2841 S CENTRAL AVENUE, FLAGLER BEACH, FL, 32136
Active74 days on marketListed May 10, 2026MLS #FC318440
About this home
2841 S CENTRAL AVENUE
Airbnb ACTIVE SHORT TERM RENTAL PERMIT! Coastal Investment Opportunity in Flagler Beach Welcome to your dream beachside escape in the charming golf cart-friendly town of Flagler Beach! This beautifully updated 4-bedroom, 3.5-bath concrete block home offers the perfect blend of luxury coastal living and proven income potential with an active short-term rental permit already in place listed on Airbnb and vacation rentals. Ideally located directly across historic State Road A1A from the beach, this spacious open-concept home features breathtaking ocean views, abundant natural light, and plenty of room for large vacation groups or multi-generational living. Whether you’re searching for a profitable investment property, second home, or full-time beach retreat, this property checks every box. Vacationers and homeowners alike will love being within walking distance to a beloved local restaurant, scenic parks, and outdoor adventures. Nearby Gamble Rogers Memorial State Recreation Area offers hiking trails, kayaking, canoeing, fishing, and unforgettable natural beauty right at your doorstep. Located near the end of a quiet dead-end street, this home provides added privacy while still being just a golf cart ride away from downtown Flagler Beach’s shops, restaurants, entertainment, and beachfront atmosphere. Property Highlights: Active Airbnb / short-term rental permit Income-producing investment opportunity 4 Bedrooms | 3.5 Bathrooms Durable concrete block construction Beautifully updated interior Open floor plan ideal for entertaining Ocean views throughout Walkable beach access Golf cart-friendly community Near parks, fishing, kayaking, and hiking Quiet dead-end street location Excellent vacation rental potential Live the coastal lifestyle while generating income while you're away in one of Florida’s most desirable beach communities!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,909
Sqft
0.09 ac
Lot size
2
Garage
2004
Year built
Three Or More
Levels
$376
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 and the real association fee — not generic estimates.
$7,608 /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
$7,608/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
$376 vs $313
Days on market
74 vs 68 typical
Where $376/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 143% 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 2841 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 · Dec ’25$1,000,000
2569 PALM AVENUE
3 bd · 2.5 ba · 2,985 sqft · $335/sqft · 77 DOM
Sold · Sep ’25$850,000
601 CUMBERLAND DRIVE
4 bd · 4 ba · 3,084 sqft · $276/sqft · 57 DOM
Sold · Apr ’26$1,240,000
604 SPRINGDALE DRIVE
3 bd · 3.5 ba · 3,095 sqft · $401/sqft · 242 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 2841 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 2841 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
2841 S CENTRAL AVENUE FAQs
What would the monthly payment be for 2841 S CENTRAL AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,608/mo — principal and interest, the actual property-tax bill, the $10/mo association fee 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.
How much are the HOA fees at 2841 S CENTRAL AVENUE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2841 S CENTRAL AVENUE?+
The most recent tax bill on record (2024) was $13,422. 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 2841 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 $1,095,000, this home is listed about 88% 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 2841 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
Four things that matter here
01Positioned at the premium end
$1,095,000 runs 143% above the FLAGLER BEACH 32136 median — but at 2,909 sqft it's also 42% larger than the typical Flagler Beach listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
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 $1,299,000, now $1,095,000 — a $204K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of STILES REAL ESTATE CO. · Robert Stiles. MLS #FC318440.
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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