CENTURY 21 Edge
$1,330,000$1,899,0004 bd4 ba4,305 sqft$309 /sqft≈$9,457 /mo all-in ↓

44 OCEAN OAKS LANE, PALM COAST, FL, 32137

Active341 days on marketListed Nov 3, 2025MLS #FC313661

✦ Reduced $569KSingle Family ResidenceOCEAN HAMMOCK

About this home

44 OCEAN OAKS LANE

Virtually Staged. An exceptional opportunity to own a spectacular golf course estate in Ocean Hammock, offering expansive golf and ocean views, superior construction, and a remarkably flexible floor plan at a compelling new price. Ideally situated along the 14th hole of the Hammock Beach Ocean Course within the gated Northshore Estates neighborhood, the property has recently been professionally cleared and landscaped to maximize the views, creating a dramatically more open and inviting outdoor setting. From the main living areas, bedrooms, porches, and rooftop belvedere, the home enjoys sweeping golf course vistas with views of the Atlantic Ocean beyond. Built with an emphasis on quality and durability, the residence features concrete block construction on both levels, impact-rated windows and doors, custom arched solid wood doors, spray foam insulation, newer HVAC systems, and a tiled tandem four-car garage. These structural features represent a level of construction rarely found in today's market and provide long-term value well beyond cosmetic finishes. Designed with flexibility in mind, the home incorporates handicap-accessible features, a private elevator, and a multi-generational floor plan that accommodates a variety of living arrangements. The upper level serves as the primary living space, featuring soaring ceilings, dramatic architectural details, a spacious great room, formal dining area, private office, wet bar, and a well-appointed kitchen with custom cabinetry, granite countertops, gas cooktop with grill, built-in wall oven, cabinet pantry, and breakfast area. The primary suite offers a private retreat complete with a flexible sitting room, dressing area, exercise space or coffee bar, along with a spa-inspired bath featuring multiple vanities, soaking tub, oversized shower, custom closet systems, and private water closet with bidet. The lower level provides exceptional versatility with three additional bedrooms, multiple en-suite baths, a secondary living area with wet bar, and ample space for extended family, guests, or multi-generational living. Outdoor spaces include multiple covered porches, tiled terraces, a gas fireplace, and a backyard with room to accommodate a custom pool if desired, see rendering in photos! The newly opened views create a significantly enhanced outdoor experience while providing future owners the opportunity to further customize the property to their lifestyle. A spiral staircase leads to the home's signature belvedere tower, offering one of the most unique vantage points in Ocean Hammock with panoramic views of the golf course, Hammock Beach Club, and the Atlantic Ocean. For buyers seeking location, quality construction, generous square footage, and long-term value, 44 Ocean Oaks Lane presents a rare opportunity to acquire a custom-built Ocean Hammock estate on a homesite worth over $600,000 alone—at a price point that would be difficult to recreate in today's market.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

4,305

Sqft

0.34 ac

Lot size

4

Garage

2009

Year built

Two

Levels

$309

Per sqft

FireplaceGolf Course & Water viewNegotiablePets allowed

Inside

FlooringCeramic Tile · Porcelain Tile
AppliancesBar Fridge · Built-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Indoor Grill · Microwave · Range Hood · Refrigerator · Washer · Water Softener · Wine Refrigerator
InteriorAccessibility Features · Built-in Features · Ceiling Fan(s) · Central Vacuum · Crown Molding · Dry Bar · Eating Space In Kitchen · Elevator · High Ceilings · In Wall Pest System · Kitchen/Family Room Combo · Open Floorplan · Pest Guard System · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Upper Level · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofOther · Tile
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewGolf Course · Water
FacesWest
ParkingDriveway · Garage Door Opener · Garage Faces Side · Other · Oversized · Tandem · Workshop in Garage
ExteriorBalcony · French Doors · Irrigation System · Lighting · Outdoor Kitchen · Private Mailbox · Rain Gutters · Storage

Community & fees

HOA fee$170/mo
Taxes (2024)$17,420/yr
PetsCats OK, Dogs OK, Yes
CommunityGulf/Ocean Front · Lake · Water Access · Deed Restrictions · Gated Community - Guard · Golf Carts OK · Golf

Utilities & systems

UtilitiesCable Available · Electricity Available · Public · Sewer Available · Street Lights · Underground Utilities · Water Available
WaterPublic

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.

$9,457 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,177
PMI (est., until 20% equity)$499
Property tax — 2024 actual bill$1,452
HOA fee — from the listing$170
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $133,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $133,000
Interest rate6.00%
Loan term

Estimated payment

$9,457/mo

Principal & interest$7,177
PMI (est., until 20% equity)$499
Property taxes (actual bill)$1,452
HOA / condo fee$170
Est. insurance$160

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.

List $1.3M
$1.1MedgeAI estimate $1,261,724 · range $1.1M–$1.3M$1.4M

vs edgeAI estimate

+5.4%

$/sqft vs OCEAN HAMMOCK

$309 vs $439

Days on market

341 vs 73 typical

Where $309/sqft sits among the 28 homes for sale in OCEAN HAMMOCK

11 · this home
5
5
1
2
4
$298–386$386–475$475–564$564–652$652–741$741+

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

HighMatanzas High School★★★★★
MiddleIndian Trails Middle School★★★★★
ElementaryOld Kings Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketLeans seller — 4.7 months of inventoryBuyer’s market

$355K → $361K

Palm Coast median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

13 of 28

OCEAN HAMMOCK have cut their price

Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 250% above the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,330,000 ▼ $569K
Nov 3, 2025Listed at $1,899,000 · 341 days on market since
2009Built · OCEAN HAMMOCK

Reality check

What actually sold near 44 OCEAN OAKS LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

7 CINNAMON BEACH WAYSold · Mar ’26

$1,350,000

7 CINNAMON BEACH WAY · same community

6 bd · 6 ba · 4,231 sqft · $319/sqft · 12 DOM

68 OAK VIEW CIRCLE WSold · Jun ’26

$1,200,000

68 OAK VIEW CIRCLE W · same community

4 bd · 3.5 ba · 3,780 sqft · $317/sqft · 1 DOM

55 CINNAMON BEACH WAYSold · Apr ’26

$1,245,000

55 CINNAMON BEACH WAY · same community

5 bd · 4.5 ba · 3,770 sqft · $330/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.

Leila Sabat

Your agent

Leila Sabat

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 44 OCEAN OAKS LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 44 OCEAN OAKS LANE — before you fall in love.

See it in person

Schedule a tour

Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

44 OCEAN OAKS LANE FAQs

What would the monthly payment be for 44 OCEAN OAKS LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,457/mo — principal and interest, the actual property-tax bill, the $170/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 44 OCEAN OAKS LANE?+

The association fee works out to $170 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 44 OCEAN OAKS LANE?+

The most recent tax bill on record (2024) was $17,420. 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 44 OCEAN OAKS LANE?+

The listing reports pets: Cats OK, Dogs OK, 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 $1,330,000, this home is listed about 241% above the Palm Coast median of $389,990. The market section on this page shows how the area is trending.

Which schools are assigned to 44 OCEAN OAKS LANE?+

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

$1,330,000 runs 250% above the PALM COAST 32137 median — but at 4,305 sqft it's also nearly twice the size of the typical Palm Coast listing.

02Golf Course & Water views

The golf course and water view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

341 days on market against a Palm Coast median of 73 — 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 $1,899,000, now $1,330,000 — a $569K cut. The full history is in the market section below.

Listing courtesy of ONE SOTHEBYS INTERNATIONAL · Kory Lostaglio. MLS #FC313661.

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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44 OCEAN OAKS LANE, PALM COAST, FL — 4 Bed, 4 Bath — $1,330,000 | CENTURY 21 Edge