12 CINNAMON BEACH WAY, PALM COAST, FL, 32137
Active42 days on marketListed Aug 29, 2026MLS #FC321027
About this home
12 CINNAMON BEACH WAY
Cinnamon Beach, Ocean Hammock — Furnished, Elevator, Turnkey Rental Three stories of concrete-block construction, a private elevator, and water views from every level — this fully furnished 4-bedroom, 3 full, 2 1/2-bath residence in guard-gated Cinnamon Beach within Ocean Hammock is ready the day you close, whether as your coastal home or a proven short-term rental. This home offers unparalleled security and privacy with 24-hour manned entry. Designed for easy living and seamless entertaining, this concrete block masterpiece boasts 4 bedrooms and 3 full and 2 1/2 baths and an elevator for effortless access to all floors. Each level offers breathtaking views and a sense of tranquility, making it the perfect escape. Currently operating as a short-term rental, and owners retreat, this property presents a unique and lucrative opportunity for investors. Its prime location provides quick and easy access to the ocean, allowing you to enjoy all the beauty and recreation of coastal living just steps from your front door. Ownership here includes Cinnamon Beach's oceanfront pool complex, clubhouse, fitness center, beach walkover and 24-hour manned gate, with Hammock Beach Resort just minutes away.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,626
Sqft
0.14 ac
Lot size
2
Garage
2011
Year built
Three Or More
Levels
$372
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.
$9,295 /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
$9,295/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
−18.1%
$/sqft vs OCEAN HAMMOCK
$372 vs $439
Days on market
42 vs 73 typical
Where $372/sqft sits among the 28 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)
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 255% 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 12 CINNAMON BEACH WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$1,420,000
18 CINNAMON BEACH WAY · same community
4 bd · 3.5 ba · 3,609 sqft · $393/sqft · 28 DOM
Sold · Feb ’26$924,000
3 FLAGSHIP DRIVE · same community
3 bd · 2.5 ba · 3,666 sqft · $252/sqft · 117 DOM
Sold · Nov ’25$2,050,000
49 HAMMOCK BEACH CIRCLE S · same community
4 bd · 4.5 ba · 3,683 sqft · $557/sqft · 216 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12 CINNAMON BEACH WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 CINNAMON BEACH WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12 CINNAMON BEACH WAY FAQs
What would the monthly payment be for 12 CINNAMON BEACH WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,295/mo — principal and interest, the actual property-tax bill, the $172/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 12 CINNAMON BEACH WAY?+
The association fee works out to $172 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12 CINNAMON BEACH WAY?+
The most recent tax bill on record (2025) was $14,063. 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 12 CINNAMON BEACH WAY?+
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 $1,350,000, this home is listed about 246% 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 12 CINNAMON BEACH WAY?+
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
Three things that matter here
01Positioned at the premium end
$1,350,000 runs 255% above the PALM COAST 32137 median — but at 3,626 sqft it's also nearly twice the size of the typical Palm Coast listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong 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 COASTAL GATEWAY REAL ESTATE GR · M. Gina DosSantos. MLS #FC321027.
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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