3651 S CENTRAL AVE UNIT 312, FLAGLER BEACH, FL, 32136
Active874 days on marketListed Mar 1, 2024MLS #FC298560
About this home
3651 S CENTRAL AVE UNIT 312
LOCATION LOCATION LOCATION * CENTER LOCATION * within the Building! Does Not get Sweeter than this! MUST SEA! Three Bedrooms/ Two Full Baths/ Outer Enclosed Balcony with Automatic Hurricane Shutter Provided! NEW SEAWALL and ADDED SCENIC PALM TREES! ALL SITE TESTING COMPLETE! NO SPECIAL ASSESSMENTS ON THE CALENDAR! FLAGLER BEACH! TOP FLOOR! Three Stories! HIGH END Furnishings Convey! There is a Murphy Bed in the guest bedroom! Laundry Facilities In-House! Elevator OPENS at the Front Door! Separate Single Garage On-Site! The MOST Beautiful Views of the Atlantic Ocean from the Screened Patio! Top Floor/ Central LOCATION in the Building! So Spacious FEELS LIKE HOME! Bring Your Toothbrush! CLEAR WINDOWS OVERLOOKING THE ATLANTIC OCEAN! SEA the POOL! OFFERS WELCOME!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,377
Sqft
0.04 ac
Lot size
1
Garage
2002
Year built
Three Or More
Levels
$348
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.
$4,702 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,702/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
Where it sits
Inside Flagler Beach
Get to know Flagler Beach. See the full Flagler Beach guide →
FLAGLER BEACH 32136 — neighborhood snapshot
Population
8,303
Median age
59.8
Median income
$72,589
Median home value
$438,300
Avg household
2.09
Households w/ children
609
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Flagler Beach market
$517K → $525K
Flagler Beach median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
Median sold price, Flagler Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% above the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →
Paper trail
This home's history
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3651 S CENTRAL AVE UNIT 312 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3651 S CENTRAL AVE UNIT 312 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
3651 S CENTRAL AVE UNIT 312 FAQs
What would the monthly payment be for 3651 S CENTRAL AVE UNIT 312?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,702/mo — principal and interest, the actual property-tax bill, the $1,000/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 3651 S CENTRAL AVE UNIT 312?+
The association fee works out to $1,000 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3651 S CENTRAL AVE UNIT 312?+
The most recent tax bill on record (2022) was $6,124. 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 3651 S CENTRAL AVE UNIT 312?+
The listing reports pets: Size Limit. 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 Flagler Beach?+
At $479,000, this home is listed about 18% below the Flagler Beach median of $581,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3651 S CENTRAL AVE UNIT 312?+
Old Kings Elementary School (elementary), Flagler-Palm Coast High School (high), Buddy Taylor Middle School (middle) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Know the monthly fee
The association fee is $1,000/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
874 days on market against a Flagler Beach median of 68 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Old Kings Elementary School, Flagler-Palm Coast High School, Buddy Taylor Middle School — Old Kings Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $525,000, now $479,000 — a $46K cut. The full history is in the market section below.
Listing courtesy of FLAGLER REALTY, INC. · Teri King. MLS #FC298560.
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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