15 OCEAN CREST WAY UNIT 1312, PALM COAST, FL, 32137
Active49 days on marketListed Jun 14, 2026MLS #FC319267
About this home
15 OCEAN CREST WAY UNIT 1312
SUMMER SPECIAL $18,000 credit towards BEACH CLUB MEMBERSHIP paid by seller at closing. Light and airy. Bright and breezy. This newly updated condo offers comfort and luxury through out. Redesigned master bath includes NEW free standing spa style soaker tub, NEW walk in rain shower, NEW dove gray vanities and NEW Stratford porcelain designer tile. ALL NEW KITCHEN appliances include matching french four-door refrigerator, electric convection range, dishwasher, and air fry microwave. 2025 water heater. 2019 HVAC. Optional full membership at the Club at Hammock Beach, host of the 2026 FURYK & FRIENDS PGA Tour event, includes two Jack Nicklaus & Tom Watson designed world class GOLF COURSES, the breathtaking Ocean Course and the Championship Conservatory course, PLUS membership includes private beach access, beach chair set-up, multi level pool complex, slide and lazy river, cabana rentals, miniature golf, bicycles, indoor pool, lap lanes, jacuzzi, full service spa, steam rooms, fitness classes, gym equipment, tennis, pickleball, marina, three culinary restaurants plus pizza, pub, and gelato. This highly sought after three bedroom, prior rental villa, comfortably sleeps six and offers HALF OFF monthly dues when in the rental program. FURNISHINGS AVAILABLE. Club amenities require membership. LOCATED just 90 min. to DISNEY, 75 min. to Jacksonville airport, 60 min. to St. John Town Center, and 40 min. to Daytona airport. Owner is FL and GA licensed realtor.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,264
Sqft
0.67 ac
Lot size
1
Garage
2005
Year built
One
Levels
$362
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.
$4,436 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,436/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−7.6%
$/sqft vs NORTHSHORE 05
$362 vs $464
Days on market
49 vs 47 typical
Where $362/sqft sits among the 19 homes for sale in NORTHSHORE 05
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)
5 of 19
NORTHSHORE 05 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% 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 15 OCEAN CREST WAY UNIT 1312
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$410,000
5 OCEAN CREST WAY UNIT 1432 · same community
3 bd · 2 ba · 1,264 sqft · $324/sqft · 53 DOM
Sold · Apr ’26$725,000
200 OCEAN CREST DRIVE UNIT 707 · same community
3 bd · 3 ba · 1,676 sqft · $433/sqft · 109 DOM
Sold · Mar ’26$670,000
200 OCEAN CREST DRIVE UNIT 515 · same community
3 bd · 3 ba · 1,676 sqft · $400/sqft · 383 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 15 OCEAN CREST WAY UNIT 1312 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15 OCEAN CREST WAY UNIT 1312 — 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
15 OCEAN CREST WAY UNIT 1312 FAQs
What would the monthly payment be for 15 OCEAN CREST WAY UNIT 1312?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,436/mo — principal and interest, the actual property-tax bill, the $1,016/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 15 OCEAN CREST WAY UNIT 1312?+
The association fee works out to $1,016 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 15 OCEAN CREST WAY UNIT 1312?+
The most recent tax bill on record (2025) was $4,336. 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 15 OCEAN CREST WAY UNIT 1312?+
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 $458,000, this home is listed about 16% 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 15 OCEAN CREST WAY UNIT 1312?+
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
$458,000 runs 21% above the PALM COAST 32137 median.
02Know the monthly fee
The association fee is $1,016/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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 EXP REALTY LLC · Kimberly Wicknertz. MLS #FC319267.
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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