550 CINNAMON BEACH LANE, PALM COAST, FL, 32137
Active3 days on marketListed Aug 1, 2026MLS #FC319923
About this home
550 CINNAMON BEACH LANE
Perfectly positioned just steps from the Atlantic Ocean within the exclusive gated community of Cinnamon Beach, this impeccably maintained coastal retreat offers the ideal blend of luxury, comfort, and investment potential. Nestled on a quiet cul-de-sac, this exceptional residence features 4 bedrooms, 3.5 bathrooms, and 3,297 square feet of thoughtfully designed living space. Fully furnished and completely turnkey, it is equally suited as a primary residence, second home, or income-producing vacation rental. Designed for effortless entertaining, the open-concept floor plan is filled with natural light and showcases soaring ceilings, custom wood tray ceilings, expansive living areas, wood-look tile flooring, and a dramatic floor-to-ceiling stone fireplace. The chef's kitchen is beautifully appointed with a Thermador gas cooktop, Bosch and KitchenAid stainless steel appliances, custom cabinetry, granite countertops, an oversized island with seating, and abundant storage. The spacious primary suite serves as a private retreat featuring a spa-inspired bath, custom walk-in closet system with a secure owner's cabinet, and an adjoining flex room ideal for a home office, fitness area, nursery, or hobby space. Custom built-ins throughout the home provide exceptional organization and functionality. The lower-level game room offers additional living space complete with a regulation-size air hockey table, retro arcade gaming machines, a full-size refrigerator, and direct access to the outdoor living area. Step outside to your own private oasis where the screened heated pool and spa overlook a tranquil lake, creating the perfect setting to relax and entertain year-round. The covered lanai features a fully equipped summer kitchen, while the expansive upper balcony provides a peaceful place to enjoy the water views and coastal breezes. Additional premium features include electric roller shades, plantation shutters throughout, newly installed exterior pathway and lanai lighting, a custom security camera system, a pre-installed Tesla EV charger, an oversized lockable storage room off the garage complete with a Liberty safe, an oversized paver driveway, and meticulous maintenance throughout. Offering luxury finishes, enhanced privacy, exceptional amenities, and an unbeatable beachside location, this remarkable Cinnamon Beach residence delivers the very best of Florida coastal living.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,297
Sqft
0.16 ac
Lot size
2
Garage
2012
Year built
Two
Levels
$455
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.
$10,360 /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
$10,360/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
+9.5%
$/sqft vs OCEAN HAMMOCK
$455 vs $439
Days on market
3 vs 52 typical
Where $455/sqft sits among the 27 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
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
13 of 27
OCEAN HAMMOCK have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 289% 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 550 CINNAMON BEACH LANE
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$1,399,900
505 CINNAMON BEACH LANE · same community
4 bd · 4 ba · 3,231 sqft · $433/sqft · 214 DOM
Sold · Feb ’26$1,300,000
2 DRIFTWOOD LANE · same community
3 bd · 4 ba · 3,164 sqft · $411/sqft · 44 DOM
Sold · Sep ’25$1,132,000
7 SPANISH MOSS COURT · same community
3 bd · 3 ba · 3,066 sqft · $369/sqft · 54 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
Gavin Hatcher
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 550 CINNAMON BEACH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 550 CINNAMON BEACH LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Gavin's phone and CRM.
Straight answers
550 CINNAMON BEACH LANE FAQs
What would the monthly payment be for 550 CINNAMON BEACH LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,360/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 550 CINNAMON BEACH LANE?+
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 550 CINNAMON BEACH LANE?+
The most recent tax bill on record (2025) was $16,274. 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 550 CINNAMON BEACH LANE?+
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 $1,499,000, this home is listed about 275% above the Palm Coast median of $399,950. The market section on this page shows how the area is trending.
Which schools are assigned to 550 CINNAMON BEACH LANE?+
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
$1,499,000 runs 289% above the PALM COAST 32137 median — but at 3,297 sqft it's also 74% larger than the typical Palm Coast listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 3 days on market in a Palm Coast market that averages 52 — 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 COASTAL GATEWAY REAL ESTATE GR · Krista Libby. MLS #FC319923.
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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