35 OCEAN CREST WAY UNIT 1113, PALM COAST, FL, 32137
Active59 days on marketListed Aug 27, 2026MLS #FC321004
About this home
35 OCEAN CREST WAY UNIT 1113
Hammock Beach 2BR Villa with One of the Largest Balconies in the Villas. Step out onto one of the biggest private balconies in the Villas at Hammock Beach, an oceanfront, guard-gated resort community. Inside, the kitchen, dining and living areas open directly onto the balcony, and the two-bedroom, two-bath plan includes a primary bedroom with a walk-in closet. The home is sold furnished, with an in-unit washer and dryer, elevator access, a covered parking space directly beneath the building and a private storage bin for beach gear. The monthly HOA covers 24-Hour Security Guard and Gate, common grounds and exterior building maintenance, building insurance, exterior pest control, water/sewer/trash, escrow reserves, HOA Management, internet & cable. Use of amenities is available through membership to the Club at Hammock Beach Golf Resort & Spa. The association has completed its milestone inspection and structural integrity reserve study (SIRS); reports are available on request.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,160
Sqft
0.75 ac
Lot size
2002
Year built
Three Or More
Levels
$297
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.
$4,231 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,231/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−32.6%
$/sqft vs NORTHSHORE 05
$297 vs $442
Days on market
59 vs 67 typical
Where $297/sqft sits among the 16 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)
7 of 16
NORTHSHORE 05 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% below 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 1113
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$410,000
5 OCEAN CREST WAY UNIT 1432 · same community
3 bd · 2 ba · 1,264 sqft · $324/sqft · 53 DOM
Sold · Jan ’26$275,000
200 OCEAN CREST DRIVE UNIT 722 · same community
1 bd · 1 ba · 678 sqft · $406/sqft · 135 DOM
Sold · Sep ’26$320,000
200 OCEAN CREST DRIVE UNIT 924 · same community
1 bd · 1 ba · 678 sqft · $472/sqft · 63 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 35 OCEAN CREST WAY UNIT 1113 — 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 1113 — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
35 OCEAN CREST WAY UNIT 1113 FAQs
What would the monthly payment be for 35 OCEAN CREST WAY UNIT 1113?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,231/mo — principal and interest, the actual property-tax bill, the $1,155/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 1113?+
The association fee works out to $1,155 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 1113?+
The most recent tax bill on record (2025) was $4,742. 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 1113?+
The listing reports pets: 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 $344,900, this home is listed about 12% below the Palm Coast median of $390,450. The market section on this page shows how the area is trending.
Which schools are assigned to 35 OCEAN CREST WAY UNIT 1113?+
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
01Under the PALM COAST 32137 market on paper
$344,900 is 9% below the PALM COAST 32137 median of $379,400.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Know the monthly fee
The association fee is $1,155/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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 $360,000, now $344,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Michael Calluori. MLS #FC321004.
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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