18 SPINAKER CIRCLE, PALM COAST, FL, 32137
Active61 days on marketListed May 23, 2026MLS #FC318646
About this home
18 SPINAKER CIRCLE
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.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
4,156
Sqft
0.11 ac
Lot size
2
Garage
2024
Year built
Three Or More
Levels
$433
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$12,200 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$12,200/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Palm Coast
Get to know Palm Coast. See the full Palm Coast guide →
PALM COAST 32137 — neighborhood snapshot
Population
47,003
Median age
56.5
Median income
$78,731
Median home value
$360,600
Avg household
2.3
Households w/ children
3,437
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Coast market
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 374% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Jessica Torres
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 18 SPINAKER CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18 SPINAKER CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jessica's phone and CRM.
Straight answers
18 SPINAKER CIRCLE FAQs
What would the monthly payment be for 18 SPINAKER CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,200/mo — principal and interest, the actual property-tax bill, the $308/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 18 SPINAKER CIRCLE?+
The association fee works out to $308 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18 SPINAKER CIRCLE?+
The most recent tax bill on record (2025) was $16,137. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 18 SPINAKER CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $1,800,000, this home is listed about 356% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 18 SPINAKER CIRCLE?+
Matanzas High School (high), Indian Trails Middle School (middle), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$1,800,000 runs 374% above the PALM COAST 32137 median — but at 4,156 sqft it's also nearly twice the size of the typical Palm Coast listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Matanzas High School, Indian Trails Middle School, Old Kings Elementary School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of RE/MAX SELECT PROFESSIONALS · Pam Capela. MLS #FC318646.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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