David Ramirez
$1,499,000$1,599,0006 bd3.5 ba3,507 sqft$427 /sqft$9,202 /mo all-in ↓

24 CINNAMON BEACH WAY, PALM COAST, FL, 32137

Active78 days on marketListed May 8, 2026MLS #FC317851

Reduced $100KNew constructionWaterfrontPrivate poolSingle Family ResidenceOCEAN HAMMOCK

Come see it

Upcoming open house

Sun, Jul 26

12:00 PM – 3:00 PM

About this home

24 CINNAMON BEACH WAY

Welcome to this exceptional brand-new custom-built coastal estate located within the highly sought-after gated oceanfront community of Cinnamon Beach, where modern luxury, refined craftsmanship, and effortless living come together in perfect harmony. Offering 6 spacious bedrooms and 4 beautifully designed bathrooms, this residence delivers the ideal blend of elegance, comfort, and versatility. Step inside to discover an expansive open-concept floor plan filled with natural light, soaring ceilings, designer finishes, and thoughtfully curated details throughout. The gourmet chef’s kitchen serves as the centerpiece of the home, showcasing sleek custom cabinetry, premium stainless steel appliances, an oversized center island, and abundant prep and storage space — perfectly designed for both intimate gatherings and large-scale entertaining. The living and dining spaces flow seamlessly together, creating an inviting atmosphere that is both sophisticated and relaxed. Dramatic collapsing sliding glass doors disappear completely, blending the indoor and outdoor living spaces into one breathtaking coastal retreat. Outside, the expansive covered lanai overlooks your private resort-style pool and tranquil water views, offering the perfect setting to unwind while enjoying refreshing ocean breezes and Florida’s year-round lifestyle. The luxurious primary suite is a true sanctuary, featuring a spa-inspired bath complete with a soaking tub, oversized walk-in shower, dual vanities, and elevated designer finishes throughout. Located just steps from the beach and Cinnamon Beach’s exceptional resort-style amenities, residents enjoy access to oceanfront pools, a fitness center, clubhouse, game room, seasonal grille, and direct beach access — all within one of Palm Coast’s premier coastal communities. Beautifully designed for the way you live, this exceptional property is perfectly suited as a full-time residence, luxury vacation home, or premium short-term rental investment opportunity. Schedule your private showing today and experience coastal luxury at its finest!

Facts & features

The home at a glance

6

Bedrooms

3.5

Bathrooms

3,507

Sqft

0.15 ac

Lot size

2

Garage

2026

Year built

Two

Levels

$427

Per sqft

Private poolWaterfrontWater viewPets allowed

Inside

FlooringCarpet · Luxury Vinyl
AppliancesCooktop · Dishwasher · Disposal · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Open Floorplan · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesWest
ExteriorBalcony

Community & fees

HOA fee$193/mo
Taxes (2025)$2,385/yr
PetsCats OK, Dogs OK, Number Limit, Yes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

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.

$9,202 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$8,089
PMI (est., until 20% equity)$562
Property tax — 2025 actual bill$199
HOA fee — from the listing$193
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $149,900Loan30-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% · $149,900
Interest rate6.00%
Loan term

Estimated payment

$9,202/mo

Principal & interest$8,089
PMI (est., until 20% equity)$562
Property taxes (actual bill)$199
HOA / condo fee$193
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.

$/sqft vs OCEAN HAMMOCK

$427 vs $446

Days on market

78 vs 47 typical

Where $427/sqft sits among the 28 homes for sale in OCEAN HAMMOCK

10
9 · this home
4
1
1
3
$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 24 CINNAMON BEACH WAY

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)

14 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 294% above the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,499,000 $100K
May 8, 2026Listed at $1,599,000 · 78 days on market since
2026Built · OCEAN HAMMOCK

Reality check

What actually sold near 24 CINNAMON BEACH WAY

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

23 SANDPIPER LANESold · Jul ’25

$1,050,000

23 SANDPIPER LANE · same community

3 bd · 3.5 ba · 3,457 sqft · $304/sqft · 27 DOM

10 HAMMOCK BEACH CIRCLE SSold · May ’26

$1,984,500

10 HAMMOCK BEACH CIRCLE S · same community

4 bd · 3.5 ba · 3,562 sqft · $557/sqft · 97 DOM

3 FLAGSHIP DRIVESold · Feb ’26

$924,000

3 FLAGSHIP DRIVE · same community

3 bd · 2.5 ba · 3,666 sqft · $252/sqft · 117 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 24 CINNAMON BEACH WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 24 CINNAMON BEACH WAY — 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

24 CINNAMON BEACH WAY FAQs

What would the monthly payment be for 24 CINNAMON BEACH WAY?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,202/mo — principal and interest, the actual property-tax bill, the $193/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 24 CINNAMON BEACH WAY?+

The association fee works out to $193 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 24 CINNAMON BEACH WAY?+

The most recent tax bill on record (2025) was $2,385. 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 24 CINNAMON BEACH WAY?+

The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $1,499,000, this home is listed about 279% 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 24 CINNAMON BEACH WAY?+

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

01Positioned at the premium end

$1,499,000 runs 294% above the PALM COAST 32137 median — but at 3,507 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.

03Strong 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.

04The price has already moved

Listed at $1,599,000, now $1,499,000 — a $100K cut. The full history is in the market section below.

Listing courtesy of HAMMOCK REAL ESTATE GROUP · Shelley DeVito. MLS #FC317851.

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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