David Ramirez
$854,900$899,9004 bd4 ba2,838 sqft$301 /sqft$5,494 /mo all-in ↓

2738 JOHN BULL STREET, FLAGLER BEACH, FL, 32136

Active145 days on marketListed Mar 10, 2026MLS #FC316728

Reduced $45KSingle Family ResidenceATLANTA BEACH

About this home

2738 JOHN BULL STREET

Virtually Staged. Welcome to The Owl’s Perch, a beautifully updated coastal home tucked among mature hammock oaks and swaying palms in one of Flagler Beach’s most walkable waterfront neighborhoods. Named for the great horned owls that call from the rooftop and the tiny screech owls that nest in the surrounding hammock, the property offers a peaceful, nature-rich setting that feels truly unique. This fully remodeled residence blends tropical serenity with modern comfort, creating a treetop lifestyle rarely found so close to the coast. Inside, the home features a like-new interior with Acacia hardwood flooring, ceramic tile baths, fresh paint, and thoughtfully selected fixtures throughout. Recent upgrades include all-new lighting, ceiling fans, faucets, and hardware, along with a new 2024 roof and an in-house fire sprinkler system for added peace of mind. Hurricane-impact windows and sliding doors provide full storm protection without the need for shutters—simply lock the door and go. The kitchen and primary bedroom are located on the primary floor, offering elevated views of the surrounding oaks and natural landscape. Large windows bring in abundant natural light and create a calm, tree-canopy atmosphere. Outdoor living is a highlight of this home, with multiple elevated spaces designed for relaxation and coastal breezes, including a covered third-floor deck perfect for sunsets and year-round enjoyment, three spacious balconies, and a Trex decking system with updated exterior stairways. These areas are ideal for entertaining, unwinding, or watching local wildlife. The flexible floor plan includes a dedicated office or flex room suitable for remote work or creative use, along with two oversized walk-in closets giving exceptional storage rarely found in coastal homes. The oversized garage is pristine and highly functional, featuring tall garage doors, an interior staircase, and a full bathroom—perfect for hobbies, boat storage, or a workshop. The backyard is a peaceful natural retreat surrounded by hammock oaks and tropical palms. With alleyway access, a sprinkler system, and ample room for a future pool, the space is ready to be customized to your vision. Located at 2738 John Bull St, the home sits in one of Flagler Beach’s most desirable coastal pockets. A short walk brings you to Flagler Beach with its sandy shoreline and ocean breezes, Irma Pal Park with a fishing pier and kayak launch, Silver Lake for kayaking and paddleboarding, and the Intracoastal Waterway known for brilliant evening sunsets. The location offers quiet residential charm, abundant nature, and easy access to the ocean, lake, and Intracoastal. The Owl’s Perch is more than a home—it’s a Flagler Beach lifestyle. Enjoy mornings with ocean air, afternoons under the palms, and evenings watching the sky glow from your protected third-floor deck. This beautifully updated retreat is ready to welcome its next owner.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

2,838

Sqft

0.24 ac

Lot size

6

Garage

2006

Year built

Three Or More

Levels

$301

Per sqft

Trees/Woods view

Inside

FlooringCeramic Tile · Hardwood
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Split Bedroom · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air · Zoned
HeatingElectric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · HardiPlank Type · Stucco
FoundationSlab
ViewTrees/Woods
FacesEast
ParkingAlley Access · Bath In Garage · Boat · Driveway · Garage Door Opener · Golf Cart Parking · Ground Level · Oversized · RV Parking · Workshop in Garage
ExteriorBalcony · Irrigation System · Lighting · Outdoor Shower · Private Mailbox · Storage

Community & fees

Taxes (2025)$4,810/yr
PetsCats OK, Dogs OK
CommunityGolf Carts OK

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Available · Electricity 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.

$5,494 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,613
PMI (est., until 20% equity)$321
Property tax — 2025 actual bill$401
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $85,490Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $85,490
Interest rate6.00%
Loan term

Estimated payment

$5,494/mo

Principal & interest$4,613
PMI (est., until 20% equity)$321
Property taxes (actual bill)$401
Est. insurance$160

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

$301 vs $322

Days on market

145 vs 68 typical

Where $301/sqft sits among the 127 Flagler Beach actives

37
27 · this home
21
12
18
12
$180–254$254–328$328–402$402–476$476–550$550+

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

Map of 2738 JOHN BULL STREET

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)

59 of 127

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 94% above the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $854,900 $45K
Mar 10, 2026Listed at $899,900 · 145 days on market since
2006Built · ATLANTA BEACH

Reality check

What actually sold near 2738 JOHN BULL STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2643 LAKESHORE DRIVESold · Mar ’26

$680,000

2643 LAKESHORE DRIVE · same community

3 bd · 2.5 ba · 1,720 sqft · $395/sqft · 16 DOM

2604 S DAYTONA AVENUESold · Jan ’26

$449,900

2604 S DAYTONA AVENUE · same community

3 bd · 2 ba · 1,370 sqft · $328/sqft · 158 DOM

2569 PALM AVENUESold · Dec ’25

$1,000,000

2569 PALM AVENUE

3 bd · 2.5 ba · 2,985 sqft · $335/sqft · 77 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2738 JOHN BULL STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2738 JOHN BULL STREET — 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

2738 JOHN BULL STREET FAQs

What would the monthly payment be for 2738 JOHN BULL STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,494/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 2738 JOHN BULL STREET?+

The most recent tax bill on record (2025) was $4,810. 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 2738 JOHN BULL STREET?+

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 $854,900, this home is listed about 47% 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 2738 JOHN BULL STREET?+

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

$854,900 runs 94% above the FLAGLER BEACH 32136 median — but at 2,838 sqft it's also 38% larger than the typical Flagler Beach listing.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

145 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 $899,900, now $854,900 — a $45K cut. The full history is in the market section below.

Listing courtesy of COLDWELL BANKER (HAMMOCK) · Jennifer Jewels. MLS #FC316728.

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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