David Ramirez
$425,0002 bd2.5 ba1,581 sqft$269 /sqft$3,156 /mo all-in ↓

3501 S CENTRAL AVENUE, FLAGLER BEACH, FL, 32136

Active353 days on marketListed Aug 4, 2025MLS #FC311669

Priced 6% below the FLAGLER BEACH 32136 medianTownhouseGOLFVIEW ON THE OCEAN PARCEL

About this home

3501 S CENTRAL AVENUE

LOOKING FOR A PROPERTY THAT HAS A SHORT-TERM LICENSE !!!!!!!!Welcome to Flagler Beach Florida! THIS PROPERTY HAS MILTIPLE Views of the GOLF COURSE, AND THE OCEAN, Great location, with no HOA, Introducing this beautiful townhouse with 2-bedroom 2,5 bath home with 1 car garage. offers a blend of modern amenities and stylish design. From the second-floor balcony, you can enjoy ocean views. and in the rear of the house direct access to TWELVE -hole golf course and view of the intracoastal. Master bathroom complete with a separate sink area enhancing convenience and privacy. Freshly Painted, all new Appliances, all bedrooms are well-sized, ideal for family with 3 Skylights throughout the home brings natural light. NEW flooring has been recently upgraded to Laminate; For those cozy nights the fireplace will keep you warm. Additional features include NEW hurricane impact windows for a safety 2024, NEW Roof 2024 New hurricane rated Garage Door and Opener, YOU WILL LOVE EVERYTHING ABOUT THIS HOME!!! YOU MUST SEE IT!!! Don't miss the opportunity to live in Flagler Beach (WALKING DISTANCE TO THE BEACH). Not far from restaurants, shopping, schools, and medical facilities! Quick access to I95 or US1 to travel North to St Augustine or South to Volusia County. READY TO MOVE RIGHT IN!!! WALKING DISTINCE TO THE BEACH!!

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,581

Sqft

0.02 ac

Lot size

1

Garage

1983

Year built

Two

Levels

$269

Per sqft

FireplaceGolf Course & Water viewPets allowed

Inside

FlooringLaminate · Luxury Vinyl · Tile
AppliancesCooktop · Dishwasher · Electric Water Heater · Exhaust Fan · Range · Range Hood · Refrigerator
InteriorOther · PrimaryBedroom Upstairs · Skylight(s) · Solid Wood Cabinets · Split Bedroom · Thermostat · Tray Ceiling(s)
LaundryElectric Dryer Hookup · In Garage · Other · Washer Hookup
CoolingCentral Air
HeatingElectric · Heat Pump

Outside & construction

RoofShingle
ConstructionVinyl Siding
FoundationSlab
ViewGolf Course · Water
FacesEast
ParkingDriveway · Garage Door Opener
ExteriorBalcony · Other

Community & fees

Taxes (2024)$3,674/yr
PetsCats OK, Dogs OK, Yes
CommunityNone

Utilities & systems

UtilitiesCable Available · Electricity Available · Electricity Connected · Phone Available · Public · Sewer Available · Sewer Connected · Underground Utilities · Water Available · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,156 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,502
FHA mortgage insurance (est.)$188
Property tax — 2024 actual bill$306
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,875Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,875
Interest rate6.00%
Loan term

Estimated payment

$3,156/mo

Principal & interest$2,502
FHA mortgage insurance (est.)$188
Property taxes (actual bill)$306
Est. insurance$160

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

Map of 3501 S CENTRAL AVENUE

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

ElementaryOld Kings Elementary School★★★★
HighFlagler-Palm Coast High School★★★★★
MiddleBuddy Taylor Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Flagler Beach market

Seller’s marketLeans buyer7.1 months of inventoryBuyer’s 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% below the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →

Paper trail

This home's history

Aug 4, 2025Listed at $425,000 · 353 days on market since
1983Built · GOLFVIEW ON THE OCEAN PARCEL

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3501 S CENTRAL AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3501 S CENTRAL AVENUE — 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.

Goes straight to David’s phone and CRM.

Straight answers

3501 S CENTRAL AVENUE FAQs

What would the monthly payment be for 3501 S CENTRAL AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,156/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 3501 S CENTRAL AVENUE?+

The most recent tax bill on record (2024) was $3,674. 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 3501 S CENTRAL AVENUE?+

The listing reports pets: Cats OK, Dogs OK, 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 Flagler Beach?+

At $425,000, this home is listed about 27% 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 3501 S CENTRAL AVENUE?+

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

Four things that matter here

01Under the FLAGLER BEACH 32136 market on paper

$425,000 is 6% below the FLAGLER BEACH 32136 median of $449,945, and at $269/sqft it sits under the Flagler Beach average of $351.

02Golf Course & Water views

The golf course and water view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

353 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.

Listing courtesy of REALTY EXECUTIVES OCEANSIDE · Salvatore Lazzano. MLS #FC311669.

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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