300 CINNAMON BEACH WAY UNIT 232, PALM COAST, FL, 32137
Active1 days on marketListed Aug 14, 2026MLS #FC320686
About this home
300 CINNAMON BEACH WAY UNIT 232
Experience luxury coastal living in this beautifully updated residence within the exclusive gated community of Cinnamon Beach at Ocean Hammock. This 3rd floor unit is perfectly located offering breathtaking ocean views along with a front-row seat to the signature 8th hole of the Ocean Front Hammock Beach Golf Course designed by Jack Nicklaus. This spacious condo concept offers a split floor plan that is designed with both comfort and style for all quests. This condo boasts many upgrades including a whimsical ocean front style including the furniture and paint color design, tile flooring, new quartz counter tops, beautiful 42-inch cabinetry, built in buffet in dinning room, designer back splash, stainless steel appliances, tiled open rear patio with 2 sliding glass doors for entry. Additional upgrades include a new A/C installed in 2026, new hot water tank in 2025, new washer and dryer 2024, new beds & mattresses in 2024. Whether you are searching for a full-time residence, a luxurious second home, or a high-performing investment property, this condo presents an exceptional opportunity. Residents and guests enjoy access to amazing resort amenities including an ocean side heated pool, lakeside heated pool, splash zone, fitness center, play room, adult lounge, seasonal restaurant, and multiple private beach walkovers providing direct access to the pristine Atlantic shoreline. From sunrise to sunset experience luxury living at it's Best!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,682
Sqft
1
Garage
2005
Year built
Three Or More
Levels
$386
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.
$5,428 /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
$5,428/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−4.2%
Days on market
1 vs 49 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 71% 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
Jhony Hung Zheng
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 300 CINNAMON BEACH WAY UNIT 232 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 300 CINNAMON BEACH WAY UNIT 232 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jhony's phone and CRM.
Straight answers
300 CINNAMON BEACH WAY UNIT 232 FAQs
What would the monthly payment be for 300 CINNAMON BEACH WAY UNIT 232?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,428/mo — principal and interest, the actual property-tax bill, the $993/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 300 CINNAMON BEACH WAY UNIT 232?+
The association fee works out to $993 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 300 CINNAMON BEACH WAY UNIT 232?+
The most recent tax bill on record (2024) was $6,359. 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 300 CINNAMON BEACH WAY UNIT 232?+
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 $649,000, this home is listed about 62% above the Palm Coast median of $399,450. The market section on this page shows how the area is trending.
Which schools are assigned to 300 CINNAMON BEACH WAY UNIT 232?+
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
Five things that matter here
01Positioned at the premium end
$649,000 runs 71% above the PALM COAST 32137 median.
02Golf Course & Water views
The golf course and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $993/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 1 day on market in a Palm Coast market that averages 49 — if it fits, move quickly.
05Strong 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 REALTY EXECUTIVES OCEANSIDE · Bruce Vinnick. MLS #FC320686.
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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