Tucked at the end of a quiet cul-de-sac in one of Palm Coast’s most loved coastal pockets, 15 Dogwood Terrace is the kind of home people picture when they dream about moving to Florida for good. Built in 2018 and thoughtfully designed as a custom luxury residence, this 3-bedroom, 3-bath home offers high ceilings, quality finishes, and the kind of privacy that’s getting harder to find—without the restrictions of an HOA. There is an office or flex space that can easily be converted to a 4th bedroom. Seller Financing available, 20% down at 5% interest. Contact the listing agent for more details. From the moment you pull in, the setting feels different. The home sits at the end of the street with peaceful water views behind it, giving you that rare combination of openness and seclusion. Mornings here start slow—coffee on the back patio, watching the light come up over the water and the coastal breeze move through the palms. Evenings feel just as special, with quiet sunsets and the occasional golf cart passing by on the way home from the beach. Inside, the home reflects the care and craftsmanship of a custom build. Tall ceilings, open living spaces, and thoughtful upgrades create a light, airy feel that fits perfectly with the coastal surroundings. Each bedroom has its own bathroom, making it ideal for hosting guests, family visits, or using the home as a short-term rental when you’re not in town. With no HOA and short-term rental flexibility, you have the freedom to enjoy it as a private residence, a vacation home, or an income-producing property. The lifestyle here is what truly sets it apart. This is a golf-cart-friendly coastal community with private beach access, so grabbing your chair and heading to the ocean is part of everyday life. Armand Beach is just minutes away, offering uncrowded shoreline, natural dunes, and some of the most peaceful stretches of sand in Flagler County. Nearby Bing’s Landing is a local favorite for boating, fishing, and waterfront dining, while Marineland adds a unique Old Florida charm with its history and scenic coastal views. For those who love the outdoors, the Malacompra and A1A bike trails wind through shaded oaks and along the Intracoastal and ocean, making it easy to spend your mornings riding, walking, or simply taking in the natural beauty. You’re close enough to everything—restaurants, marinas, and local markets—yet far enough to feel like you’ve found a quiet slice of coastal Florida that still holds onto its charm. 15 Dogwood Terrace isn’t just a home. It’s a laid-back coastal lifestyle where privacy, water views, and the beach are part of your everyday routine. Whether you’re looking for a full-time residence, a weekend escape, or a high-end short-term rental opportunity, this property offers the freedom and setting that make people fall in love with Palm Coast’s Armand Beach area in the first place.