527 CINNAMON BEACH LANE, PALM COAST, FL, 32137
Active211 days on marketListed Jan 3, 2026MLS #FC315012
About this home
527 CINNAMON BEACH LANE
Brand new custom built home with high-end furnishings being offered turn key as luxury vacation rental; get ready to embrace coastal living in this breathtaking masterpiece nestled in the exclusive Cinnamon Beach Community of Ocean Hammock, Palm Coast, Florida. This remarkable oceanfront neighborhood is a hidden gem, offering an array of luxurious amenities including an oceanfront pool, serene lakefront pool, a well equipped gym, inviting clubhouse, and a grill for those delightful outdoor meals. Whether you're seeking a savvy investment, a second getaway, or your forever home, this property accommodates all desires with its allowance for short-term and nightly rentals. Step inside this exquisite residence featuring five spacious bedrooms and four and a half elegantly designed bathrooms. Built with solid construction standards, the first floor boasts reinforced block, complemented by storm impact doors and windows for peace of mind. Enjoy the elegance of eight-foot solid core interior doors, a durable concrete tile roof, and a high-efficiency 15 Seer HVAC system. The outdoor oasis features a stunning custom saltwater heated pool and spa that overlooks a picturesque lake, complete with a summer kitchen and beautiful paver details surrounding the pool and patio area—perfect for entertaining or relaxing in the sun. Inside, no detail has been overlooked. Revel in the luxury of Hawikuh quartz vinyl flooring, custom solid wood kitchen cabinets with dovetail joints and soft-close drawers, and luxurious quartz countertops throughout. The master suite boasts California closets, while the home is adorned with exquisite hardware, lighting, and top-of-the-line appliances. Situated conveniently near shopping and dining, you’re just 30 minutes from the historic charm of downtown St. Augustine, 15 minutes from the vibrant atmosphere of Flagler Beach, and a short drive to Daytona Beach.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
3,478
Sqft
0.17 ac
Lot size
2
Garage
2025
Year built
Two
Levels
$572
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.
$12,554 /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
$12,554/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
+48%
$/sqft vs OCEAN HAMMOCK
$572 vs $439
Days on market
211 vs 47 typical
Where $572/sqft sits among the 27 homes for sale in OCEAN HAMMOCK
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)
12 of 27
OCEAN HAMMOCK have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 424% 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 527 CINNAMON BEACH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,984,500
10 HAMMOCK BEACH CIRCLE S · same community
4 bd · 3.5 ba · 3,562 sqft · $557/sqft · 97 DOM
Sold · Feb ’26$924,000
3 FLAGSHIP DRIVE · same community
3 bd · 2.5 ba · 3,666 sqft · $252/sqft · 117 DOM
Sold · Nov ’25$2,050,000
49 HAMMOCK BEACH CIRCLE S · same community
4 bd · 4.5 ba · 3,683 sqft · $557/sqft · 216 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 527 CINNAMON BEACH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 527 CINNAMON BEACH LANE — 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
527 CINNAMON BEACH LANE FAQs
What would the monthly payment be for 527 CINNAMON BEACH LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,554/mo — principal and interest, the actual property-tax bill, the $510/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 527 CINNAMON BEACH LANE?+
The association fee works out to $510 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 527 CINNAMON BEACH LANE?+
The most recent tax bill on record (2024) was $4,800. 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 527 CINNAMON BEACH LANE?+
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 $1,989,900, this home is listed about 404% 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 527 CINNAMON BEACH LANE?+
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
$1,989,900 runs 424% above the PALM COAST 32137 median — but at 3,478 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.
03Know the monthly fee
The association fee is $510/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
211 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 RE/MAX SELECT PROFESSIONALS · Jeremie Purdy. MLS #FC315012.
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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