38 EAGLE LAKE DRIVE, FLAGLER BEACH, FL, 32136
Active173 days on marketListed Jan 28, 2026MLS #FC315692
About this home
38 EAGLE LAKE DRIVE
OWNERS MUST SELL and willing to consider all reasonable offers. A Rare Opportunity to Own One of Flagler County’s Most Stunning Homesites – 38 Eagle Lake Dr Introducing 38 Eagle Lake Dr—a truly exceptional 5.6-acre estate lot that offers the rare combination of privacy, natural beauty, and build-ready convenience. Nestled at the very back of the serene Eagle Lakes subdivision and surrounded on three sides by expansive lakes, this parcel offers the feeling of a private island retreat while remaining minutes from town. The current owner has gone above and beyond by bringing in substantial fill dirt to elevate the homesite, ensuring it is high, dry, and entirely located in Flood Zone X. With the driveway and building pad already cleared, this property is ready for your dream home. Whether you envision a sprawling custom estate, a luxury lakefront retreat, or simply a peaceful place to enjoy the outdoors, the possibilities here are endless. Living in Eagle Lakes means embracing a slower, more intentional lifestyle while remaining close to all the conveniences of Palm Coast and Flagler Beach. Just 10 minutes to the beach and major shopping plazas, and only 5 minutes to grocery stores and I-95, this location perfectly balances rural tranquility with coastal accessibility. You'll enjoy quiet mornings with water views, evenings under starry skies, and the unique charm of Flagler Beach—a vibrant, artistic, and welcoming coastal town known for its laid-back atmosphere and strong sense of community. An added bonus: this property falls under Flagler County jurisdiction, where the millage rate is just 14.13, a significant savings compared to the 19.58 rate in the city of Flagler Beach. That means lower impact fees and long-term tax benefits—an ideal scenario for savvy buyers looking to build without unnecessary overhead. Properties like this simply don’t come along often. Don’t miss your chance to own one of the most picturesque and build-ready parcels in the area. Call today to schedule your private tour of 38 Eagle Lake Dr and discover the lifestyle you’ve been dreaming of.
Facts & features
The home at a glance
5.6 ac
Lot size
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.
$3,108 /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
$3,108/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 11% below the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 38 EAGLE LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$255,000
1 MAGNOLIA DRIVE S UNIT 1
2 bd · 2 ba · 1,300 sqft · $196/sqft · 11 DOM
Sold · Jun ’26$250,000
1 MAGNOLIA DRIVE S UNIT 1
2 bd · 2 ba · 1,300 sqft · $192/sqft · 43 DOM
Sold · Feb ’26$235,000
14 MAGNOLIA DRIVE S UNIT 14
2 bd · 2 ba · 1,300 sqft · $181/sqft · 130 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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 38 EAGLE LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38 EAGLE LAKE DRIVE — 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
38 EAGLE LAKE DRIVE FAQs
What would the monthly payment be for 38 EAGLE LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,108/mo — principal and interest, the actual property-tax bill, the $92/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 38 EAGLE LAKE DRIVE?+
The association fee works out to $92 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 38 EAGLE LAKE DRIVE?+
The most recent tax bill on record (2025) was $3,906. 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 38 EAGLE LAKE DRIVE?+
The listing reports pets: 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 $399,850, this home is listed about 31% 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 38 EAGLE LAKE DRIVE?+
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
01Under the FLAGLER BEACH 32136 market on paper
$399,850 is 11% below the FLAGLER BEACH 32136 median of $449,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
173 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 $425,000, now $399,850 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA BEACHES REAL ESTATE · Tony Garren. MLS #FC315692.
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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