4220 N OCEAN SHORE BOULEVARD, PALM COAST, FL, 32137
Active56 days on marketListed Jun 9, 2026MLS #FC319140
About this home
4220 N OCEAN SHORE BOULEVARD
Exceptional Waterfront Residential/Commercial Opportunity in The Hammock! Nestled in the heart of The Hammock along scenic A1A in Palm Coast, this rare 0.78-acre waterfront property offers an incredible blend of residential comfort and commercial potential. Featuring 100 feet of frontage on Fox Canal—with direct access to the Intracoastal Waterway in just minutes—and 100 feet of frontage on A1A, this prime location is truly one of a kind. The property features a private gated entrance, oversized new paved driveway, a charming main residence, and a separate guest house. The main home offers 3 bedrooms, 2 baths, a spacious family room, dining room, kitchen, breakfast nook, and an expansive Florida room lined with French doors overlooking a peaceful, park-like backyard shaded by magnificent mature oak trees. Recent updates include a 2015 roof, 2022 water heater, and 2016 HVAC system. The guest house includes a living room, kitchen, 2 bedrooms, 1 fully renovated bath, and a new stackable washer and dryer. HVAC was replaced in 2021. Whether you're envisioning a private waterfront retreat, a home-based business, multi-generational living, or an income-producing investment with short-term rental potential, the possibilities are endless. Enjoy tranquil canal views, frequent visits from manatees and dolphins, and easy access to boating, beaches, dining, and shopping. Conveniently located near Hammock Beach, Hammock Dunes, Yacht Harbor Village, Washington Oaks Gardens State Park, Jungle Hut Beach, Flagler Beach, and just 25 minutes from St. Augustine or Daytona Beach. Location, Lifestyle, and Limitless Potential—this waterfront gem is ready for your vision.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,787
Sqft
0.78 ac
Lot size
2
Garage
1990
Year built
One
Levels
$341
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.
$6,375 /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
$6,375/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
+1.2%
$/sqft vs NONE
$341 vs $339
Days on market
56 vs 52 typical
Where $341/sqft sits among the 270 homes for sale in NONE
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
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
103 of 270
NONE have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 149% 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 4220 N OCEAN SHORE BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$311,760
7320 MARLO ROAD · same community
3 bd · 3 ba · 2,584 sqft · $121/sqft · 78 DOM
Sold · Jan ’26$410,000
301 CLARK STREET · same community
4 bd · 4 ba · 2,582 sqft · $159/sqft · 204 DOM
Sold · Dec ’25$111,000
517 CENTRAL AVENUE SE · same community
4 bd · 1.5 ba · 2,521 sqft · $44/sqft · 28 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 4220 N OCEAN SHORE BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4220 N OCEAN SHORE BOULEVARD — 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
4220 N OCEAN SHORE BOULEVARD FAQs
What would the monthly payment be for 4220 N OCEAN SHORE BOULEVARD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,375/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 4220 N OCEAN SHORE BOULEVARD?+
The most recent tax bill on record (2025) was $8,865. 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 4220 N OCEAN SHORE BOULEVARD?+
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 $949,000, this home is listed about 137% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4220 N OCEAN SHORE BOULEVARD?+
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
$949,000 runs 149% above the PALM COAST 32137 median — but at 2,787 sqft it's also 47% larger than 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.
Keep looking
Similar homes nearby
Listing courtesy of EXIT REALTY FIRST CHOICE · Liliana Escobar. MLS #FC319140.
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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