200 OCEAN CREST DRIVE UNIT 451, PALM COAST, FL, 32137
Active11 days on marketListed Sep 29, 2026MLS #FC321741
About this home
200 OCEAN CREST DRIVE UNIT 451
Welcome to an exceptional opportunity in the highly sought after North Ocean Tower at Hammock Beach. This beautifully decorated 4th-floor corner residence offers an impressive combination of space, privacy, ocean views, and resort-style living in one of Palm Coast’s premier coastal communities. Spanning 2,588 square feet, Residence 451 features 3 spacious bedrooms, 3.5 bathrooms, a private elevator entrance, high tray ceilings, crown molding throughout, and beautiful travertine tile flooring. The open-concept living and dining areas are filled with natural light and flow effortlessly to the expansive balcony through floor-to-ceiling sliding glass doors, creating the perfect setting to relax to the sounds of the ocean and take in the surrounding ocean front views. The gourmet kitchen is designed for both entertaining and everyday living with granite countertops, high-end wood cabinetry, stainless steel appliances, and a Sub-Zero wine cooler. The spacious primary suite offers a private retreat with an ensuite bath featuring a Jacuzzi tub, oversized walk-in shower, dual sinks, and generous space to unwind. Designer furnishings are included, making this residence an incredible opportunity to step right into the Hammock Beach lifestyle. Beyond the residence, enjoy beautiful **oceanfront views overlooking the impressive Hammock Beach Resort amenities**, creating a true resort-style backdrop from your own private retreat. Hammock Beach Club membership is available separately, offering access to two signature golf courses, a state-of-the-art fitness center, an expansive pool pavilion, full-service spa, tennis, dining, and additional resort amenities. Whether you're searching for a primary residence, an elegant second home, or your own coastal retreat, Residence 451 delivers the space and comfort of a private home with the ease of luxury condominium living—all just steps from the Atlantic Ocean. **Come experience the views, the space, and the lifestyle that make Ocean Towers at Hammock Beach truly exceptional.**
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,588
Sqft
0.25 ac
Lot size
1
Garage
2007
Year built
One
Levels
$464
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.
$9,733 /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
$9,733/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
−11.2%
$/sqft vs Palm Coast actives
$464 vs $215
Days on market
11 vs 73 typical
Where $464/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)
204 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 216% 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 200 OCEAN CREST DRIVE UNIT 451
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$1,075,000
200 OCEAN CREST DRIVE UNIT 151 · same community
3 bd · 3.5 ba · 2,588 sqft · $415/sqft · 15 DOM
Sold · Aug ’26$1,350,000
200 OCEAN CREST DRIVE UNIT 843 · same community
3 bd · 3.5 ba · 2,246 sqft · $601/sqft · 154 DOM
Sold · Nov ’25$890,000
19 CINNAMON GROVE LANE
3 bd · 2.5 ba · 2,601 sqft · $342/sqft · 309 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 200 OCEAN CREST DRIVE UNIT 451 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 200 OCEAN CREST DRIVE UNIT 451 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
200 OCEAN CREST DRIVE UNIT 451 FAQs
What would the monthly payment be for 200 OCEAN CREST DRIVE UNIT 451?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,733/mo — principal and interest, the actual property-tax bill, the $1,648/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 200 OCEAN CREST DRIVE UNIT 451?+
The association fee works out to $1,648 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 200 OCEAN CREST DRIVE UNIT 451?+
The most recent tax bill on record (2025) was $12,002. 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 200 OCEAN CREST DRIVE UNIT 451?+
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 $1,200,000, this home is listed about 208% 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 200 OCEAN CREST DRIVE UNIT 451?+
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
Four things that matter here
01Positioned at the premium end
$1,200,000 runs 216% above the PALM COAST 32137 median — but at 2,588 sqft it's also 37% larger than 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.
03Know the monthly fee
The association fee is $1,648/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.
Keep looking
Similar homes nearby
Listing courtesy of HAMMOCK REAL ESTATE GROUP · Laura Kulaga. MLS #FC321741.
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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