Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·491 days on market

5 Ocean Crest Way 1411

Palm Coast, FL 32137

$500,000$295/sqftEst. $2,571/moMLS# 2083598

Beds

Baths

1,696

Sq Ft

2005

Built

—

Garage

Pool

About this home

Palm Coast

Step into a lifestyle of relaxation, beauty, and effortless comfort in this stunning 3-bedroom, 2-bathroom corner condominium located in the most desirable Villa building at Hammock Beach Resort. From the moment you walk through the elegant entry foyer, you'll feel a sense of welcome that instantly feels like home. Inside, this unit comes fully furnished and features an open-concept design that seamlessly blends a chef's kitchen, a cozy breakfast nook, a spacious living room, and an inviting dining area—perfect for both quiet mornings and lively gatherings. The kitchen features rich 42-inch cabinets, granite countertops, and stainless steel appliances. The dining and living areas are bathed in natural light, creating a space where laughter, connection, and memories take center stage. The private balcony is your own personal retreat—a peaceful space to sip your morning coffee, unwind in the evening air, or simply pause and soak in the tranquil surroundings.

Cost to own

Mortgage calculator

Home Price

$500,000

Down Payment: 20%

$100,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,571

Principal & Interest: $2,571

Insurance (est.): $333

Estimated Total Monthly

$2,904

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$2,571

HOAbilled monthly$1,202

Estimated total, before insurance$3,773/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Tile — year not disclosed (home built 2005)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · FLA011602 - Dunes Community Development District · Public water (record)

County records show this parcel on central sewer served by FLA011602 - Dunes Community Development District — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,817 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History