2656 S OCEAN SHORE BOULEVARD, FLAGLER BEACH, FL, 32136
Active167 days on marketListed Feb 7, 2026MLS #FC315733
About this home
2656 S OCEAN SHORE BOULEVARD
From A1A to Central Avenue, this oceanfront residence offers refined coastal living paired with exceptional construction and lasting durability. The property feels like a private retreat while offering ideal entertaining space with three front parking spaces and three additional in the rear, plus deeded private beach access directly in front of the home. Featuring 4 bedrooms and 3 full baths, the home showcases unobstructed Atlantic views and true beachfront living in the heart of Flagler Beach. A full 2020 remodel highlights quality craftsmanship and modern coastal finishes, with updated electrical and plumbing throughout. Designed for both comfort and resilience, the home includes quartz surfaces, a private primary suite with coffee bar and mini fridge overlooking the ocean, impact-rated “turtle glass” windows, whole-house generator, natural gas, Hardie board siding, 2017 roof, built-in AC dehumidifier, French drain system, and privacy fencing. Outdoor living is elevated with a 40-foot saltwater pool, remote-controlled fountain, outdoor kitchen, irrigation system, GFCI outlets throughout, Florida native landscaping, and low-maintenance turf for effortless upkeep. Additional highlights include littoral rights, a main-level suite with accessibility features, elevated laundry storage, security system, and seamless indoor-outdoor flow. A rare opportunity to own a fully upgraded oceanfront property built for luxury, lifestyle, and longevity in Flagler Beach.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,778
Sqft
0.18 ac
Lot size
2
Garage
1983
Year built
Three Or More
Levels
$558
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 — not generic estimates.
$9,949 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$9,949/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Flagler Beach actives
$558 vs $313
Days on market
167 vs 68 typical
Where $558/sqft sits among the 128 Flagler Beach actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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)
59 of 128
Flagler Beach actives have cut their price
Median sold price, Flagler Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 244% above the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 2656 S OCEAN SHORE BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$549,000
2717 JOHN BULL STREET · same community
3 bd · 2 ba · 1,927 sqft · $285/sqft · 33 DOM
Sold · Sep ’25$825,000
2620 S CENTRAL AVENUE · same community
3 bd · 3 ba · 1,801 sqft · $458/sqft · 14 DOM
Sold · Aug ’25$610,000
2648 S CENTRAL AVENUE · same community
2 bd · 2 ba · 1,568 sqft · $389/sqft · 150 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 2656 S OCEAN SHORE BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2656 S OCEAN SHORE BOULEVARD — 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
2656 S OCEAN SHORE BOULEVARD FAQs
What would the monthly payment be for 2656 S OCEAN SHORE BOULEVARD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,949/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 2656 S OCEAN SHORE BOULEVARD?+
The most recent tax bill on record (2025) was $10,192. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Flagler Beach?+
At $1,549,000, this home is listed about 166% above the Flagler Beach median of $581,500. The market section on this page shows how the area is trending.
Which schools are assigned to 2656 S OCEAN SHORE BOULEVARD?+
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
01Positioned at the premium end
$1,549,000 runs 244% above the FLAGLER BEACH 32136 median — but at 2,778 sqft it's also 35% larger than the typical Flagler Beach listing.
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
167 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 $1,800,000, now $1,549,000 — a $251K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY LLC (PALM COAST) · Holly Williams. MLS #FC315733.
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.
Never miss a listing
New Flagler Beach homes, in your inbox
Like 2656 S OCEAN SHORE BOULEVARD but not quite? A daily digest of every new listing in Flagler Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →