, dramatic architectural details, a spacious great room, formal dining area, private office, wet bar, and a well-appointed kitchen with custom cabinetry, granite countertops, gas cooktop with grill, built-in wall oven, cabinet pantry, and breakfast area.

The primary suite offers a private retreat complete with a flexible sitting room, dressing area, exercise space or coffee bar, along with a spa-inspired bath featuring multiple vanities, soaking tub, oversized shower, custom closet systems, and private water closet with bidet.

The lower level provides exceptional versatility with three additional bedrooms, multiple en-suite baths, a secondary living area with wet bar, and ample space for extended family, guests, or multi-generational living.

Outdoor spaces include multiple covered porches, tiled terraces, a gas fireplace, and a backyard with room to accommodate a custom pool if desired, see rendering in photos! The newly opened views create a significantly enhanced outdoor experience while providing future owners the opportunity to further customize the property to their lifestyle.

A spiral staircase leads to the home's signature belvedere tower, offering one of the most unique vantage points in Ocean Hammock with panoramic views of the golf course, Hammock Beach Club, and the Atlantic Ocean.

For buyers seeking location, quality construction, generous square footage, and long-term value, 44 Ocean Oaks Lane presents a rare opportunity to acquire a custom-built Ocean Hammock estate on a homesite worth over $600, 000 alone—at a price point that would be difficult to recreate in today's market.

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: 248 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 7/10/2026 10:07:49 PM)
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NMLS Mortgage Loan Originator ID 16953

917.838.7300

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44 OCEAN OAKS LANE, Palm Coast, FL, 32137

$1,429,000

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 $1,143,200 $1,143,200 $1,143,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.277% 6.223% 6.183%
Monthly Tax Payment $1,452 $1,452 $1,452
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,762 $6,946 $9,647
Total Monthly Payment $8,339 $8,523 $11,224

* 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.