
28 CINNAMON BEACH WAY, PALM COAST, FL, 32137
Active3 days on marketListed Oct 7, 2026MLS #FC321924
About this home
28 CINNAMON BEACH WAY
Enjoy coastal living at 28 Cinnamon Beach Way, a newly constructed six-bedroom, five-bath lakefront pool home in the gated community of Cinnamon Beach at Ocean Hammock. Upgraded finishes, multiple gathering spaces and accommodations for up to 12 guests make this property ideal as a primary residence, second home or vacation rental. Morning coffee overlooking the lagoon, afternoons beside the private heated pool and evenings under the covered lanai capture the relaxed luxury of beachside living. White stucco, blue-green Bahamian-style shutters, a tile roof and a second-story balcony create distinctive coastal curb appeal. Mature palms, a paver driveway and a covered entry complete the welcoming exterior. Inside, wide-plank luxury vinyl flooring, 10-foot ceilings, recessed lighting and contemporary millwork complement the open floor plan. Dual tankless water heaters and a private enclosed outdoor shower add everyday convenience. Designed for entertaining, the kitchen features an oversized contrasting island with seating for four, glass pendant lighting, a walk-in pantry, abundant cabinetry, stainless-steel appliances and built-in double wall ovens. Open display shelving and a statement range hood with full-height tile detail provide a custom finish. The adjacent dining area flows into the spacious living room, where a linear fireplace with a dramatic floor-to-ceiling surround creates a striking focal point. Large sliding glass doors open to the granite-tiled pool deck, extending the living space outdoors. The first floor includes two bedrooms and two bathrooms. Overlooking the pool and lagoon, the primary suite features a luxurious bath with a dual-sink vanity, illuminated mirrors, warm brass fixtures and pendant lighting. Its oversized frameless-glass shower includes marble-look tile, pebble mosaic flooring, a built-in bench, rain shower and handheld fixtures. Upstairs, three additional bedrooms, two bathrooms and two balconies provide generous space for family and guests. A second living room showcases an ocean-inspired abstract mural, tray ceiling, oversized modern fan, custom built-in shelving and a large television, creating a comfortable gathering space. The expansive covered lanai offers room for lounge seating and outdoor dining beneath a large ceiling fan. Beyond it, the private heated pool overlooks the peaceful lake, framed by palms and coastal homes. Spacious covered and open-air areas provide inviting settings for swimming, entertaining and relaxing throughout the year. Approximately a five-minute stroll from the home, a picturesque footbridge crosses the lagoon toward Cinnamon Beach’s Atlantic shoreline. Residents and guests enjoy private beach access and resort-style amenities, including an oceanfront pool, a separate family-friendly pool complex, clubhouse, fitness center, children’s splash pad, game and entertainment spaces, and a seasonal café. Palms, lakes and walking paths enhance the community’s coastal setting. For buyers seeking vacation-rental potential, this home combines desirable features: a private pool, lakefront views, multiple living areas, spacious accommodations and substantial outdoor living space within an established vacation-rental community. Whether enjoying it year-round, escaping for a coastal getaway or exploring rental income opportunities, 28 Cinnamon Beach Way offers an exceptional setting to experience the Cinnamon Beach lifestyle.
Facts & features
The home at a glance
6
Bedrooms
5
Bathrooms
3,347
Sqft
0.14 ac
Lot size
2024
Year built
Two
Levels
$553
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.
$12,138 /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
$12,138/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
+1.8%
$/sqft vs OCEAN HAMMOCK
$553 vs $439
Days on market
3 vs 73 typical
Where $553/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)
14 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 387% 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 28 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 · 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 · May ’26$1,984,500
10 HAMMOCK BEACH CIRCLE S · same community
4 bd · 3.5 ba · 3,562 sqft · $557/sqft · 97 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 28 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 28 CINNAMON BEACH WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
28 CINNAMON BEACH WAY FAQs
What would the monthly payment be for 28 CINNAMON BEACH WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,138/mo — principal and interest, the actual property-tax bill, the $193/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 28 CINNAMON BEACH WAY?+
The association fee works out to $193 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 28 CINNAMON BEACH WAY?+
The most recent tax bill on record (2025) was $13,299. 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 28 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 $1,850,000, this home is listed about 374% 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 28 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
Four things that matter here
01Positioned at the premium end
$1,850,000 runs 387% above the PALM COAST 32137 median — but at 3,347 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.
03Fresh on the market
Only 3 days on market in a Palm Coast market that averages 73 — if it fits, move quickly.
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 · Luke O'Reilly. MLS #FC321924.
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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