355 OCEAN CREST DRIVE, PALM COAST, FL, 32137
Active266 days on marketListed Oct 31, 2025MLS #O6357048
About this home
355 OCEAN CREST DRIVE
Walking distance to the Hammock Beach!!! Experience resort-style living at 355 Ocean Crest Drive, an elegant 3-story residence in the exclusive Hammock Beach community. Offering nearly 4,000 sq ft of refined living space, this home blends timeless design with modern comforts and breathtaking views. Inside, you’ll find 3 bedrooms, 3.5 baths, an elevator, and open living areas designed for both entertaining and relaxation. The top-floor master suite includes a private sitting area, a wet bar, a bonus room to be used as a home office or as you wish, spacious walk-in closets, and serene ocean and golf course views. Step outdoors to your private paradise: a heated saltwater pool with spa, summer kitchen, and multiple covered patios perfect for al fresco dining and sunset gatherings. Overlooking the Jack Nicklaus–designed golf course and with lake frontage, the home offers a rare combination of golf, water, and coastal living. Best of all, it’s just a short walk to the beach, oceanfront dining, and local restaurants, which makes every day feel like vacation. Additional highlights include a 2-car garage, hurricane shutters, block/stucco construction, and HOA-maintained grounds. Residents enjoy direct access to the beach, and if desired, may enroll in Hammock Beach Club membership options: Full 2 Golf courses option (including the well-known Ocean Course, also known as Jack Nicklaus Ocean Course) + Beach Club or Beach Club Social only. Membership is required for use of the resort amenities and golf course. Details available upon request. This is more than a home — it’s a coastal retreat designed for those who seek the ultimate Florida lifestyle.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
3,991
Sqft
0.18 ac
Lot size
2
Garage
2013
Year built
Three Or More
Levels
$600
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.
$15,877 /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
$15,877/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.
$/sqft vs Palm Coast actives
$600 vs $221
Days on market
266 vs 47 typical
Where $600/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)
177 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 530% 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 355 OCEAN CREST DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$1,200,000
68 OAK VIEW CIRCLE W
4 bd · 3.5 ba · 3,780 sqft · $317/sqft · 1 DOM
Sold · May ’26$735,000
24 KINGFISHER LN
4 bd · 3.5 ba · 3,770 sqft · $195/sqft · 206 DOM
Sold · Feb ’26$924,000
3 FLAGSHIP DRIVE
3 bd · 2.5 ba · 3,666 sqft · $252/sqft · 117 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 355 OCEAN CREST DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 355 OCEAN CREST DRIVE — 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
355 OCEAN CREST DRIVE FAQs
What would the monthly payment be for 355 OCEAN CREST DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,877/mo — principal and interest, the actual property-tax bill, the $217/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 355 OCEAN CREST DRIVE?+
The association fee works out to $217 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 355 OCEAN CREST DRIVE?+
The most recent tax bill on record (2025) was $20,140. 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 355 OCEAN CREST DRIVE?+
The listing reports pets: Breed Restrictions, 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 $2,395,000, this home is listed about 506% 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 355 OCEAN CREST DRIVE?+
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
Five things that matter here
01Positioned at the premium end
$2,395,000 runs 530% above the PALM COAST 32137 median — but at 3,991 sqft it's also nearly twice the size of 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.
03Time on market is leverage
266 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
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.
05The price has already moved
Listed at $2,550,000, now $2,395,000 — a $155K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LUMER REAL ESTATE · Patricia Soares. MLS #O6357048.
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.
Never miss a listing
New Palm Coast homes, in your inbox
Like 355 OCEAN CREST DRIVE but not quite? A daily digest of every new listing in Palm Coast — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →