200 OCEAN CREST DRIVE UNIT 421, PALM COAST, FL, 32137
Active202 days on marketListed Jan 3, 2026MLS #FC315009
About this home
200 OCEAN CREST DRIVE UNIT 421
Experience elevated coastal living from this stunning residence in the highly sought-after Hammock Beach Resort. This 1-bedroom, 1-bath condominium offers 678 square feet of thoughtfully designed living space with breathtaking views of the Atlantic Ocean and the Jack Nicklaus Signature Ocean Course. A tiled entry with elegant mosaic detail sets the tone for the refined coastal ambiance found throughout the home. The interior showcases tray ceilings with crown molding, a soothing coastal color palette, and plush designer carpeting in both the living area and bedroom. Expansive sliding glass doors bathe the space in natural light and open to a private balcony—ideal for enjoying sunrise vistas and refreshing ocean breezes. The well-appointed kitchenette is perfect for preparing light meals while taking in ocean views, complemented by custom window treatments featuring both blackout and sheer options for comfort and privacy. The spacious bathroom offers a spa-like retreat with a double-sink vanity, granite countertops, walk-in shower, soaking tub, and tile flooring. Owners may choose to obtain a Hammock Beach Club membership, providing access to premier amenities including oceanfront golf, tennis, full-service spa, multiple resort-style pools, fine dining, and an active social calendar. Just minutes beyond the resort, enjoy nearby state and national parks, scenic bike trails, and a variety of dining options. Offered fully furnished and rental-ready, this exceptional condo is the perfect opportunity to embrace the luxury coastal lifestyle at Hammock Beach.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
678
Sqft
0.44 ac
Lot size
1
Garage
2003
Year built
One
Levels
$465
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.
$3,011 /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
$3,011/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.
$/sqft vs NORTHSHORE 05
$465 vs $464
Days on market
202 vs 47 typical
Where $465/sqft sits among the 20 homes for sale in NORTHSHORE 05
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)
5 of 20
NORTHSHORE 05 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% below the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 200 OCEAN CREST DRIVE UNIT 421
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$275,000
200 OCEAN CREST DRIVE UNIT 722 · same community
1 bd · 1 ba · 678 sqft · $406/sqft · 135 DOM
Sold · Jul ’25$275,000
200 OCEAN CREST DRIVE UNIT 237 · same community
1 bd · 1 ba · 678 sqft · $406/sqft · 144 DOM
Sold · Mar ’26$410,000
5 OCEAN CREST WAY UNIT 1432 · same community
3 bd · 2 ba · 1,264 sqft · $324/sqft · 53 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 200 OCEAN CREST DRIVE UNIT 421 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 200 OCEAN CREST DRIVE UNIT 421 — 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
200 OCEAN CREST DRIVE UNIT 421 FAQs
What would the monthly payment be for 200 OCEAN CREST DRIVE UNIT 421?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,011/mo — principal and interest, the actual property-tax bill, the $595/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 200 OCEAN CREST DRIVE UNIT 421?+
The association fee works out to $595 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 200 OCEAN CREST DRIVE UNIT 421?+
The most recent tax bill on record (2025) was $3,142. 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 200 OCEAN CREST DRIVE UNIT 421?+
The listing reports pets: Cats OK, Dogs OK. 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 $315,000, this home is listed about 20% below the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 200 OCEAN CREST DRIVE UNIT 421?+
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
01Under the PALM COAST 32137 market on paper
$315,000 is 17% below the PALM COAST 32137 median of $379,900.
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 $595/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
202 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 · Vicki Rudomanski. MLS #FC315009.
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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