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Active

Active·320 days on market

700 Cinnamon Beach Way 624

Palm Coast, FL 32137

$849,900$505/sqftEst. $4,414/moMLS# 2115103

Beds

Baths

1,682

Sq Ft

2004

Built

—

Garage

Pool

About this home

Palm Coast

Coastal charm abounds from the moment you step inside this oceanfront condo in Cinnamon Beach! With 3 bedrooms, 2 full baths, spacious living areas, and a large sunrise balcony, this waterfront escape provides plenty of room for all. Thoughtfully decorated with touches of the sea and local artwork, this home provides a visually appealing palette for you to soak in true vacation vibes around you. The kitchen features granite countertops, solid wood cabinetry, stainless steel appliances, and a breakfast bar for additional seating.

Cost to own

Mortgage calculator

Home Price

$849,900

Down Payment: 20%

$169,980

Interest Rate: 6.76%

Loan Term

Monthly Payment

$4,414

Principal & Interest: $4,414

Insurance (est.): $567

Estimated Total Monthly

$4,981

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$4,414

HOAbilled quarterly$170

Estimated total, before insurance$4,584/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$9,967/yr · $831/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2024 property taxes (current owner): $9,967/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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 2004)

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: ~1,809 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

Price & status history

Oct 26, 2025Listed$849,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$849,900

Price / Sq Ft$505

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,682

Total Structure Area1,898 sq ft

Acres0.30 acres

Year Built2004

TypeResidential

Sub-TypeCondominium

StyleCondotel

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontYes

Direction FacesEast

School Information

ElementaryOld Kings

MiddleIndian Trails

HighMatanzas

Community Information

Address700 Cinnamon Beach Way 624, Palm Coast, FL 32137

Area605-Flagler County North-Beach

SubdivisionOcean Hammock

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Lot Size13,068 sq ft

Parcel Number0411313513000000624

ZoningCondominium

Amenities

AmenitiesPool, Barbecue, Beach Access, Cable TV, Children's Pool, Clubhouse, Elevator(s), Fitness Center, Gated, Maintenance Grounds, Maintenance Structure, Management - Full Time, Spa/Hot Tub, Storage, Trash, Water

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Covered, Guest, Parking Lot

ViewBeach, Ocean

Waterfront TypeOcean Access, Ocean Front

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

FireplaceNo

# of Fireplaces0

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Security24 Hour Security, Fire Alarm, Fire Sprinkler System, Security Fence, Security Gate, Security Lights, Smoke Detector(s)

Exterior

Exterior FeaturesBalcony, Impact Windows

Lot DescriptionOther

Patio / PorchCovered, Rear Porch

RoofTile

ConstructionStucco

Road SurfaceAsphalt

Road FrontagePrivate Road

Additional Information

Date ListedOctober 26, 2025

Days on Market218

HOA Fees$510 / Quarterly

HOA FrequencyQuarterly

HOA NameOcean Hammock POA/Cinnamon Beach Condo Assn

HOA Fee IncludesCable TV, Insurance, Internet, Maintenance Grounds, Maintenance Structure, Pest Control, Security, Sewer, Trash, Water

Tax Amount$9,967.35

Tax Year2024

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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