55 OCEAN CREST WAY UNIT 922, PALM COAST, FL, 32137
Active92 days on marketListed Apr 24, 2026MLS #FC317863
About this home
55 OCEAN CREST WAY UNIT 922
Rare Hammock villa with private 2-car garage, beautifully updated and move-in ready. This light-filled 3-bedroom, 2-bath residence with an additional half bath offers 1,859 square feet and lives like a home with 10’ ceilings, private elevator access, and an exclusive setting of only two residences per floor (just six in the building). Recent updates include luxury vinyl plank flooring throughout, a completely repainted interior, new stainless steel kitchen appliances, new ceiling fans, updated faucets and plumbing fixtures, all new toilets, new garbage disposal, and a WiFi-enabled smart thermostat. The living area features a custom dry bar with wine fridge, and the home includes draperies and wood blinds. The private 2-car garage is enhanced with an epoxy-coated floor, a rare and highly desirable feature in the Hammock. Enjoy a spacious covered balcony overlooking the lake and golf course, with abundant natural light and refreshing ocean breezes. This property offers flexibility as a primary residence, vacation home, or investment opportunity through the resort rental program. Optional membership provides access to exceptional amenities including two championship golf courses, multiple resort-style pools, oceanfront access to the Atlantic, several dining venues including new pizza and gelato offerings, and tennis facilities. A rare opportunity to own a turn-key villa with garage in the Hammock, combining privacy, updates, and resort-style living.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,859
Sqft
0.27 ac
Lot size
2
Garage
2003
Year built
One
Levels
$374
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 — not generic estimates.
$4,829 /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
$4,829/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
−16.5%
$/sqft vs NORTHSHORE 05
$374 vs $465
Days on market
92 vs 47 typical
Where $374/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 83% 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 55 OCEAN CREST WAY UNIT 922
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$840,000
200 OCEAN CREST DRIVE UNIT 513 · same community
3 bd · 3 ba · 1,818 sqft · $462/sqft · 10 DOM
Sold · Mar ’26$500,000
5 OCEAN CREST WAY UNIT 1431 · same community
3 bd · 2 ba · 1,696 sqft · $295/sqft · 44 DOM
Sold · Apr ’26$725,000
200 OCEAN CREST DRIVE UNIT 707 · same community
3 bd · 3 ba · 1,676 sqft · $433/sqft · 109 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 55 OCEAN CREST WAY UNIT 922 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 55 OCEAN CREST WAY UNIT 922 — 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
55 OCEAN CREST WAY UNIT 922 FAQs
What would the monthly payment be for 55 OCEAN CREST WAY UNIT 922?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,829/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 55 OCEAN CREST WAY UNIT 922?+
The most recent tax bill on record (2025) was $7,825. 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 55 OCEAN CREST WAY UNIT 922?+
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 $696,000, this home is listed about 76% 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 55 OCEAN CREST WAY UNIT 922?+
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
$696,000 runs 83% above the PALM COAST 32137 median.
02Golf Course & Water views
The golf course and water view is part of what you're buying — views hold value independently of the structure.
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 $760,000, now $696,000 — a $64K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ONE SOTHEBYS INTERNATIONAL · Karla Goodman. MLS #FC317863.
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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