Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 105
Active

Active·1 day on market

52 S Hammock Beach Circle S

Palm Coast, FL 32137

$5,350,000$779/sqftEst. $27,788/moMLS# 2164204
6
Beds
5
Baths
6,869
Sq Ft
2018
Built
2
Garage
No
Pool

About this home

Palm Coast

Welcome to the crown jewel of Ocean Hammock--the largest oceanfront estate on the 9th hole of the Jack Nicklaus Ocean Course. Spanning 4 levels with over 6,800 sq ft, this concrete coastal retreat features rich travertine flooring, elevator access, and sweeping ocean views. Level 1 offers a full bar, media room, fireplace living area, generator, water filtration, and accessible suites. Level 2 features 4 guest suites (2 oceanfront), a wet bar, and laundry. Level 3 reveals a chef's kitchen with Sub-Zero/Wolf appliances, expansive great room, and a half-moon lounge framing panoramic vistas. The entire 4th floor is a primary sanctuary with direct ocean views, executive office, laundry, and spa bath with multi-spray rain shower. Outdoors, enjoy direct beach access, an alfresco kitchen, firepit, and neighbor-only pool. Features Apple Home, HOA landscaping, updated HVAC, resealed pavers, and fresh paint. Optional Resort membership adds golf, tennis, pools. Furnished negotiable.

Cost to own

Mortgage calculator

$5,350,000
$1,070,000
Loan Term
Monthly Payment
$27,788
Principal & Interest: $27,788
Insurance (est.): $3,567
Estimated Total Monthly
$31,355
*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$27,788
HOAbilled quarterly$270
Estimated total, before insurance$28,059/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$28,370/yr · $2,364/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

2025 property taxes (current owner): $28,370/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 2018)

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: ~1,822 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 September 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

  • Sep 10, 2026Listed$5,350,000

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

Features

Price$5,350,000
Price / Sq Ft$779
Bedrooms6
Bathrooms6.00
Full Baths5
Half Baths2
Square Footage6,869
Total Structure Area9,125 sq ft
Acres0.16 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesEast

Community Information

Address52 S Hammock Beach Circle S, Palm Coast, FL 32137
Area605-Flagler County North-Beach
SubdivisionOcean Hammock
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size6,969.6 sq ft
Parcel Number0411313505000000650
ZoningPUD

Amenities

AmenitiesPool, Other, Beach Access, Clubhouse, Gated, Jogging Path, Maintenance Grounds, Management - Full Time, Management - Off Site, Security
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewBeach, Golf Course, Ocean
Waterfront TypeDeeded Beach Access, Navigable Water, Ocean Access, Ocean Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Eat-in Kitchen, Elevator, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Split Bedrooms, Walk-In Closet(s), Wet Bar, Other
AppliancesOther, Dishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Freezer, Gas Cooktop, Gas Range, Ice Maker, Microwave, Refrigerator, Washer, Wine Cooler
HeatingCentral
CoolingAttic Fan, Central Air, Multi Units
FlooringStone
FireplaceYes
# of Fireplaces2
Fireplace FeaturesDouble Sided, Electric
# of Stories4
LevelsThree Or More
LaundryIn Unit, Upper Level
SecurityFire Alarm, Fire Sprinkler System, Gated with Guard, Smoke Detector(s)

Exterior

Exterior FeaturesBalcony, Fire Pit, Impact Windows, Outdoor Kitchen, Outdoor Shower
Lot DescriptionOn Golf Course, Other
Patio / PorchRear Porch
RoofTile
ConstructionBlock, Frame, Stone, Stucco
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 10, 2026
Days on Market1
HOA Fees$811.14 / Quarterly
HOA FrequencyQuarterly
HOA NameOHPOA
HOA Fee IncludesMaintenance Grounds, Security, Water, Other
Tax Amount$28,370.31
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COASTAL GATEWAY REAL ESTATE GROUP

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

Keep looking

More homes in Ocean Hammock

Keep looking

Similar homes in Palm Coast

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines