David Ramirez
$1,870,0004 bd4.5 ba4,643 sqft$403 /sqft$11,223 /mo all-in ↓

18 HAMMOCK BEACH PARKWAY, PALM COAST, FL, 32137

Active54 days on marketListed Jun 1, 2026MLS #FC318944

Private poolSingle Family ResidenceOCEAN HAMMOCK

About this home

18 HAMMOCK BEACH PARKWAY

Spanning 4,643 square feet, this 4-bedroom, 4.5-bath Ocean Hammock residence provides the space, layout, and flexibility to comfortably accommodate both family life and entertaining. A paver driveway, mature landscaping, natural shade, and a tile roof create an inviting arrival. French doors open to an interior filled with natural light, soaring ceilings, and luxury vinyl plank flooring throughout the main level. The living room serves as the centerpiece of the home, featuring a gas fireplace and an abundance of windows that bring the outdoors in. The kitchen offers generous workspace and storage with a large center island, granite countertops, extensive cabinetry, stainless steel appliances, a gas cooktop with exhaust hood, beverage refrigerator, and casual dining area. A formal dining room provides additional space for family gatherings and special occasions. A first-floor guest suite includes a walk-in tiled shower and direct access to the pool area. Also on the main level is a large bonus room well-suited as a media room, game room, or flexible living space, along with a separate office, half bath, and laundry corridor featuring built-in shelving, utility sink, and access to the garage. The recently refinished wood staircase leads upstairs to the primary suite, where tray ceilings, plush carpeting, a gas fireplace, and private balcony overlook the pool and golf course. The spacious bathroom includes dual vanities, a jetted soaking tub, walk-in tiled shower, ample storage, and a large custom walk-in closet with built-in shelving and drawers. Two additional guest bedrooms are located upstairs, including one with an en-suite bathroom and private balcony. A fourth full bathroom serves the remaining bedroom and guests, while an additional laundry hookup provides added convenience. Outdoor living is anchored by the saltwater pool and spa, recently resurfaced and enhanced with a new gas heater and pump. The expansive paver pool deck provides ample space for lounging and gathering, while the outdoor kitchen and multiple seating areas create a setting equally suited for quiet evenings or larger get-togethers. The fully fenced backyard adds privacy and flexibility for family, guests, and pets. Recent improvements include luxury vinyl plank flooring throughout the first floor, refinished wood flooring on the staircase and upstairs hallway, replacement of one of the home's two HVAC systems, a climate-controlled garage with new mini-split system, epoxy-coated floors, built-in storage cabinets and workbench, updated dishwasher and beverage refrigerator, replacement of exterior decorative lighting, new balcony railings, and Rhino Shield exterior coating with a transferable warranty. Additional features include propane service for the pool and fireplaces, ADT security, and AT&T high-speed internet wiring throughout the home. With multiple living areas and generous outdoor space, this home offers a setting well suited for both everyday living and entertaining. Membership at The Club at Hammock Beach provides access to multiple pools, including a lazy river and waterslide, a full-service spa, fitness center, tennis and pickleball courts, two championship golf courses, and a variety of dining venues, creating opportunities for recreation and gathering just moments from home.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

4,643

Sqft

0.22 ac

Lot size

2

Garage

2008

Year built

Two

Levels

$403

Per sqft

Private poolFireplaceTrees/Woods viewNegotiablePets allowed

Inside

FlooringCarpet · Tile · Vinyl · Hardwood
AppliancesDishwasher · Microwave · Range · Range Hood · Refrigerator · Wine Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Thermostat · Tray Ceiling(s) · Vaulted Ceiling(s) · Window Treatments
LaundryCorridor Access · Inside · Laundry Room
CoolingCentral Air
HeatingElectric · Heat Pump
FurnishedNegotiable

Outside & construction

RoofConcrete · Tile
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewTrees/Woods
FacesNorthwest
ExteriorBalcony · French Doors · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Sidewalk · Sliding Doors

Community & fees

HOA fee$223/mo
Taxes (2025)$580/yr
PetsYes
CommunityClubhouse · Gated Community - Guard · Golf Carts OK · Golf · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Available · Electricity Connected · Phone Available · Public · Sewer Available · Sewer Connected · Underground Utilities · Water Available · 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.

$11,223 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$10,090
PMI (est., until 20% equity)$701
Property tax — 2025 actual bill$48
HOA fee — from the listing$223
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $187,000Loan30-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% · $187,000
Interest rate6.00%
Loan term

Estimated payment

$11,223/mo

Principal & interest$10,090
PMI (est., until 20% equity)$701
Property taxes (actual bill)$48
HOA / condo fee$223
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

$403 vs $448

Days on market

54 vs 47 typical

Where $403/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 18 HAMMOCK BEACH PARKWAY

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)

15 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 392% above the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

Jun 1, 2026Listed at $1,870,000 · 54 days on market since
2008Built · OCEAN HAMMOCK

Reality check

What actually sold near 18 HAMMOCK BEACH PARKWAY

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

9 NORTHSHORE DRIVESold · Jun ’26

$1,700,000

9 NORTHSHORE DRIVE · same community

5 bd · 5 ba · 4,906 sqft · $347/sqft · 36 DOM

7 CINNAMON BEACH WAYSold · Mar ’26

$1,350,000

7 CINNAMON BEACH WAY · same community

6 bd · 6 ba · 4,231 sqft · $319/sqft · 12 DOM

34 HAMMOCK BEACH CIRCLE SSold · Jul ’26

$3,200,000

34 HAMMOCK BEACH CIRCLE S · same community

6 bd · 5 ba · 5,324 sqft · $601/sqft · 245 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 18 HAMMOCK BEACH PARKWAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 18 HAMMOCK BEACH PARKWAY — 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

18 HAMMOCK BEACH PARKWAY FAQs

What would the monthly payment be for 18 HAMMOCK BEACH PARKWAY?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,223/mo — principal and interest, the actual property-tax bill, the $223/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 18 HAMMOCK BEACH PARKWAY?+

The association fee works out to $223 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 18 HAMMOCK BEACH PARKWAY?+

The most recent tax bill on record (2025) was $580. 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 18 HAMMOCK BEACH PARKWAY?+

The listing reports pets: 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 $1,870,000, this home is listed about 373% 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 18 HAMMOCK BEACH PARKWAY?+

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

$1,870,000 runs 392% above the PALM COAST 32137 median — but at 4,643 sqft it's also nearly 2 times 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.

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.

Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Carlene Reardon. MLS #FC318944.

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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