39 CINNAMON BEACH WAY, PALM COAST, FL, 32137
Active70 days on marketListed May 23, 2026MLS #FC318671
About this home
39 CINNAMON BEACH WAY
Discover the opportunity to build your dream coastal retreat in this private gated oceanfront community of Cinnamon Beach. From the second and third floors of your future custom home this exceptional homesite will offer breathtaking panoramic views of the 7th hole of the renowned Jack Nicklaus Ocean Course and shimmering ponds beyond. Wake up to refreshing ocean breezes, unwind with spectacular sunsets, and enjoy the beauty of one of Florida’s most sought-after coastal communities. With no time limit to build, this premium lot is flat, cleared and ready to go. It is perfectly positioned to be near but not directly in front of the community crossover walkway. In just a short 5-minute walk, your toes can be in the sand while enjoying private beach access with an amenity rich playground including an ocean front pool, hot tub and bar. For the kids both big and small, just across the street is a lake front kiddie pool & splash zone, fitness center, game room and bistro grille/bar. Optional membership to the Hammock Beach Club unlocks access to championship golf, the spectacular fantasy pool complex, fitness, pickle ball, tennis and six additional dining venues. Adding even more value, Cinnamon Beach is the only neighborhood in Hammock Beach that allows short term vacation rentals of single-family homes making this homesite an outstanding choice for a luxury primary residence, vacation getaway, or investment property. There are only a few remaining lots before the opportunity to build your dream home and have it pay for itself will be gone. Call today for your personal tour of this beautiful community.
Facts & features
The home at a glance
0.12 ac
Lot size
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.
$2,651 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,651/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% below the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 39 CINNAMON BEACH WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$700,000
200 CINNAMON BEACH WAY UNIT 163 · same community
3 bd · 2 ba · 1,344 sqft · $521/sqft · 13 DOM
Sold · Jun ’26$410,000
1100 CINNAMON BEACH WAY UNIT 1062 · same community
3 bd · 2 ba · 1,682 sqft · $244/sqft · 153 DOM
Sold · Aug ’25$515,000
1200 CINNAMON BEACH WAY UNIT 1142 · same community
3 bd · 2 ba · 1,682 sqft · $306/sqft · 80 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 39 CINNAMON BEACH WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39 CINNAMON BEACH WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
39 CINNAMON BEACH WAY FAQs
What would the monthly payment be for 39 CINNAMON BEACH WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,651/mo — principal and interest, the actual property-tax bill, the $261/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 39 CINNAMON BEACH WAY?+
The association fee works out to $261 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 39 CINNAMON BEACH WAY?+
The most recent tax bill on record (2025) was $2,080. 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 39 CINNAMON BEACH WAY?+
The listing reports pets: Number Limit, Size Limit, Yes. 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 $325,000, this home is listed about 18% below the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 39 CINNAMON BEACH WAY?+
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
Three things that matter here
01Under the PALM COAST 32137 market on paper
$325,000 is 14% below the PALM COAST 32137 median of $379,945.
02Golf Course & Water views
The golf course and water view is part of what you're buying — views hold value independently of the structure.
03Strong 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 MORRIS WILLIAMS REALTY · Kathryn Teiro-Peter. MLS #FC318671.
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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