200 OCEAN CREST DRIVE UNIT 137, PALM COAST, FL, 32137
Active35 days on marketListed Jun 25, 2026MLS #FC319523
About this home
200 OCEAN CREST DRIVE UNIT 137
The Smartest Square Footage in Palm Coast — A First-Floor Investment That Already Pays For Itself Forget the cookie-cutter listings flooding the market. This isn't just a 1-bedroom, 1-bath condo — it's a turnkey income machine sitting inside one of Northeast Florida's most coveted resort communities, The Club at Hammock Beach. This first-floor residence overlooks tranquil lake views and stands apart from nearly every comparable unit on the market thanks to luxury vinyl plank flooring throughout — no worn carpet, no dated transitions, just clean, durable, move-in (or rent-out) ready living. The unit comes fully furnished and is complete with a proven rental history — meaning the income engine is already running before you even close. Here's what most buyers don't realize: ownership here unlocks access to an optional private membership at The Club at Hammock Beach, and that membership is the real prize. Members gain entry to many dining outlets — including Delfinos Italian Chophouse, Loggerheads Sports Pub and Stix Authentic Sushi — two award-winning golf courses designed by Jack Nicklaus and Tom Watson, eight lighted clay tennis courts, a full-service spa and a 91,000-square-foot Fantasy Pool Complex featuring an indoor lap pool, lazy river, winding waterslide, and private onsite beach access. Membership also allows the rental income to continue as membership is required to be part of the rental program. This is more than a condo. It's a passport to a lifestyle most people only experience on vacation.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
678
Sqft
0 ac
Lot size
2003
Year built
One
Levels
$469
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.
$3,070 /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
$3,070/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
−5.7%
$/sqft vs Palm Coast actives
$469 vs $218
Days on market
35 vs 47 typical
Where $469/sqft sits among the 400 Palm Coast actives
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)
172 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% below the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 200 OCEAN CREST DRIVE UNIT 137
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$288,000
200 OCEAN CREST DRIVE UNIT 726 · same community
1 bd · 1 ba · 678 sqft · $425/sqft · 174 DOM
Sold · Dec ’25$318,500
200 OCEAN CREST DRIVE UNIT 624 · same community
1 bd · 1 ba · 678 sqft · $470/sqft · 2 DOM
Sold · Mar ’26$350,000
15 OCEAN CREST WAY UNIT 1315 · same community
3 bd · 2 ba · 1,696 sqft · $206/sqft · 5 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 200 OCEAN CREST DRIVE UNIT 137 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 200 OCEAN CREST DRIVE UNIT 137 — 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
200 OCEAN CREST DRIVE UNIT 137 FAQs
What would the monthly payment be for 200 OCEAN CREST DRIVE UNIT 137?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,070/mo — principal and interest, the actual property-tax bill, the $578/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 200 OCEAN CREST DRIVE UNIT 137?+
The association fee works out to $578 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 200 OCEAN CREST DRIVE UNIT 137?+
The most recent tax bill on record (2025) was $3,837. 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 200 OCEAN CREST DRIVE UNIT 137?+
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 $318,000, this home is listed about 19% below the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 200 OCEAN CREST DRIVE UNIT 137?+
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
Four things that matter here
01Under the PALM COAST 32137 market on paper
$318,000 is 17% below the PALM COAST 32137 median of $384,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $578/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong 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 COASTAL GATEWAY REAL ESTATE GR · Andrew Kalcounos. MLS #FC319523.
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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