200 OCEAN CREST DRIVE UNIT 408, PALM COAST, FL, 32137
Active7 days on marketListed Jul 30, 2026MLS #FC320248
About this home
200 OCEAN CREST DRIVE UNIT 408
Coastal luxury living in Hammock Beach Resort! This beautifully appointed 3BR/3BA condo on the 4th floor (Unit 408) offers stunning ocean and golf course views, a spacious layout, and access to exceptional resort amenities. The open-concept living area is filled with natural light and flows seamlessly to a private balcony—perfect for enjoying ocean breezes and sunrise views. The gourmet kitchen features granite countertops, upgraded cabinetry and stainless-steel appliances. The primary suite offers a peaceful retreat with balcony access and a spa-style bath complete with soaking tub, walk-in shower, and dual vanities. Two additional guest suites, each with a private bathroom, provide comfort and privacy for family, guests, or rental use. Located within the Hammock Beach Rental Program (membership required), this property is well-suited as a primary residence, vacation home, or investment opportunity. Conveniently close to dining, shopping, and just a short drive to historic St. Augustine. Resort-style amenities include oceanfront pools, lazy river, championship golf, fitness center, spa, on-site dining, tennis and pickleball courts, private beach access, and gated security. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,676
Sqft
3.6 ac
Lot size
1
Garage
2003
Year built
One
Levels
$433
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.
$6,531 /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
$6,531/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
−13.9%
$/sqft vs Palm Coast actives
$433 vs $222
Days on market
7 vs 50 typical
Where $433/sqft sits among the 400 Palm Coast actives
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)
185 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 89% 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 200 OCEAN CREST DRIVE UNIT 408
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$650,000
200 OCEAN CREST DR UNIT 117 · same community
3 bd · 3 ba · 1,676 sqft · $388/sqft · 140 DOM
Sold · Apr ’26$710,000
200 OCEAN CREST DRIVE UNIT 605 · same community
3 bd · 3 ba · 1,435 sqft · $495/sqft · 94 DOM
Sold · Aug ’26$567,500
6 CROSSLEAF COURT E
3 bd · 2 ba · 1,635 sqft · $347/sqft · 375 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 200 OCEAN CREST DRIVE UNIT 408 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 200 OCEAN CREST DRIVE UNIT 408 — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
200 OCEAN CREST DRIVE UNIT 408 FAQs
What would the monthly payment be for 200 OCEAN CREST DRIVE UNIT 408?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,531/mo — principal and interest, the actual property-tax bill, the $1,571/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 200 OCEAN CREST DRIVE UNIT 408?+
The association fee works out to $1,571 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 200 OCEAN CREST DRIVE UNIT 408?+
The most recent tax bill on record (2025) was $7,392. 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 200 OCEAN CREST DRIVE UNIT 408?+
The listing reports pets: Breed Restrictions. 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 $725,000, this home is listed about 81% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 200 OCEAN CREST DRIVE UNIT 408?+
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
Five things that matter here
01Positioned at the premium end
$725,000 runs 89% above the PALM COAST 32137 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,571/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 7 days on market in a Palm Coast market that averages 50 — if it fits, move quickly.
05Strong 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 FLORIDA DREAMS PROPERTIES INC · ZINAIDA BARRA. MLS #FC320248.
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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