323 OCEAN CREST DRIVE, PALM COAST, FL, 32137
Active135 days on marketListed Mar 10, 2026MLS #FC316799
About this home
323 OCEAN CREST DRIVE
Welcome to 323 Ocean Crest Dr, a beautifully maintained coastal home located in the highly desirable Hammock area of Palm Coast. This spacious 3-bedroom, 3-bath residence offers over 2,400 square feet of comfortable living space just moments from the beach. The home features an open and inviting floor plan with abundant natural light, generous living and dining areas, and a well-appointed kitchen perfect for everyday living or entertaining. The primary suite provides a relaxing retreat with ample space and a private bath, while additional bedrooms offer flexibility for guests, family, or a home office. Enjoy the peaceful coastal lifestyle with nearby access to beaches, golf, scenic walking and biking paths, and the charm of the Hammock community. Conveniently located between Palm Coast and St. Augustine, with easy access to shopping, dining, and I-95, this home offers the perfect blend of comfort, location, and lifestyle.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,341
Sqft
0.14 ac
Lot size
2
Garage
2006
Year built
Three Or More
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$190 /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
$190/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 Palm Coast actives
$2 vs $222
Days on market
135 vs 47 typical
Where $2/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)
174 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 99% 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 323 OCEAN CREST DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$4,900,000
354 OCEAN CREST DRIVE · same community
5 bd · 6 ba · 6,117 sqft · $801/sqft · 0 DOM
Sold · Jul ’26$525,000
5 RIVER OAKS WAY
4 bd · 2 ba · 2,347 sqft · $224/sqft · 129 DOM
Sold · Jun ’26$675,000
41 KINGFISHER LANE
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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 323 OCEAN CREST DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 323 OCEAN CREST DRIVE — 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
323 OCEAN CREST DRIVE FAQs
What would the monthly payment be for 323 OCEAN CREST DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $190/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 323 OCEAN CREST DRIVE?+
The listing reports pets: No. 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 $4,200, this home is listed about 99% 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 323 OCEAN CREST DRIVE?+
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
Four things that matter here
01Under the PALM COAST 32137 market on paper
$4,200 is 99% below the PALM COAST 32137 median of $379,900, and at $2/sqft it sits under the Palm Coast average of $257.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
135 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.
Keep looking
Similar homes nearby
Listing courtesy of HAMMOCK REAL ESTATE GROUP · Laura Kulaga. MLS #FC316799.
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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