45 KINGFISHER LANE, Palm Coast, FL, 32137 | $979,000

Welcome to your private coastal retreat. Nestled just steps from the Atlantic Ocean, this beautifully maintained single-level residence offers a seamless blend of indoor and outdoor living. A spacious courtyard entry sets the tone, featuring a heated pool surrounded by tropical landscaping. Guests will love their private suite in the pool courtyard, offering both comfort and seclusion. Inside the home, the open sunlit floor plan showcases soaring vaulted ceilings, travertine flooring, and an inviting living space designed for comfort and style. The newly upgraded kitchen shines with granite countertops, stainless steel appliances, and beautifully refreshed cabinetry. The primary suite is a true retreat, featuring engineered wood floors, a luxurious spa-like bathroom with a stand-alone soaking tub, and an extended private sitting area- ideal for an office, exercise room, or a quiet reading space with its own slider to the lanai. A separate air-conditioned storage room adds practicality to the home's thoughtful design. Enjoy Florida's indoor-outdoor lifestyle with a screened lanai offering "picture frame" views of the tranquil lake and golf course, and an additional open brick paver patio shaded by majestic oaks—perfect for watching sunsets or relaxing around a fire pit on cool evenings.
This home is move-in ready with recent updates including a second air conditioning unit in 2021, a water heater (2024), and a tiled roof (2019). Additional features include hurricane shutters, and impact glass. The HOA maintains landscape, irrigation, tree-trimming and pest control. Best of all this home includes a transferable Hammock Beach social membership—a $15, 000 value—offered at no cost to the buyer. With its perfect blend of luxury, privacy, and proximity to the ocean, this exceptional home truly has it all. Don't miss the chance to own this rare blend of coastal elegance, modern updates, and Florida charm. Schedule your private tour today!

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 3 full
  • Laundry: Inside, Laundry Room
  • Year Built: 2000
  • Garage: 2-car
  • Heating: Central, Electric, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 2,752
  • Acreage: 0.21
  • Est. Taxes: $5,180
  • HOA Fee: $538 Quarterly
  • Lot Desc: Landscaped, Street Dead-End
  • View: Golf Course, Water
  • Pool: Heated, In Ground
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: FC313693
  • Days on Market: 62 days
  • Website: https://www.raveis.com
    /prop/FC313693/45kingfisherlane_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 1/12/2026 12:47:08 PM)
Listing courtesy of HAMMOCK REAL ESTATE GROUP   Phone: 386-246-9934

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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

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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45 KINGFISHER LANE, Palm Coast, FL, 32137

$979,000

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 $783,200 $783,200 $783,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.000% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.241% 6.110% 5.972%
Monthly Tax Payment $432 $432 $432
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,447 $4,696 $6,504
Total Monthly Payment $4,971 $5,220 $7,028

* 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.