546 CINNAMON BEACH LANE, PALM COAST, FL, 32137
Active95 days on marketListed Apr 30, 2026MLS #FC317986
About this home
546 CINNAMON BEACH LANE
Luxury Ocean-View Living in Cinnamon Beach Experience elevated coastal living in this newly built 3-story residence offering stunning ocean and lake views, just steps from the beach and resort-style amenities. Thoughtfully designed for both comfort and style, the home features a private fenced backyard with a heated pool and spa—perfect for enjoying Florida’s year-round lifestyle. Inside, enjoy effortless access to all levels via private elevator, complemented by soaring 12-foot ceilings, luxury vinyl plank flooring, and sleek modern railings. The chef’s kitchen is a true centerpiece, showcasing quartz countertops, an oversized 8-foot island with pop-up charging station, and premium appliances including a Sub-Zero refrigerator, Café appliance suite, induction cooktop, and double-drawer island refrigerator. Designed with modern living in mind, the home includes 3-zone HVAC, whole-home dehumidification, alarm system, CAT6 wiring, and WiFi access points on every level. Each bedroom is a private suite with its own bath and walk-in shower, while the primary retreat offers a spa-like experience with soaking tub and Toto Washlet. Additional features include an oversized 2-car garage with EV charger, a spacious laundry room with stainless steel dog-washing station, mud room, floor outlets in the main living area, and select touchless fixtures throughout. With no minimum rental restrictions, this property presents an exceptional opportunity as a luxury coastal retreat, income-producing investment, or both.
Facts & features
The home at a glance
4
Bedrooms
5.5
Bathrooms
4,016
Sqft
0.18 ac
Lot size
2
Garage
2025
Year built
Three Or More
Levels
$709
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.
$17,176 /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
$17,176/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.
$/sqft vs OCEAN HAMMOCK
$709 vs $439
Days on market
95 vs 47 typical
Where $709/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 645% 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 546 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 · Mar ’26$1,350,000
7 CINNAMON BEACH WAY · same community
6 bd · 6 ba · 4,231 sqft · $319/sqft · 12 DOM
Sold · Apr ’26$1,245,000
55 CINNAMON BEACH WAY · same community
5 bd · 4.5 ba · 3,770 sqft · $330/sqft · 5 DOM
Sold · May ’26$735,000
24 KINGFISHER LN · same community
4 bd · 3.5 ba · 3,770 sqft · $195/sqft · 206 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 546 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 546 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
546 CINNAMON BEACH LANE FAQs
What would the monthly payment be for 546 CINNAMON BEACH LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $17,176/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 546 CINNAMON BEACH LANE?+
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 546 CINNAMON BEACH LANE?+
The most recent tax bill on record (2025) was $4,614. 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 546 CINNAMON BEACH LANE?+
The listing reports pets: Cats OK, Dogs OK, 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 $2,848,500, this home is listed about 621% 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 546 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
Four things that matter here
01Positioned at the premium end
$2,848,500 runs 645% above the PALM COAST 32137 median — but at 4,016 sqft it's also nearly twice the size of the typical Palm Coast listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
95 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 · Shelley DeVito. MLS #FC317986.
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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