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Overview

4 bd4 ba3,297 sqft2 car garageSingle Family
TypeSingle Family
HOA$579/qtr
Built2012
Lot6,882 sqft
Living area3,297 sqft
Price / sqft$439
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenPrimarybedroom UpstairsSolid Surface CountersSolid Wood CabinetsWalk-in Closet(s)BalconyLighting

550 Cinnamon Beach Ln is a 2012-built home in Ocean Hammock, Palm Coast. Inside you'll find 4 bedrooms, 4 bathrooms, and 3,297 square feet of living space. Listed at $1,449,000 (about $439/sqft), 88 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $579 quarterly.

From the listing

Perfectly positioned just steps from the Atlantic Ocean within the exclusive gated community of Cinnamon Beach, this impeccably maintained coastal retreat offers the ideal blend of luxury, comfort, and investment potential. Nestled on a quiet cul-de-sac, this exceptional residence features 4 bedrooms, 3.5 bathrooms, and 3,297 square feet of thoughtfully designed living space. Fully furnished and completely turnkey, it is equally suited as a primary residence, second home, or income-producing vacation rental. Designed for effortless entertaining, the open-concept floor plan is filled with natural light and showcases soaring ceilings, custom wood tray ceilings, expansive living areas, wood-look tile flooring, and a dramatic floor-to-ceiling stone fireplace. The chef's kitchen is beautifully appointed with a Thermador gas cooktop, Bosch and KitchenAid stainless steel appliances, custom cabinetry, granite countertops, an oversized island with seating, and abundant storage. The spacious primary suite serves as a private retreat featuring a spa-inspired bath, custom walk-in closet system with a secure owner's cabinet, and an adjoining flex room ideal for a home office, fitness area, nursery, or hobby space. Custom built-ins throughout the home provide exceptional organization and functionality. The lower-level game room offers additional living space complete with a regulation-size air hockey table, retro arcade gaming machines, a full-size refrigerator, and direct access to the outdoor living area. Step outside to your own private oasis where the screened heated pool and spa overlook a tranquil lake, creating the perfect setting to relax and entertain year-round. The covered lanai features a fully equipped summer kitchen, while the expansive upper balcony provides a peaceful place to enjoy the water views and coastal breezes. Additional premium features include electric roller shades, plantation shutters throughout, newly installed exterior pathway and lanai lighting, a custom security camera system, a pre-installed Tesla EV charger, an oversized lockable storage room off the garage complete with a Liberty safe, an oversized paver driveway, and meticulous maintenance throughout. Offering luxury finishes, enhanced privacy, exceptional amenities, and an unbeatable beachside location, this remarkable Cinnamon Beach residence delivers the very best of Florida coastal living.

The essentials

Built
2012
Price / sqft
$439
On market
88 days
Annual tax
$16,274
HOA
$579/qtr
Flood zone
X · Low risk
Lot
6,882 sqft
Type
Single Family Residence

At a glance

Single family
Built 2012
Water views
Water
Private pool
Heated
2 car garage
6,882 sqft lot
Lot size

Payment

Est. monthly payment
$9,831/mo
Down payment (20%)
$289,800
Property taxes
$1,356/mo
HOA
$579/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2012
Lot
6,882 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
Heated, In Ground
Days on Market
88
Ceiling Fans(s)
Eat-in Kitchen
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Walk-in Closet(s)
Balcony
Lighting
Outdoor Kitchen
Outdoor Shower
Private Entrance
Gated Community - Guard
Golf Carts OK
Bar Fridge
Built-in Oven
Cooktop
Dishwasher
Dryer
Ice Maker
Microwave
Refrigerator
Washer
High
Matanzas High

Districts can re-zone, so verify directly with the district before relying on these.

In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$16,274
Parcel #
04-11-31-3512-00010-0740

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Ocean Hammock
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
6,882 sqft
HOA
$579/qtr
Victoria Scalia

Price history

Date
Event
Price
10/10/2026
Price change
Source: Stellar MLS #FC319923
$1,449,000-3.3%
$439/sqft
7/15/2026
Listed for sale
Source: Stellar MLS #FC319923
$1,499,000
$455/sqft

Neighborhood

550 Cinnamon Beach Ln
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $1,449,000
$1.43M – $1.45M
98.6% – 100% of listTops out right at the list price
80% of listList price
254 of the last 506 home closings in 32137 landed at this number or higher (50%). The median one sat 49 days before it went under contract, and this one is on day 88 after a $50,000 cut.

Sample: 506 closed home sales in 32137 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$9,831/mo
Principal & interest$7,557
Property taxes$1,356
Insurance$725
HOA$193
Down payment20% · $289,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$1,449,000

$439 per sq ft

Beds and baths

4 beds, 4 baths

Size

3,297 sq ft

Time on market

88 days

Year built

2012

Monthly payment

About $9,831/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $16,274 annual tax bill, insurance, and the $579/qtr HOA fee.

HOA fee

$579/qtr

Managed by Victoria Scalia.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byCOASTAL GATEWAY REAL ESTATE GRListing agent: Krista LibbyListing data from Stellar MLS, MLS# FC319923.

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