1922 N CENTRAL AVENUE, FLAGLER BEACH, FL, 32136
Active169 days on marketListed Feb 5, 2026MLS #FC315898
About this home
1922 N CENTRAL AVENUE
Wonderful lot located on N Ocean Shore BLVD in Flagler Beach offering unobstructed ocean views. The lot extends from Ocean Shore BLVD to N. Central Ave, meaning your driveway and garage can enter from the rear, leaving the front available to create amazing ocean views. A local builder has offered to build a nicely appointed, 2,500 L.S.F home with concrete pillars and include high impact glass and code compliant features for $899,000 which is a total of $1,399,000 for a home/lot package or bring your own builder - a great value. Call for details and plans. Flagler Beach is on fire and ocean front lots are disappearing fast! As an added bonus, the sale also includes a 50" littoral parcel on the east side of A1A located 2 lots to the North # 36-11-31-5630-000150-0180 Call for details
Facts & features
The home at a glance
0.13 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 — not generic estimates.
$3,750 /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
$3,750/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 8% 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 1922 N 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 · Jan ’26$382,790
334 PALM CIRCLE
2 bd · 2 ba · 1,086 sqft · $352/sqft · 185 DOM
Sold · Sep ’25$540,000
320 N 7TH STREET
2 bd · 2 ba · 1,310 sqft · $412/sqft · 140 DOM
Sold · Dec ’25$645,000
301 N 8TH STREET
3 bd · 2 ba · 1,333 sqft · $484/sqft · 45 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 1922 N CENTRAL AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1922 N 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
1922 N CENTRAL AVENUE FAQs
What would the monthly payment be for 1922 N CENTRAL AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,750/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 1922 N CENTRAL AVENUE?+
The most recent tax bill on record (2025) was $6,317. 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 $484,000, this home is listed about 17% 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 1922 N 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
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Time on market is leverage
169 days on market against a Flagler Beach median of 68 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $575,000, now $484,000 — a $91K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ATLANTIC OCEAN REALTY · George Whelan. MLS #FC315898.
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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