900 CINNAMON BEACH WAY UNIT 822, PALM COAST, FL, 32137
Active77 days on marketListed May 17, 2026MLS #FC318596
About this home
900 CINNAMON BEACH WAY UNIT 822
Enjoy the breeze and catch some rays at this income-generating oceanfront Cinnamon Beach condo with loads of five star reviews and happy repeat renters! Owners have refreshed this condo inside and out, including just-purchased fresh linens, new furniture, coastal-inspired artwork, and a BRAND NEW HVAC, just to name a few! Conveniently located on the second floor, your eyes are immediately drawn outside when stepping in the front door to the blue waters of the Atlantic Ocean. The covered balcony provides the perfect place for your morning coffee with the sunrise, meals any time of day, or just a place to relax with a good book. The well-equipped kitchen is located central to the home, featuring granite countertops, light wood stained cabinets, stainless steel appliances, breakfast bar, and a dedicated pantry space. The adjacent dining room allows for easy entertaining and flow to the living room. A large sectional provides plenty of room for socializing or cozying up for some movie time after a day at the beach. The Primary Suite is strategically located for easy balcony slider access and of course, those sweeping ocean views! Current owners have remodeled the primary shower, providing coastal luxury AND giving you an additional closet space! Two additional bedrooms have been thoughtfully planned to maximize guest experience and comfort - one King bedroom and another bedroom with a queen bed AND twin with twin trundle! Need access to laundry - no problem with the washer and dryer right in the unit! Other features include full tile flooring (NO carpet), ceiling fans, smart TVs, upgraded lighting, and is being sold fully furnished providing a turnkey experience for your personal use or as a proven income-generating property - allowing short term rentals and with rentals on the books! The 900 building is located right next to the beach boardwalk, making it just steps to the cinnamon sands! Cinnamon Beach offers expansive beach frontage, an oceanfront pool and lakeside family pool, seasonal snack bar, well-equipped gym, game room and more. Building features an elevator and under-building and lot parking. 24-hour manned security gate and access control. Ready for your next oceanfront adventure? This is the place!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,682
Sqft
0.3 ac
Lot size
2003
Year built
One
Levels
$473
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.
$5,741 /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
$5,741/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
+6.5%
$/sqft vs OCEAN HAMMOCK
$473 vs $439
Days on market
77 vs 47 typical
Where $473/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)
13 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 109% 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 900 CINNAMON BEACH WAY UNIT 822
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$410,000
1100 CINNAMON BEACH WAY UNIT 1062 · same community
3 bd · 2 ba · 1,682 sqft · $244/sqft · 153 DOM
Sold · Aug ’25$515,000
1200 CINNAMON BEACH WAY UNIT 1142 · same community
3 bd · 2 ba · 1,682 sqft · $306/sqft · 80 DOM
Sold · Sep ’25$780,000
900 CINNAMON BEACH WAY UNIT 862 · same community
3 bd · 2 ba · 1,682 sqft · $464/sqft · 482 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 900 CINNAMON BEACH WAY UNIT 822 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 900 CINNAMON BEACH WAY UNIT 822 — 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
900 CINNAMON BEACH WAY UNIT 822 FAQs
What would the monthly payment be for 900 CINNAMON BEACH WAY UNIT 822?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,741/mo — principal and interest, the actual property-tax bill, the $163/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 900 CINNAMON BEACH WAY UNIT 822?+
The association fee works out to $163 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 900 CINNAMON BEACH WAY UNIT 822?+
The most recent tax bill on record (2025) was $9,960. 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 900 CINNAMON BEACH WAY UNIT 822?+
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 $795,000, this home is listed about 101% 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 900 CINNAMON BEACH WAY UNIT 822?+
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
Three things that matter here
01Positioned at the premium end
$795,000 runs 109% 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.
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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ST. JOHNS · Kim Robertson. MLS #FC318596.
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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