18 SPINAKER CIRCLE, Palm Coast, FL, 32137 | $1,800,000

Some homes are beautiful.
Others completely redefine the way you want to live.

Tucked within the exclusive waterfront community of Yacht Harbor Village along the Intracoastal Waterway in the Hammock of Palm Coast, this custom-built residence was designed for those who refuse to compromise between boating, beach days, golf, and refined coastal living… because here, you truly can have it all.

From the moment you step inside, the home feels effortlessly sophisticated yet warmly inviting. Soaring ceilings, dramatic designer lighting, expansive walls of glass, and carefully curated finishes create a timeless coastal aesthetic that feels elevated without ever feeling overdone. Thoughtfully designed for both everyday living and unforgettable entertaining, the open-concept spaces flow seamlessly from indoors to out.

At the heart of the home, the chef’s kitchen is both functional and stunning, featuring custom cabinetry, oversized island seating, premium appliances and finishes, and a waterfront dining space perfectly positioned to capture the peaceful water views beyond. A private first-floor retreat complete with its own kitchen/bar area and ensuite bath offers exceptional flexibility for guests, multigenerational living, or elevated entertaining.

Designed with comfort and convenience in mind, the home also features a private elevator servicing every level, dual laundry rooms, spacious guest ensuites, and an extraordinary primary suite that feels reminiscent of a private luxury resort. Complete with its own balcony overlooking the water, a spa-inspired bath, soaking tub, oversized walk-in shower, and designer finishes throughout, the space was created as a true retreat from everyday life.

Outside, your own private waterfront oasis awaits. Wide canal views, direct Intracoastal access, a sparkling pool, expansive outdoor living spaces, and breathtaking evening skies create an atmosphere where every day feels like a vacation.

With Yacht Harbor Marina located within the community, beach access just minutes away, and optional membership opportunities available through Hammock Dunes Club and Hammock Beach Resort, this offering is far more than simply a home.

It’s the coastal lifestyle people spend years dreaming about… and very few ever truly find.

Features

  • Rooms: 15
  • Bedrooms: 4
  • Baths: 4 full / 1 half
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Upper Level, Washer Hookup
  • Style: Coastal, Florida
  • Year Built: 2024
  • Garage: 2-car Ground Level
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 4,156
  • Acreage: 0.11
  • Est. Taxes: $16,137
  • HOA Fee: $923 Quarterly
  • Lot Desc: Near Golf Course, Near Marina
  • View: Water
  • Water Front: Yes
  • Pool: Deck, Heated, In Ground, Salt Water
  • Pet Policy: Yes
  • Appliances: Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Microwave, Range, Range Hood, Refrigerator, Washer, Wine Refrigerator
  • MLS#: FC318646
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /eprop/FC318646/18spinakercircle_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 5/24/2026 10:17:11 AM)
Listing courtesy of Re/Max Select Professionals   Phone: 386-283-4966

William Raveis Family of Services

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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
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

18 SPINAKER CIRCLE, Palm Coast, FL, 32137

$1,800,000

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 $1,440,000 $1,440,000 $1,440,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.362% 6.385% 6.223%
Monthly Tax Payment $1,345 $1,345 $1,345
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $8,634 $8,866 $12,152
Total Monthly Payment $10,104 $10,336 $13,622

* 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.