David Ramirez
$1,949,0006 bd5.5 ba3,858 sqft$505 /sqft$13,114 /mo all-in ↓

501 CINNAMON BEACH LANE, PALM COAST, FL, 32137

Active51 days on marketListed Jun 13, 2026MLS #FC319171

Private poolSingle Family ResidenceOCEAN HAMMOCK

About this home

501 CINNAMON BEACH LANE

Experience coastal luxury at its finest in this beautifully renovated beachside residence located at 501 Cinnamon Beach Lane in the highly sought-after community of Cinnamon Beach community at Ocean Hammock. Ideally positioned directly across from the beach walkover and just steps from the community's resort-style amenities, this exceptional six-bedroom, five-and-a-half-bath home offers the ultimate blend of modern elegance, functionality, and relaxed coastal living. Extensively remodeled in 2025, the home showcases sophisticated finishes and thoughtfully designed living spaces across three levels, all connected by a private elevator. The stunning renovated kitchen serves as the heart of the home, featuring custom white cabinetry, quartz countertops, stainless steel appliances, a striking coastal-inspired tile backsplash, and an expansive island perfect for gathering and entertaining. Open-concept living and dining areas are filled with natural light and seamlessly extend to outdoor living spaces, including a front balcony with ocean views and refreshing sea breezes. Designed to comfortably accommodate family and guests, the home offers six spacious bedrooms. The second floor includes a guest suite with a king bed and full bath, while the third-floor retreat features the luxurious primary suite complete with a private balcony, spa-inspired bath with soaking tub, walk-in shower, dual vanities, and peaceful views accompanied by the sounds of the Atlantic Ocean. Three additional guest bedrooms are also located on the upper level, creating a dedicated private retreat for family and visitors. A sixth bedroom on the first floor provides additional flexibility and privacy. The first level is designed for entertainment and relaxation, featuring a spacious recreation area with a wet bar and beverage refrigerator, and direct access to the backyard oasis. Outside, enjoy your own private tropical retreat with a heated resort-style pool and spa surrounded by lush landscaping and expansive paver decking. An outdoor shower, multiple balconies, and generous outdoor living spaces further enhance the home's coastal appeal. Residents of Cinnamon Beach enjoy exclusive access to exceptional amenities, including oceanfront and lakeside pools, a fitness center, game room, seasonal café, private beach access, and miles of pristine Atlantic coastline. Whether you're seeking a primary residence, luxury vacation home, or exceptional rental property, this turnkey coastal retreat delivers an unparalleled Florida lifestyle in one of Palm Coast's premier oceanfront communities. Excellent rental history through Cinnamon Beach Vacations! Ask about rental program incentive. Don't delay!

Facts & features

The home at a glance

6

Bedrooms

5.5

Bathrooms

3,858

Sqft

0.14 ac

Lot size

2

Garage

2012

Year built

Three Or More

Levels

$505

Per sqft

Private poolNegotiablePets allowed

Inside

FlooringTile
AppliancesConvection Oven · Cooktop · Dishwasher · Disposal · Dryer · Freezer · Ice Maker · Microwave · Other · Range Hood · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Elevator
LaundryInside
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
FacesEast
ExteriorLighting · Other

Community & fees

HOA fee$193/mo
Taxes (2025)$18,157/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Available · Electricity Connected · Sewer Available · Sewer Connected · 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.

$13,114 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$10,517
PMI (est., until 20% equity)$731
Property tax — 2025 actual bill$1,513
HOA fee — from the listing$193
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $194,900Loan30-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% · $194,900
Interest rate6.00%
Loan term

Estimated payment

$13,114/mo

Principal & interest$10,517
PMI (est., until 20% equity)$731
Property taxes (actual bill)$1,513
HOA / condo fee$193
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

$505 vs $439

Days on market

51 vs 47 typical

Where $505/sqft sits among the 27 homes for sale in OCEAN HAMMOCK

9
10
3 · this home
1
2
2
$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 501 CINNAMON BEACH LANE

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)

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 411% above the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

Jun 13, 2026Listed at $1,949,000 · 51 days on market since
2012Built · OCEAN HAMMOCK

Reality check

What actually sold near 501 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.

55 CINNAMON BEACH WAYSold · Apr ’26

$1,245,000

55 CINNAMON BEACH WAY · same community

5 bd · 4.5 ba · 3,770 sqft · $330/sqft · 5 DOM

24 KINGFISHER LNSold · May ’26

$735,000

24 KINGFISHER LN · same community

4 bd · 3.5 ba · 3,770 sqft · $195/sqft · 206 DOM

49 HAMMOCK BEACH CIRCLE SSold · Nov ’25

$2,050,000

49 HAMMOCK BEACH CIRCLE S · same community

4 bd · 4.5 ba · 3,683 sqft · $557/sqft · 216 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 501 CINNAMON BEACH LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 501 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.

Goes straight to David’s phone and CRM.

Straight answers

501 CINNAMON BEACH LANE FAQs

What would the monthly payment be for 501 CINNAMON BEACH LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,114/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 501 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 501 CINNAMON BEACH LANE?+

The most recent tax bill on record (2025) was $18,157. 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 501 CINNAMON BEACH LANE?+

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 $1,949,000, this home is listed about 393% 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 501 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

Three things that matter here

01Positioned at the premium end

$1,949,000 runs 411% above the PALM COAST 32137 median — but at 3,858 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.

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 HAMMOCK REAL ESTATE GROUP · Luke O'Reilly. MLS #FC319171.

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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