1224 S CENTRAL AVENUE, FLAGLER BEACH, FL, 32136
Active167 days on marketListed Feb 7, 2026MLS #FC315856
Come see it
Upcoming open house
Sun, Jul 26
12:00 PM – 2:00 PM
About this home
1224 S CENTRAL AVENUE
Set on natural elevation along highly sought-after Central Avenue, this coastal home captures refreshing ocean breezes and an unbeatable beachside lifestyle just one block from the Atlantic Ocean. The spacious living room features a wood-burning fireplace, while easy-to-maintain tile flooring runs throughout the home. The updated kitchen offers wood cabinetry, granite countertops, a tile backsplash, and stainless steel appliances. The primary en-suite includes a dual-sink vanity, walk-in shower, water closet, and a large walk-in closet. With a private entrance and paved courtyard, the suite is ideal for an in-law setup or guest retreat. A wood-paneled dining room with French doors opens to a relaxed, resort-style backyard complete with a heated saltwater pool, paver patio for lounging or dining, covered in custom built pergola, cozy fire pit area, sauna, and outdoor shower and extra storage for pool equipment and water toys. A large shed offers flexibility as a pool cabana or workshop. Perfect backyard oasis for entertaining. A private rear easement features a gated second driveway, providing secure parking for an RV, golf cart, trailer, or boat—all fully fenced for privacy. Located just minutes from local dining, shopping, and the pier, this home delivers the best of coastal living. All information in the MLS is intended to be accurate but cannot be guaranteed.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,364
Sqft
0.17 ac
Lot size
1957
Year built
One
Levels
$483
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.
$4,387 /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
$4,387/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.
vs edgeAI estimate
+40%
$/sqft vs Flagler Beach actives
$483 vs $313
Days on market
167 vs 68 typical
Where $483/sqft sits among the 125 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)
60 of 125
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 46% 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 1224 S CENTRAL AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$480,000
322 N 5TH STREET · same community
3 bd · 2 ba · 1,352 sqft · $355/sqft · 0 DOM
Sold · Aug ’25$577,000
312 N 6TH STREET · same community
2 bd · 2 ba · 1,385 sqft · $417/sqft · 113 DOM
Sold · Nov ’25$475,000
1203 S CENTRAL AVENUE · same community
3 bd · 2 ba · 1,387 sqft · $342/sqft · 56 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 1224 S CENTRAL AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1224 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.
Straight answers
1224 S CENTRAL AVENUE FAQs
What would the monthly payment be for 1224 S CENTRAL AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,387/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 1224 S CENTRAL AVENUE?+
The most recent tax bill on record (2025) was $5,088. 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 1224 S CENTRAL AVENUE?+
The listing reports pets: Cats OK, Dogs OK. 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 $659,000, this home is listed about 13% 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 1224 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
Five things that matter here
01Positioned at the premium end
$659,000 runs 46% above the FLAGLER BEACH 32136 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 $699,000, now $659,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS, CAMERON & CO., REALTORS · Deborah Morfis. MLS #FC315856.
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 1224 S CENTRAL AVENUE 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 →