18 Hammock Beach Parkway, Palm Coast, FL 32137
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 14, 2026, 18 Hammock Beach Parkway in Ocean Hammock, Palm Coast is listed at $1,790,000 (4,643 sq ft, about $386 per sq ft). That sits within a few percent of Ocean Hammock's median closed sale of $1,620,000 over the last 12 months (4 recorded sales). Per square foot it is below the community's recent $482/sq ft by about 20%. It has been 60 days on market. Listing facts: built in 2008, a private pool, HOA dues of $223/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2008 · 18 yrs
- 4,643 sq ft of living area
- 2-car garage
- 60 days on market
- HOA $223/mo (per listing)
About this home
Spanning 4,643 square feet, this 4-bedroom, 4.5-bath Ocean Hammock residence provides the space, layout, and flexibility to comfortably accommodate both family life and entertaining. A paver driveway, mature landscaping, natural shade, and a tile roof create an inviting arrival. French doors open to an interior filled with natural light, soaring ceilings, and luxury vinyl plank flooring throughout the main level.
The living room serves as the centerpiece of the home, featuring a gas fireplace and an abundance of windows that bring the outdoors in. The kitchen offers generous workspace and storage with a large center island, granite countertops, extensive cabinetry, stainless steel appliances, a gas cooktop with exhaust hood, beverage refrigerator, and casual dining area. A formal dining room provides additional space for family gatherings and special occasions.
A first-floor guest suite includes a walk-in tiled shower and direct access to the pool area. Also on the main level is a large bonus room well-suited as a media room, game room, or flexible living space, along with a separate office, half bath, and laundry corridor featuring built-in shelving, utility sink, and access to the garage. The recently refinished wood staircase leads upstairs to the primary suite, where tray ceilings, plush carpeting, a gas fireplace, and private balcony overlook the pool and golf course.
The spacious bathroom includes dual vanities, a jetted soaking tub, walk-in tiled shower, ample storage, and a large custom walk-in closet with built-in shelving and drawers. Two additional guest bedrooms are located upstairs, including one with an en-suite bathroom and private balcony. A fourth full bathroom serves the remaining bedroom and guests, while an additional laundry hookup provides added convenience.
Outdoor living is anchored by the saltwater pool and spa, recently resurfaced and enhanced with a new gas heater and pump. The expansive paver pool deck provides ample space for lounging and gathering, while the outdoor kitchen and multiple seating areas create a setting equally suited for quiet evenings or larger get-togethers. The fully fenced backyard adds privacy and flexibility for family, guests, and pets.
Recent improvements include luxury vinyl plank flooring throughout the first floor, refinished wood flooring on the staircase and upstairs hallway, replacement of one of the home's two HVAC systems, a climate-controlled garage with new mini-split system, epoxy-coated floors, built-in storage cabinets and workbench, updated dishwasher and beverage refrigerator, replacement of exterior decorative lighting, new balcony railings, and Rhino Shield exterior coating with a transferable warranty. Additional features include propane service for the pool and fireplaces, ADT security, and AT&T high-speed internet wiring throughout the home. With multiple living areas and generous outdoor space, this home offers a setting well suited for both everyday living and entertaining.
Membership at The Club at Hammock Beach provides access to multiple pools, including a lazy river and waterslide, a full-service spa, fitness center, tennis and pickleball courts, two championship golf courses, and a variety of dining venues, creating opportunities for recreation and gathering just moments from home.
Description provided by COASTAL GATEWAY REAL ESTATE GR and reproduced from the MLS; not independently verified.
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $9,915/mo 80%
- Taxes $1,566/mo 13%
- Insurance $695/mo 6%
- HOA $223/mo 2%
$12,400/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 18 Hammock Beach Parkway
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| CDD / special assessments | This listing reports $135/yr in CDD or special-district assessments on the tax bill (MLS, TaxOtherAnnualAssessmentAmount). |
|---|---|
| HOA dues | $223/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Flagler County is $1,626/yr (435 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $6,000–$12,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2008. An original roof would be about 18 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Flagler County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Flagler County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 2008BuiltPer public record
- Jul 10, 2026First seen on movewithmomentum.comObserved at $1,870,000
- Aug 4, 2026Price cut$1,790,000 (-$80,000, -4.3%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
No closed sales of a similar home within about 10 miles in Flagler County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for OCEAN HAMMOCK. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Flagler County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 4,643 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 14, 2026.
Momentum Property Score
65/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 1455.3 months of supply in the surrounding market and 60 days on market for this home, against a 53-day area median.Days on market:this home 60Area median: 53 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by Stellar MLS. As of October 14, 2026.
🟡 Asking $386 per square foot, about 20% below the community’s $482 median. OCEAN HAMMOCK’s 12-month median sold price per square foot is $482. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by COASTAL GATEWAY REAL ESTATE GR · MLS # FC318944
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Assigned schools
Schools currently assigned to this address in Flagler County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 18 Hammock Beach Parkway, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2008 (18 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $223/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Flagler County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Listed living area is 4,643 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $18,795/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 14, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Flagler County — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 18 Hammock Beach Parkway and when was it built?
Per the listing record, 18 Hammock Beach Parkway was built in 2008 and has 4,643 sq ft of living area, 4 bedrooms and 4.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 18 Hammock Beach Parkway in?
18 Hammock Beach Parkway is in Ocean Hammock in Palm Coast, Flagler County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 18 Hammock Beach Parkway have an HOA, and how much are the dues?
The listing reports HOA dues of $223 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 18 Hammock Beach Parkway differ from the current owner's?
The estimate on this page (about $18,795 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 18 Hammock Beach Parkway in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
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MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.