Ocean Hammock vs Palm Harbor (F-Section)
Two Flagler communities, compared on the numbers that decide it — price, pace, and supply — from live MLS data as of 2026-09-19.
| Metric | Ocean Hammock | Palm Harbor (F-Section) |
|---|---|---|
| Median sale price | $1.62M | $410K |
| Price per sq ft | $482 | $230 |
| Avg days on market | 440 days | 117 days |
| Months of supply | 9.0 mo | 4.3 mo |
| Market | Buyer-Leaning Market (limited data) | Buyer-Leaning Market |
| 1-year price change | -10% | -20% |
| Recent closings | 4 | 25 |
The verdict
Ocean Hammock carries the higher median price — about 295% above Palm Harbor (F-Section). Homes in Palm Harbor (F-Section) sell faster (117 days on market vs 440). Palm Harbor (F-Section) is the tighter market on inventory (4.3 months of supply).
Where each one is
| Ocean Hammock | Palm Harbor (F-Section) | |
|---|---|---|
| County | Flagler County, FL | Flagler County, FL |
| City / area | Palm Coast | Palm Coast |
| ZIP | 32137 | 32137 |
| FEMA flood zones (sampled parcels) | not enough parcels sampled | all 20 sampled homes outside a flood zone |
Distances are straight-line; driving distance is usually 15 to 30 percent more. Flood-zone shares come from FEMA flood maps matched to sampled parcels; always check the exact address before you close.
What is for sale today
| Ocean Hammock | Palm Harbor (F-Section) | |
|---|---|---|
| Homes for sale now | 3 | 9 |
| Under contract | 0 | 0 |
| Asking prices today | $649K to $1.43M | $299K to $738K |
| Property types listed | Condominium, Single Family Residence | Condominium, Single Family Residence |
Live MLS counts, refreshed with every listing pull. Browse them: Ocean Hammock homes for sale · Palm Harbor (F-Section) homes for sale.
Price history, year by year
| Year | Ocean Hammock median | Palm Harbor (F-Section) median |
|---|---|---|
| 2012 | $382K (6 sales) | $175K (20 sales) |
| 2013 | $397K (3 sales) | $140K (33 sales) |
| 2015 | $550K (3 sales) | $175K (34 sales) |
| 2016 | $858K (4 sales) | $234K (54 sales) |
| 2017 | $425K (15 sales) | $215K (53 sales) |
| 2018 | $448K (14 sales) | $256K (58 sales) |
| 2019 | $510K (26 sales) | $257K (53 sales) |
| 2020 | $650K (11 sales) | $300K (81 sales) |
| 2021 | $580K (16 sales) | $328K (54 sales) |
| 2022 | $775K (9 sales) | $415K (31 sales) |
| 2023 | $995K (17 sales) | $450K (37 sales) |
| 2024 | $1.11M (8 sales) | $405K (31 sales) |
| 2025 | $820K (7 sales) | $397K (28 sales) |
| 2026 | $1.62M (4 sales) | $483K (31 sales) |
Since 2012, Ocean Hammock's median sale price is +324% and Palm Harbor (F-Section)'s is +176% — Ocean Hammock has appreciated faster over that stretch.
How each one trades
| Ocean Hammock | Palm Harbor (F-Section) | |
|---|---|---|
| Sale-to-original-list | 88.0% | 95.2% |
| New-construction share of sales | 0% | 13% |
| Typical sold home | 4,308 sq ft | 1,908 sq ft |
| Momentum market-heat score | 66 (hot) | 51 (normal) |
Last 12 months of recorded closings; sale-to-original-list is the share of the first asking price sellers actually got.
Schools the listings are zoned for
| Ocean Hammock | Palm Harbor (F-Section) | |
|---|---|---|
| Elementary | Old Kings | Old Kings |
| Middle | Indian Trails | Indian Trails |
| High school | Matanzas | Matanzas |
The school most often recorded on each community's MLS listings. Always confirm a specific address with the district.
Which one fits
On budget alone, Palm Harbor (F-Section) is the lower entry point (median $410K vs $1.62M). Sellers get a faster sale in Palm Harbor (F-Section) (117 days on market on average); buyers get more negotiating room where homes sit longer.
Neither number set decides it: drive both on a weekday evening, check the HOA documents and the flood zone for the exact street, and price the insurance before you write an offer. A Momentum agent who works both communities can pull the comparable sales for any two specific homes.
Questions people ask
Is Ocean Hammock more expensive than Palm Harbor (F-Section)?
Yes, on recent sales: the median sale price in Ocean Hammock is $1,620,000 versus $410,000 in Palm Harbor (F-Section), about 295% higher.
Which has appreciated more, Ocean Hammock or Palm Harbor (F-Section)?
From 2012 to 2026 the median sale price rose 324% in Ocean Hammock and 176% in Palm Harbor (F-Section) (recorded MLS closings by calendar year).
Where do sellers get closer to asking price?
Palm Harbor (F-Section) — sellers there received 95.2% of the original list price over the last 12 months versus 88.0% in Ocean Hammock.
What high schools serve Ocean Hammock and Palm Harbor (F-Section)?
Listings in Ocean Hammock most often report Matanzas; listings in Palm Harbor (F-Section) report Matanzas. Zoning is set by the district and can change - verify by address.
Go deeper on each: Ocean Hammock homes, photos & schools · Palm Harbor (F-Section) homes, photos & schools
Figures are aggregates from realMLS / DBAAR, updated regularly. Thinking about either? Talk to Momentum Realty.