David Ramirez
$897,000$998,0003 bd3 ba2,003 sqft$448 /sqft$6,139 /mo all-in ↓

600 CINNAMON BEACH WAY UNIT 531, PALM COAST, FL, 32137

Active146 days on marketListed Mar 8, 2026MLS #FC316744

Reduced $101KWaterfrontPrivate poolFully furnishedCondominiumOCEAN HAMMOCK

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Sun, Aug 2

1:00 AM – 4:00 PM

Come see this beautiful oceanfront condo

About this home

600 CINNAMON BEACH WAY UNIT 531

Rare opportunity to own a Direct Oceanfront Condo at Beautiful Cinnamon Beach at Ocean Hammock. Cinnamon Beach is like no other oceanfront property. Located in The Hammock, the gated community of Cinnamon Beach at Ocean Hammock offers approximately 2 miles of nearly private beach. Exceptional location on the 3rd floor with amazing ocean and beach views. This corner unit offers more windows for natural light, and this particular corner offers more privacy on the Lanai due to the angle of the next building. Conveniently located next to the Beach Walkover. Watch the shrimp boats and dolphins while you enjoy your morning coffee on the large, tiled Lanai. The largest condo floor plan available at Cinnamon Beach, this 3BR/3BA condo has a split bedroom plan ensuring privacy for all three bedrooms. The oversized Primary Bedroom features a King Bed, Desk, Large Windows to enjoy the Ocean Views, and a Spacious Ensuite Bathroom offering two separate vanities, large jacuzzi tub, walk-in shower, and water closet. Primary Suite Storage includes an In-Room Closet and a Second Large Closet with custom shelving that is currently used to store owner and vacation rental supplies. A Second King Bedroom with Ensuite Bathroom is centrally located off the Main Entrance Hallway. The Third Bedroom with Bunk Beds and a Queen Murphy Bed and Adjacent Bathroom are located on a separate hallway off the Foyer, past the Laundry Room, giving privacy and space for everyone. This floorplan offers the Larger Kitchen with Stainless Appliances and Granite Counters plus a bonus Breakfast Area. The Breakfast Table along with the adjoining Dining Room offers Indoor Dining for 10. With Additional Al Fresco Dining for 10 on the Lanai, this is a perfect space for Entertaining. The Living Room features an oversized Sliding Door with breathtaking views of the Beach and Atlantic Ocean. And don't miss the View of the 8th hole of the Ocean Course from the balcony (and the Tee Box view from the Breakfast Room). My Place at Cinnamon Beach has a solid vacation rental history with many repeat guests. With rentals scheduled into the summer and beyond, My Place at Cinnamon Beach can continue to be used as a short-term rental or arrangements can be made to convert it to a non-rental property. Rentals have been self-managed by the owner to assure that the condo has been both well maintained and kept in excellent condition. Water, cable and internet are included with the condo fees. The Ecobee Thermostat enables you to manage the HVAC with a phone app. The Yale Door Lock also enables app management and along with the Eero Wifi System makes this unit a very smart home. New windows installed October 2024. 4" Plantation Shutters throughout. HVAC was recently replaced. Owner's Storage Closet located in the Garage is perfect for storing chairs and beach toys. No Pets have been in this condo. All appliances and most furnishings and decor will convey. Personal items and some artwork/decor will not convey. Cinnamon Beach offers resort style luxury with 2 Pools - the Ocean Side Lap Pool/Spa with Cabanas and Elevator to a private sitting area. The second Lake Side Family Pool/Spa features Zero Entry Pool plus a Kiddie Pool and Play Area as well as the Fabulous Cinnamon Beach Grill, Adult Room , Kid's Play Room, Fitness Center, and more. Perfect to Watch Space Launches from Cape Canaveral! Seller is a Licensed Realtor in Florida. Showings By Appointment Only.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,003

Sqft

0.3 ac

Lot size

1

Garage

2004

Year built

One

Levels

$448

Per sqft

Private poolWaterfrontWater viewFurnished

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · In Wall Pest System · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingElectric
FurnishedFurnished

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationBlock · Slab
ViewWater
FacesWest
ParkingGround Level · Under Building
ExteriorBalcony · Lighting · Sidewalk

Community & fees

Taxes (2025)$9,627/yr
PetsCats OK, Dogs OK, Number Limit
CommunityClubhouse · Community Mailbox · Fitness Center · Gated Community - Guard · Sidewalks

Utilities & systems

UtilitiesCable Connected · Electricity Available · Phone Available · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$6,139 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,840
PMI (est., until 20% equity)$336
Property tax — 2025 actual bill$802
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $89,700Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $89,700
Interest rate6.00%
Loan term

Estimated payment

$6,139/mo

Principal & interest$4,840
PMI (est., until 20% equity)$336
Property taxes (actual bill)$802
Est. insurance$160

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.

List $897K
$726KedgeAI estimate $783,373 · range $757K$850K$933K

vs edgeAI estimate

+14.5%

$/sqft vs OCEAN HAMMOCK

$448 vs $439

Days on market

146 vs 47 typical

Where $448/sqft sits among the 28 homes for sale in OCEAN HAMMOCK

9
10 · this home
4
1
2
2
$309–396$396–483$483–569$569–656$656–743$743+

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

Map of 600 CINNAMON BEACH WAY UNIT 531

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

HighMatanzas High School★★★★
MiddleIndian Trails Middle School★★★★★
ElementaryOld Kings Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketBalanced5.8 months of inventoryBuyer’s market

$353K$373K

Palm Coast median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

13 of 28

OCEAN HAMMOCK have cut their price

Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 136% above the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

CurrentPrice reduced to $897,000 $101K
Mar 8, 2026Listed at $998,000 · 146 days on market since
2004Built · OCEAN HAMMOCK

Reality check

What actually sold near 600 CINNAMON BEACH WAY UNIT 531

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

200 CINNAMON BEACH WAY UNIT 131Sold · Dec ’25

$675,000

200 CINNAMON BEACH WAY UNIT 131 · same community

3 bd · 3 ba · 2,003 sqft · $337/sqft · 125 DOM

300 CINNAMON BEACH WAY UNIT 251Sold · Apr ’26

$612,500

300 CINNAMON BEACH WAY UNIT 251 · same community

3 bd · 3 ba · 2,003 sqft · $306/sqft · 115 DOM

41 KINGFISHER LANESold · Jun ’26

$675,000

41 KINGFISHER LANE · same community

3 bd · 3 ba · 2,290 sqft · $295/sqft · 212 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 600 CINNAMON BEACH WAY UNIT 531 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 600 CINNAMON BEACH WAY UNIT 531 — 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.

Goes straight to David’s phone and CRM.

Straight answers

600 CINNAMON BEACH WAY UNIT 531 FAQs

What would the monthly payment be for 600 CINNAMON BEACH WAY UNIT 531?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,139/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 600 CINNAMON BEACH WAY UNIT 531?+

The most recent tax bill on record (2025) was $9,627. 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 600 CINNAMON BEACH WAY UNIT 531?+

The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $897,000, this home is listed about 127% 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 600 CINNAMON BEACH WAY UNIT 531?+

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

$897,000 runs 136% 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.

03Time on market is leverage

146 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.

04Strong 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.

05The price has already moved

Listed at $998,000, now $897,000 — a $101K cut. The full history is in the market section below.

Listing courtesy of HOMESMART · Judy Narde. MLS #FC316744.

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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