55 OCEAN OAKS LANE, PALM COAST, FL, 32137
Active2 days on marketListed Aug 26, 2026MLS #FC320892
About this home
55 OCEAN OAKS LANE
COASTAL LUXURY MEETS EFFORTLESS FLORIDA LIVING! Welcome to 55 Ocean Oaks Lane, a beautifully designed custom home tucked within the gated Northshore community of Hammock Beach. Built by renowned custom builder Frank Rutenberg, this residence offers 3,326 square feet of thoughtfully designed living space where indoor and outdoor living come together seamlessly. Step inside to soaring ceilings, wide-plank wood flooring, custom millwork and an open, light-filled floor plan centered around the heart of the home. The kitchen features Cabico cabinetry, quartz countertops, a large island and hidden walk-in pantry, opening effortlessly to the great room and outdoor living area. Expansive disappearing sliders and a dramatic corner window wall invite you outside to the screened lanai, where a heated pool, spa, fire pit and fully equipped summer kitchen overlook peaceful water views. The spacious primary suite provides a private retreat, while the split-bedroom layout offers flexibility for family and guests. A dedicated library/office, linear gas fireplace, designer finishes and an oversized two-car garage with additional golf cart space add both function and character. Just a short walk from the Atlantic Ocean with deeded beach access, this home captures everything there is to love about the Hammock Beach lifestyle. Optional membership to The Club at Hammock Beach offers access to world-class golf, pools, tennis, fitness, dining, spa amenities and an exceptional calendar of social activities. From mornings at the beach to afternoons by the pool and evenings gathered around the fire pit, 55 Ocean Oaks Lane was designed for the way Florida living should feel.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,302
Sqft
0.36 ac
Lot size
2
Garage
2017
Year built
One
Levels
$560
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.
$12,324 /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
$12,324/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.
vs edgeAI estimate
+21.2%
$/sqft vs OCEAN HAMMOCK
$560 vs $436
Days on market
2 vs 48 typical
Where $560/sqft sits among the 27 homes for sale in OCEAN HAMMOCK
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)
14 of 27
OCEAN HAMMOCK have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 393% 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 55 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.
Sold · May ’26$1,399,900
505 CINNAMON BEACH LANE · same community
4 bd · 4 ba · 3,231 sqft · $433/sqft · 214 DOM
Sold · Feb ’26$1,300,000
2 DRIFTWOOD LANE · same community
3 bd · 4 ba · 3,164 sqft · $411/sqft · 44 DOM
Sold · Sep ’25$1,132,000
7 SPANISH MOSS COURT · same community
3 bd · 3 ba · 3,066 sqft · $369/sqft · 54 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 55 OCEAN OAKS LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 55 OCEAN OAKS LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
55 OCEAN OAKS LANE FAQs
What would the monthly payment be for 55 OCEAN OAKS LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,324/mo — principal and interest, the actual property-tax bill, the $186/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 55 OCEAN OAKS LANE?+
The association fee works out to $186 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 55 OCEAN OAKS LANE?+
The most recent tax bill on record (2025) was $15,624. 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 55 OCEAN OAKS LANE?+
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 $1,850,000, this home is listed about 363% 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 55 OCEAN OAKS LANE?+
Old Kings Elementary School (elementary), Matanzas High School (high), Indian Trails Middle School (middle) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,850,000 runs 393% above the PALM COAST 32137 median — but at 3,302 sqft it's also nearly twice the size of the typical Palm Coast listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 2 days on market in a Palm Coast market that averages 48 — if it fits, move quickly.
04Strong assigned schools
Old Kings Elementary School, Matanzas High School, Indian Trails Middle School — Old Kings Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX SELECT PROFESSIONALS · Pam Capela. MLS #FC320892.
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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