18 CINNAMON BEACH WAY, PALM COAST, FL, 32137
Active4 days on marketListed Jul 25, 2026MLS #FC320092
About this home
18 CINNAMON BEACH WAY
Experience Resort-Style Coastal Living Steps from the Atlantic Ocean! This exceptional custom-built 4-bedroom residence, completed in 2026, is nestled within the exclusive gated oceanfront community of Cinnamon Beach, offering the perfect blend of luxury, comfort, and effortless coastal living. Thoughtfully designed with timeless elegance and refined finishes throughout, the open-concept floor plan features soaring ceilings, abundant natural light, and seamless indoor-outdoor living. The gourmet chef’s kitchen is appointed with premium stainless-steel appliances, an oversized center island, and an expansive walk-in pantry—perfect for entertaining family and friends. The luxurious primary suite serves as a private retreat with spacious walk-in closets and a spa-inspired bath, while three additional guest bedrooms provide comfort and privacy for family and visitors. Relax in the covered outdoor living spaces overlooking beautifully landscaped grounds, or take advantage of Cinnamon Beach’s exceptional resort-style amenities, including oceanfront beach walkovers, multiple pools, a fitness center, clubhouse, and 24-hour gated security. Whether you’re searching for a full-time residence, an elegant coastal getaway, or an exceptional short-term rental investment opportunity, this remarkable home offers an unparalleled lifestyle in one of Northeast Florida’s most sought-after beachfront communities.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,609
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$415
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.
$9,201 /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
$9,201/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
−16.5%
$/sqft vs OCEAN HAMMOCK
$415 vs $446
Days on market
4 vs 47 typical
Where $415/sqft sits among the 28 homes for sale in OCEAN HAMMOCK
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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
14 of 28
OCEAN HAMMOCK have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 293% 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 18 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$1,984,500
10 HAMMOCK BEACH CIRCLE S · same community
4 bd · 3.5 ba · 3,562 sqft · $557/sqft · 97 DOM
Sold · Feb ’26$924,000
3 FLAGSHIP DRIVE · same community
3 bd · 2.5 ba · 3,666 sqft · $252/sqft · 117 DOM
Sold · Nov ’25$2,050,000
49 HAMMOCK BEACH CIRCLE S · same community
4 bd · 4.5 ba · 3,683 sqft · $557/sqft · 216 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 18 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 18 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
18 CINNAMON BEACH WAY FAQs
What would the monthly payment be for 18 CINNAMON BEACH WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,201/mo — principal and interest, the actual property-tax bill, the $193/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 18 CINNAMON BEACH WAY?+
The association fee works out to $193 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18 CINNAMON BEACH WAY?+
The most recent tax bill on record (2025) was $2,472. 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 18 CINNAMON BEACH WAY?+
The listing reports pets: 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 $1,497,500, this home is listed about 279% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 18 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
Four things that matter here
01Positioned at the premium end
$1,497,500 runs 293% above the PALM COAST 32137 median — but at 3,609 sqft it's also nearly twice the size of the typical Palm Coast listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 4 days on market in a Palm Coast market that averages 47 — if it fits, move quickly.
04Strong 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 HAMMOCK REAL ESTATE GROUP · Shelley DeVito. MLS #FC320092.
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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