3500 S OCEAN SHORE BOULEVARD UNIT 109, FLAGLER BEACH, FL, 32136
Active53 days on marketListed Jun 10, 2026MLS #FC319205
About this home
3500 S OCEAN SHORE BOULEVARD UNIT 109
This versatile coastal two bedroom/2 bathrooms retreat offers endless opportunities as an investment rental, personal Beachside escape or combination of the two! Fully furnished and features a rare short-term rental license in Flagler Beach, this unit is ready to enjoy from day one. Ocean Beach Club One (OBC!) what is private dog – friendly beach access. Tennis/Pickleball, grills, and the largest pool in Flagler Beach. Recent update to the unit include a new HVAC.(2026), water heater*2026), dishwasher and stove (2024), fresh paint and ceiling fan. HOA fee cable, Internet, Water, Pest Control, and the maintenance/maintenancing of all common areas and amenities. Ideally located near Gamble Rogers State Park with Daytona and St Augustine approximately 30 minutes away, this is your opportunity to own a personal piece of Paradise.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,107
Sqft
0.03 ac
Lot size
1976
Year built
One
Levels
$296
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.
$3,371 /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
$3,371/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.
vs edgeAI estimate
+5.9%
$/sqft vs Flagler Beach actives
$296 vs $322
Days on market
53 vs 68 typical
Where $296/sqft sits among the 127 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)
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 26% below the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 3500 S OCEAN SHORE BOULEVARD UNIT 109
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$615,000
3510 S OCEAN SHORE BOULEVARD UNIT 406
2 bd · 2 ba · 1,107 sqft · $556/sqft · 6 DOM
Sold · Apr ’26$356,000
3510 S OCEAN SHORE BOULEVARD UNIT 109
2 bd · 2 ba · 1,107 sqft · $322/sqft · 120 DOM
Sold · Aug ’25$280,000
3500 S OCEAN SHORE BOULEVARD UNIT 107
2 bd · 2 ba · 1,107 sqft · $253/sqft · 426 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 3500 S OCEAN SHORE BOULEVARD UNIT 109 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3500 S OCEAN SHORE BOULEVARD UNIT 109 — 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
3500 S OCEAN SHORE BOULEVARD UNIT 109 FAQs
What would the monthly payment be for 3500 S OCEAN SHORE BOULEVARD UNIT 109?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,371/mo — principal and interest, the actual property-tax bill, the $675/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 3500 S OCEAN SHORE BOULEVARD UNIT 109?+
The association fee works out to $675 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3500 S OCEAN SHORE BOULEVARD UNIT 109?+
The most recent tax bill on record (2025) was $5,563. 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 3500 S OCEAN SHORE BOULEVARD UNIT 109?+
The listing reports pets: Yes. 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 $327,500, this home is listed about 44% 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 3500 S OCEAN SHORE BOULEVARD UNIT 109?+
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
01Under the FLAGLER BEACH 32136 market on paper
$327,500 is 26% below the FLAGLER BEACH 32136 median of $440,000, and at $296/sqft it sits under the Flagler Beach average of $351.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $675/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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.
Keep looking
Similar homes nearby
Listing courtesy of TAVOLACCI REALTY · David Hux. MLS #FC319205.
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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