Active·10 days on market
28 Cinnamon Beach Way
Palm Coast, FL 32137
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palm Coast
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.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2024)
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: ~1,760 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 homeAs of October 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Fort Matanzas south accessabout 9 mi · 40 parking spaces
Closest park or preserve
Pellicer Creek Conservation Areaabout 6 mi · 3.7 mi of trails
Closest public boat ramp
Bing's Landing Boat Rampabout 2 mi · Atlantic ICW (Flagler County) Matanzas River
Closest kayak & paddleboard launch
Bing's Landing Accessible Kayak Launch Dockabout 2 mi · Atlantic ICW (Flagler County) Matanzas River
Closest grocery store
Aldiabout 16 mi · 181 Blackford Way, St. Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard and pool on the east side. Today at this address: sunrise 7:31 AM, sunset 6:47 PM.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $13,299/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.
History
Price & status history
- Oct 12, 2026Listed$1,850,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $367/sq ft; this home is listed at $553/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 24 Cinnamon Beach Place, Palm Coast, FL 32137Listed by REALTY EXCHANGE OF FLORIDA | Jul 2026 | $1,900,000 | $537 | 5/5 | 3,536 | 4 | 0.1 |
| 17 Oak View Circle E, Palm Coast, FL 32137Listed by GREAT EXPECTATIONS REALTY | Dec 2025 | $1,095,000 | $314 | 3/3.5 | 3,484 | 3 | 0.3 |
| 12 Oak View Circle E, Palm Coast, FL 32137Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Oct 2025 | $975,000 | $367 | 4/3 | 2,656 | 2 | 0.3 |
| 3 Flagship Court, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUP | Oct 2026 | $1,290,000 | $306 | 4/3.5 | 4,220 | 83 | 0.5 |
| 27 Atlantic Place, Palm Coast, FL 32137Listed by REAL BROKER LLC | Jun 2025 | $1,199,000 | $317 | 4/4 | 3,787 | 562 | 0.8 |
| 34 Ocean Ridge Boulevard S, Palm Coast, FL 32137Listed by KELLER WILLIAMS ST JOHNS | Jul 2025 | $2,575,000 | $648 | 4/4 | 3,975 | 10 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HAMMOCK REAL ESTATE GROUP
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
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