119 N PALMETTO AVENUE, FLAGLER BEACH, FL, 32136
Active69 days on marketListed May 28, 2026MLS #FC318433
About this home
119 N PALMETTO AVENUE
NEW ROOF JUST INSTALLED — Waterfront Living at an Incredible Value! If you've been waiting for the perfect waterfront home in Flagler Beach, this is your opportunity. With a brand-new roof, new private dock, and direct canal access to the Intracoastal Waterway, this move-in-ready property delivers the Florida lifestyle buyers dream about—just four blocks from the beach. Picture mornings with coffee overlooking the water, afternoons spent boating, fishing, kayaking, or paddleboarding from your own backyard, and evenings gathered around the fire pit watching breathtaking Florida sunsets. When you're ready to head into town, Flagler Beach's popular restaurants, local shops, live music, and community events are just a short walk or bike ride away. What truly sets this property apart is the oversized homesite—a rare find this close to the ocean. There's room for everything with dedicated RV parking complete with hookups, space for your boat and trailer, a fully fenced backyard, and a beautifully designed paver patio that's perfect for entertaining or simply relaxing outdoors. Inside, the home has been thoughtfully updated for modern comfort with refreshed bathrooms, stylish lighting, newer kitchen appliances including a new range, a tankless water heater, private well irrigation, newer fencing, and an energy-efficient four-zone mini-split HVAC system with dual compressors for personalized comfort throughout. Whether you're looking for a full-time residence, a weekend coastal escape, or a high-demand vacation rental, this property offers exceptional versatility and value. Major improvements have already been completed, allowing you to move in and immediately enjoy the waterfront lifestyle. Waterfront homes this close to both the Intracoastal and the Atlantic are increasingly hard to find. Don't miss your chance to own one of Flagler Beach's best lifestyle properties. Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
900
Sqft
0.23 ac
Lot size
1
Garage
1960
Year built
One
Levels
$598
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.
$4,080 /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
$4,080/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.
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
$598 vs $315
Days on market
69 vs 63 typical
Where $598/sqft sits among the 121 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
$446K → $537K
Flagler Beach median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
56 of 121
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 24% 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 119 N PALMETTO AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$420,000
101 PARK BOULEVARD S UNIT 307 · same community
2 bd · 2 ba · 967 sqft · $434/sqft · 6 DOM
Sold · Nov ’25$610,000
142 AVALON AVENUE · same community
3 bd · 3 ba · 2,167 sqft · $281/sqft · 131 DOM
Sold · Nov ’25$550,000
155 AVALON AVENUE · same community
3 bd · 2 ba · 2,580 sqft · $213/sqft · 233 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 119 N PALMETTO AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 119 N PALMETTO 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
119 N PALMETTO AVENUE FAQs
What would the monthly payment be for 119 N PALMETTO AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,080/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 119 N PALMETTO AVENUE?+
The most recent tax bill on record (2025) was $6,194. 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 119 N PALMETTO 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 $537,775, this home is listed about 3% below the Flagler Beach median of $556,995. The market section on this page shows how the area is trending.
Which schools are assigned to 119 N PALMETTO 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
01Positioned at the premium end
$537,775 runs 24% above the FLAGLER BEACH 32136 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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 $550,000, now $537,775 — a $12K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS, CAMERON & CO., REALTORS · Cynthia Beaudry. MLS #FC318433.
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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