15 OCEAN CREST WAY UNIT 1342, PALM COAST, FL, 32137
Active548 days on marketListed Jan 31, 2025MLS #FC306514
About this home
15 OCEAN CREST WAY UNIT 1342
Welcome to 15 Ocean Crest Dr #1342, a breathtaking top-floor condominium in the highly desirable Villas at Hammock Beach! Offering a spacious 3 bedroom/2 bathroom floor plan with vaulted ceilings on the penthouse level, this fantastic residence features sweeping views of the Atlantic Ocean and the Jack Nicklaus Signature Ocean Course. As you step inside, you’ll find a guest bedroom near the entrance, as well as the 2nd guest bedroom, and a full bathroom with a shower-tub combination to accommodate extended family. Just ahead, this welcoming space opens into a bright and airy wide-open main area featuring the kitchen, dining space, and living room. With ceilings that soar up to 18 feet, this residence has a grandiose feel throughout. Granite counters, stainless steel appliances and 42-inch wood cabinets are just a few of the features that make this kitchen sparkle. Your guests can pull up a stool at the breakfast bar and chat with the host as coffee is brewed in the morning, or while the evening’s feast is prepared. Dry bar offers extra cabinets and counter space to create your favorite libations. Move over to the elegant dining space with chandelier- the ideal space to enjoy great conversation over a meal. In the comfortable living area, gather ‘round for some relaxing while you enjoy the blue and green views out the window. Large sliding glass doors flood this area with natural light and lead to a spacious balcony, where you can unwind and enjoy the ocean breeze and stunning views of the Atlantic and the Ocean Course. The condo boasts “like-wood” tile flooring throughout the main living areas, with cozy carpet in the bedrooms. The master suite features expansive windows that invite in abundant natural light. A generous walk-in closet leads to the luxurious master bathroom, complete with soaking tub, glass-enclosed walk-in shower, and dual vanity. This condo is the ideal retreat for anyone seeking a beachside escape. Seize the opportunity to join the onsite Club at Hammock Beach, granting access to world-class amenities, including the Jack Nicklaus Ocean Course, multiple dining options, full-service spa, indoor and outdoor pools, lazy river, water slide, a state-of-the-art fitness center, social activities and so much more! Don’t miss this incredible opportunity to experience coastal luxury at its finest!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,264
Sqft
0.67 ac
Lot size
1
Garage
2005
Year built
One
Levels
$376
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.
$4,756 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,756/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−12.2%
$/sqft vs Palm Coast actives
$376 vs $218
Days on market
548 vs 47 typical
Where $376/sqft sits among the 400 Palm Coast actives
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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
168 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 15 OCEAN CREST WAY UNIT 1342
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$350,000
15 OCEAN CREST WAY UNIT 1315 · same community
3 bd · 2 ba · 1,696 sqft · $206/sqft · 5 DOM
Sold · Dec ’25$288,000
200 OCEAN CREST DRIVE UNIT 726 · same community
1 bd · 1 ba · 678 sqft · $425/sqft · 174 DOM
Sold · Dec ’25$318,500
200 OCEAN CREST DRIVE UNIT 624 · same community
1 bd · 1 ba · 678 sqft · $470/sqft · 2 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 15 OCEAN CREST WAY UNIT 1342 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15 OCEAN CREST WAY UNIT 1342 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
15 OCEAN CREST WAY UNIT 1342 FAQs
What would the monthly payment be for 15 OCEAN CREST WAY UNIT 1342?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,756/mo — principal and interest, the actual property-tax bill, the $1,202/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 15 OCEAN CREST WAY UNIT 1342?+
The association fee works out to $1,202 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 15 OCEAN CREST WAY UNIT 1342?+
The most recent tax bill on record (2024) was $4,651. 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 15 OCEAN CREST WAY UNIT 1342?+
The listing reports pets: Cats OK, Dogs OK, 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 $475,000, this home is listed about 20% 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 15 OCEAN CREST WAY UNIT 1342?+
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
$475,000 runs 25% above the PALM COAST 32137 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,202/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
548 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
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.
Keep looking
Similar homes nearby
Listing courtesy of HAMMOCK REAL ESTATE GROUP · Luke O'Reilly. MLS #FC306514.
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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