15 OCEAN CREST WAY UNIT 1314, PALM COAST, FL, 32137
Active221 days on marketListed Dec 29, 2025MLS #FC314912
About this home
15 OCEAN CREST WAY UNIT 1314
Short Sale. The Hammock Beach Villa: A Luxurious Coastal Retreat! This ASSUMABLE VA Loan Villa features - 3 Bedrooms, 2 Bathrooms and 1,264 sqft. Within the renowned Hammock Beach Resort and Gated Community, this stunning Villa offers the perfect blend of luxurious living, natural beauty and an opportunity to experience a blissful beachside lifestyle. This Villa boasts generously sized bedrooms, each meticulously designed to provide comfort and tranquility. The Master Suite is a haven of relaxation, complete with an en-suite bathroom in a spa-like ambiance with Glassed-Enclosed Shower and Jetted Tub. The remaining Two Bedrooms give ample space and are ideal for accommodating family members or guests. The Second Bathroom, finished with high-quality fixtures, ensures convenience and style. With a well-appointed kitchen that effortlessly blends functionality and aesthetics, this Villa features a bar-height counter for added seating as well as a full dinning area. Including granite countertops, stainless steel appliances and quality storage. The thoughtfully designed layout maximizes the use of space, providing an open feel throughout. An interior laundry with full size Washer & Dryer add to the benefits of this unit. One of the most remarkable features of this Villa is its unbeatable proximity to the Beach and Jack Nicklaus - Ocean Golf Course. Just a short stroll away, you can feel the sand between your toes whether on the beach or the golf course bunkers. Spend your days golfing, sunbathing, swimming, or indulge in a leisurely walk along the shoreline. The Hammock Beach community itself offers an array of member amenities, ensuring a lifestyle of convenience and luxury. Take advantage of the private resort swimming pools, fitness center, and tennis courts, providing opportunities for recreation and relaxation. Immerse yourself in the spa and wellness center, where you can unwind with rejuvenating treatments and therapies. Fine dining options, boutique shops, and vibrant entertainment venues are also within easy reach, adding to the allure of this remarkable private destination. This Villa can be rented SHORT-TERM which allows the owner to decide how to use it; Primary Residence, Vacation Retreat, Income Generating Investment...your choice!! Memberships are available to the Hammock Beach Resort and Golf Club.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,264
Sqft
1
Garage
2005
Year built
One
Levels
$376
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.
$4,525 /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
$4,525/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
−7.8%
$/sqft vs Palm Coast actives
$376 vs $223
Days on market
221 vs 50 typical
Where $376/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)
193 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 23% 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 15 OCEAN CREST WAY UNIT 1314
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$244,000
25 RIVERVIEW BEND N UNIT 111
3 bd · 2 ba · 1,159 sqft · $211/sqft · 14 DOM
Sold · Jun ’26$565,000
16 CEDARDALE COURT
3 bd · 2 ba · 1,481 sqft · $381/sqft · 19 DOM
Sold · Nov ’25$530,000
16 CEDARDALE COURT
3 bd · 2 ba · 1,481 sqft · $358/sqft · 55 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 15 OCEAN CREST WAY UNIT 1314 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15 OCEAN CREST WAY UNIT 1314 — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
15 OCEAN CREST WAY UNIT 1314 FAQs
What would the monthly payment be for 15 OCEAN CREST WAY UNIT 1314?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,525/mo — principal and interest, the actual property-tax bill, the $896/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 15 OCEAN CREST WAY UNIT 1314?+
The association fee works out to $896 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 15 OCEAN CREST WAY UNIT 1314?+
The most recent tax bill on record (2025) was $5,555. 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 15 OCEAN CREST WAY UNIT 1314?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 $475,000, this home is listed about 19% 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 15 OCEAN CREST WAY UNIT 1314?+
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
$475,000 runs 23% above the PALM COAST 32137 median.
02Golf Course & Trees/Woods views
The golf course and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $896/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
221 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 KOKOMO REALTY LLC · Tyler Capps. MLS #FC314912.
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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