
35 OCEAN CREST WAY UNIT 1135, PALM COAST, FL, 32137
Active177 days on marketListed Feb 13, 2026MLS #FC315127
About this home
35 OCEAN CREST WAY UNIT 1135
This beautifully positioned corner-unit in the Villas at Hammock Beach captures what coastal resort living is meant to feel like — bright, open, and effortlessly comfortable. From the moment you enter, you’re welcomed by a tile foyer framed by elegant archways and architectural niches, creating a soft, Mediterranean-inspired introduction. Just beyond, the kitchen is both functional and inviting, featuring rich wood cabinetry, granite countertops, a stainless-steel double sink with pull-down faucet, and a glass-tile backsplash that adds texture and depth. Recessed lighting and an abundance of windows maintain the villa’s naturally light, airy ambiance. Luxury vinyl plank flooring flows seamlessly into the main living and dining space, where crown molding, oversized windows with plantation blinds, and a statement chandelier above the dining table add polish and warmth. The open-concept layout comfortably accommodates a full dining set and generous living area, anchored by sliding glass doors that frame lush palm trees and golf course views beyond. Natural light pours in, enhancing the neutral palette and coastal textures throughout. Step outside to the covered balcony — truly an extension of the living space. With its arched stucco opening, white balustrade railing, and elevated vantage point overlooking the Jack Nicklaus Signature Ocean Course, this is where mornings begin and evenings unwind. There’s ample room for outdoor dining, surrounded by tropical landscaping, swaying palms, and distant ocean views that remind you exactly where you are. The primary suite offers a peaceful retreat with plush carpeting and generous proportions. The en-suite bath feels spa-inspired, featuring a soaking garden tub wrapped in warm tile, a glass-enclosed walk-in shower, and an expansive vanity with dual sinks and full-width mirror. Updated lighting, wood cabinetry, and ample counter space create both comfort and functionality. Two guest bedrooms are thoughtfully positioned at the front of the villa, offering privacy for family or visitors, while a full guest bath and spacious laundry room add convenience and additional storage. With membership at Hammock Beach Resort, owners and guests enjoy access to exceptional amenities including two championship golf courses, multiple pools, fitness facilities, and on-site dining — all within a gated oceanfront community. Whether you’re seeking a personal coastal retreat or a vacation rental with income potential in the area's premier resort community, this Villa delivers the lifestyle you're searching for. Don't delay!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,696
Sqft
0.75 ac
Lot size
2
Garage
2002
Year built
One
Levels
$253
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.
$4,748 /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
$4,748/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
−35%
$/sqft vs NORTHSHORE 05
$253 vs $464
Days on market
177 vs 49 typical
Where $253/sqft sits among the 20 homes for sale in NORTHSHORE 05
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)
5 of 20
NORTHSHORE 05 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% 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 35 OCEAN CREST WAY UNIT 1135
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$500,000
5 OCEAN CREST WAY UNIT 1431 · same community
3 bd · 2 ba · 1,696 sqft · $295/sqft · 44 DOM
Sold · Apr ’26$725,000
200 OCEAN CREST DRIVE UNIT 707 · same community
3 bd · 3 ba · 1,676 sqft · $433/sqft · 109 DOM
Sold · Mar ’26$670,000
200 OCEAN CREST DRIVE UNIT 515 · same community
3 bd · 3 ba · 1,676 sqft · $400/sqft · 383 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
Gianfranco Di Flumeri Petrelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 35 OCEAN CREST WAY UNIT 1135 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 35 OCEAN CREST WAY UNIT 1135 — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
35 OCEAN CREST WAY UNIT 1135 FAQs
What would the monthly payment be for 35 OCEAN CREST WAY UNIT 1135?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,748/mo — principal and interest, the actual property-tax bill, the $1,363/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 35 OCEAN CREST WAY UNIT 1135?+
The association fee works out to $1,363 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 35 OCEAN CREST WAY UNIT 1135?+
The most recent tax bill on record (2025) was $6,121. 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 35 OCEAN CREST WAY UNIT 1135?+
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 $429,000, this home is listed about 8% above the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 35 OCEAN CREST WAY UNIT 1135?+
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
$429,000 runs 11% above the PALM COAST 32137 median.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $1,363/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
177 days on market against a Palm Coast median of 49 — 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 HAMMOCK REAL ESTATE GROUP · Luke O'Reilly. MLS #FC315127.
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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