200 Cinnamon Beach Way #122, Palm Coast, FL 32137
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 18, 2026, 200 Cinnamon Beach Way #122 in Ocean Hammock, Palm Coast is listed at $499,000 (1,682 sq ft, about $297 per sq ft). That is 69% below 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 38%. It has been 209 days on market, longer than the community's typical 70 days to contract. Listing facts: built in 2005, HOA dues of $163/mo, a CDD assessment of about $110/yr. 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.
- CDD assessment ~$110/yr
- Built 2005 · 21 yrs
- 1,682 sq ft of living area
- 2-car garage
- 209 days on market
- HOA $163/mo (per listing)
About this home
Under contract-accepting backup offers. Priced to Sell!! Fully Refreshed, Impeccably Clean, Completely Turnkey!
Step inside this beautifully updated Cinnamon Beach ocean-view condominium and immediately feel the difference. From the moment you enter, the space feels light, bright, and thoughtfully remodeled — with new luxury flooring, crisp fresh paint throughout, and designer furnishings that create a calm, cohesive coastal aesthetic. The kitchen is polished and inviting, featuring solid wood cabinetry, granite countertops, and stainless steel appliances including a smooth-top range and built-in microwave.
Recessed lighting keeps everything bright and airy, while the raised breakfast bar with decorative corbels and a wide pass-through opening connects effortlessly to the dining space. The dining area is perfectly positioned beneath an elegant chandelier, with room for ample dining seating. From here, the layout flows seamlessly into the living room, where crown molding, soft neutral walls, and a generous living area provide plenty of space for families or entertaining guests.
Natural light pours in through sliding glass doors, reinforcing the fresh, well-maintained feel throughout. Step outside to your private balcony — an extension of the living space. Through the large sliding glass doors and white railing, you’ll enjoy elevated views of the lush golf course framed by swaying palms, with the Atlantic Ocean shimmering just beyond.
There is plenty of room for outdoor dining, making this the perfect setting for sunrise coffee or evening relaxation. The primary suite continues the clean, coastal theme with luxury vinyl plank flooring and soft neutral window treatments. A large window and sliding glass doors offer peaceful views of tropical greenery and the ocean beyond, while a ceiling fan adds comfort year-round.
The primary bathroom feels spa-inspired and pristine, highlighted by dual vanities with generous counter space, full-width wall mirrors that amplify light, and warm tile detailing throughout. A glass-enclosed walk-in shower and deep soaking tub provide both functionality and relaxation, while updated lighting keeps the space bright and refreshed. Two guest bedrooms offer comfortable accommodations for family and visitors, ensuring privacy while maintaining the same cohesive, clean aesthetic throughout the home.
Unassigned covered parking and dedicated storage locker provide convenience and practicality. Cinnamon Beach Condo owners also have access to the incredible neighborhood amenities, including 2 pools (one oceanfront, one lakeside), game room, fitness center, lounge with pool table, and a cafe that is open seasonally and serves a variety of delicious bites and wine/beer beverages. Whether you're seeking a personal coastal retreat, a fully turnkey rental investment, or full-time resort-style living, this freshly updated condo offers a rare combination of clean design, ocean views, and effortless ownership.
Every detail feels cared for. Every space feels refreshed. And every day here truly feels like vacation.
Don't delay!
Description provided by HAMMOCK REAL ESTATE GROUP 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 $2,764/mo 75%
- Taxes $548/mo 15%
- Insurance $204/mo 6%
- HOA $163/mo 4%
- CDD $9/mo 0%
$3,688/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.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 200 Cinnamon Beach Way #122
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.
| Property tax | The current owner's bill is about $5,850/yr (certified county roll, taxable value × millage). Buy at the asking price of $499,000 and the first-year bill resets to about $6,575/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 14.65 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| CDD / special assessments | About $110/yr, the figure on file for this community; the listing record does not state its own. |
| HOA dues | $163/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 $1,500–$3,500/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 2005. An original roof would be about 21 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. |
Estimated carrying cost at the asking price, before the mortgage: about $856/month (tax $548, CDD $9, HOA $163, insurance $136). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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
- 2005BuiltPer public record
- About Mar 2026Listed (per MLS)MLS reports 209 cumulative days on market as of October 18, 2026
- Jul 10, 2026First seen on movewithmomentum.comObserved at $549,000
- Sep 5, 2026Price cut$499,000 (-$50,000, -9.1%)
- 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 1,682 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 18, 2026.
Momentum Property Score
75/100 is strong 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
🟡 Asking $297 per square foot, about 38% 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.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 18, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by HAMMOCK REAL ESTATE GROUP · MLS # FC315609
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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.
See schools in the OCEAN HAMMOCK guide → · 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 200 Cinnamon Beach Way #122, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2005 (21 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
- A CDD assessment of about $110/yr is on record: confirm the bond balance and remaining term with the district; it appears on the tax bill.
- 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.
- Listed living area is 1,682 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 $6,575/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $725 more per year than the current owner’s estimated bill (+12%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 18, 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 | Certified county tax roll (parcel-matched) × county millage; 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 200 Cinnamon Beach Way #122 and when was it built?
Per the listing record, 200 Cinnamon Beach Way #122 was built in 2005 and has 1,682 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 200 Cinnamon Beach Way #122 in?
200 Cinnamon Beach Way #122 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 200 Cinnamon Beach Way #122 have an HOA, and how much are the dues?
The listing reports HOA dues of $163 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
What is a CDD fee?
A Community Development District fee funds a community's roads, amenities, and infrastructure through a bond and appears on the annual tax bill. This parcel shows a CDD assessment of about $110 per year; confirm the exact figure with the county.
Why might property taxes on 200 Cinnamon Beach Way #122 differ from the current owner's?
The estimate on this page (about $6,575 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $725 more per year than the current owner’s estimated bill (+12%). 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.
Are short-term rentals allowed at 200 Cinnamon Beach Way #122?
Many communities restrict short-term rentals, and city/county rules also apply. Confirm the current HOA/CDD rules and local ordinances directly before assuming any rental use.
Is 200 Cinnamon Beach Way #122 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.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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.