200 OCEAN CREST DRIVE UNIT 646, PALM COAST, FL, 32137
Active338 days on marketListed Sep 2, 2025MLS #FC312376
About this home
200 OCEAN CREST DRIVE UNIT 646
Perched atop the South Tower at Hammock Beach Resort, this 3-bedroom, 3.5-bath penthouse with a versatile flex room offers unrivaled privacy, refined comfort, and some of the most commanding ocean views in the entire community. The private elevator entry opens to a foyer framed by two guest suites, each with walk-in closets and ensuite baths. Across the main living area, travertine tile floors, tray ceilings, and crown molding highlight the craftsmanship that sets this residence apart. The kitchen is outfitted with granite counters, stainless steel appliances, tile backsplash, and a walk-in pantry, positioned to overlook the dining and living spaces. A wet bar with wine fridge, additional storage, and a gas fireplace add both function and character. Expansive sliding doors open to a balcony that captures unobstructed Atlantic views and looks directly over one of Hammock Beach’s seven pools. A set of French doors leads to the flex room, easily adapted for a home office, den, or overflow guest space. The primary suite extends to the balcony as well, and its bath features a jetted tub, walk-in shower, dual vanities, and separate water closet. A full laundry room with cabinetry completes the interior. As a member of The Club at Hammock Beach, you’ll have access to a resort lifestyle few places can rival: multiple pools including a lazy river and waterslide, a world-class spa and fitness center, tennis and pickleball courts, two championship golf courses, and a selection of upscale dining experiences. Whether you choose to enjoy this residence as a year-round coastal home or place it in the highly successful Hammock Beach rental program, it offers both an enviable lifestyle and proven investment potential—all with the Atlantic as your backdrop.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,058
Sqft
0.06 ac
Lot size
30
Garage
2007
Year built
One
Levels
$583
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.
$9,412 /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
$9,412/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
$583 vs $222
Days on market
338 vs 50 typical
Where $583/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
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
184 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 216% 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 200 OCEAN CREST DRIVE UNIT 646
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$690,000
31 CHEROKEE COURT W
4 bd · 2 ba · 2,107 sqft · $327/sqft · 65 DOM
Sold · Feb ’26$395,000
11 CROSSVIEW LANE
3 bd · 2 ba · 2,113 sqft · $187/sqft · 14 DOM
Sold · May ’26$457,000
11 CLERMONT COURT
4 bd · 2 ba · 1,997 sqft · $229/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
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 200 OCEAN CREST DRIVE UNIT 646 — 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 646 — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
200 OCEAN CREST DRIVE UNIT 646 FAQs
What would the monthly payment be for 200 OCEAN CREST DRIVE UNIT 646?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,412/mo — principal and interest, the actual property-tax bill, the $1,445/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 646?+
The association fee works out to $1,445 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 646?+
The most recent tax bill on record (2024) was $10,656. 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 646?+
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 $1,199,000, this home is listed about 200% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 200 OCEAN CREST DRIVE UNIT 646?+
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
$1,199,000 runs 216% above the PALM COAST 32137 median.
02Golf Course & Pool & Trees/Woods & Water views
The golf course and pool and trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $1,445/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
338 days on market against a Palm Coast median of 50 — sellers in this position are usually ready to negotiate.
05Strong 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 · Carlene Reardon. MLS #FC312376.
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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