1955 N CENTRAL AVENUE, FLAGLER BEACH, FL, 32136
Active30 days on marketListed Jun 24, 2026MLS #FC319453
About this home
1955 N CENTRAL AVENUE
OCEAN VIEWS - Step into a lifestyle defined by Atlantic Ocean vistas - this three-story coastal sanctuary blends classic Florida charm with modern luxury. Just a two-minute walk from the beach, allowing you to literally watch the Atlantic Ocean from your upstairs living spaces and expansive porches. The property showcases breathtaking double views with stunning panoramas of both the Atlantic Ocean sunrise and the Intracoastal Waterway sunset. Designed to embrace the elements, it boasts over 1,700 square feet of outdoor balconies and patios spanning all three floors, ensuring an unmatched outdoor living experience. For ultimate peace of mind, the home features hurricane-impact windows and doors, commercial-grade rolldown storm shutters on east-facing exterior doors, a durable metal roof (2017), X Flood zone and a whole-house generator. Vehicle and toy storage are equally impressive, offering a two-car garage finished with premium Shark Coatings alongside a dedicated golf cart garage. All of this is situated in a highly desirable, golf-cart-friendly community just moments away from the best local restaurants, cafes, and boutique shops. The thoughtfully designed three-story floor plan begins on the first floor, a space dedicated to flexibility and function. It features a massive bonus area ideal for a game room, media center, or home gym. It also offers excellent in-law suite potential as it can easily convert into a fifth bedroom or private guest quarters, all with direct access to the multi-car garage and covered outdoor patios. Moving to the second floor brings you to the entertaining hub of the home. The main entry welcomes you with French doors, many windows for Ocean views and light-filled open spaces. At its heart is a recently remodeled gourmet kitchen featuring upgraded stainless steel appliances, crisp white cabinetry, a stylish glass backsplash, and a convenient breakfast bar. The adjacent living and dining areas are positioned perfectly to overlook the ocean while you dine and relax, complemented by a full guest bedroom, adjacent bathroom, and spacious balconies positioned to catch the ocean breeze and Intracoastal views too. The third floor serves as the ultimate private retreat, anchored by a luxurious primary ensuite. This master sanctuary overlooks the ocean and comes complete with its own private morning coffee station. Two additional bright and airy guest rooms share a beautifully appointed full bathroom on this level, and every room enjoys direct access to elevated balconies featuring sweeping views of the water. Leave the car behind, hop in your golf cart, and enjoy the laid-back vibe of one of Florida's most beloved beach towns. Call today to preview!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,572
Sqft
0.17 ac
Lot size
2
Garage
2006
Year built
Three Or More
Levels
$364
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.
$8,434 /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
$8,434/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
$364 vs $313
Days on market
30 vs 68 typical
Where $364/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)
61 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 189% 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 1955 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 · Jun ’26$524,990
30 ORION DRIVE
5 bd · 3.5 ba · 3,161 sqft · $166/sqft · 161 DOM
Sold · Mar ’26$569,990
33 ORION DRIVE
5 bd · 3.5 ba · 3,161 sqft · $180/sqft · 286 DOM
Sold · Feb ’26$579,990
9 PERSEUS AVENUE
5 bd · 3.5 ba · 3,161 sqft · $183/sqft · 199 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 1955 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 1955 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
1955 N CENTRAL AVENUE FAQs
What would the monthly payment be for 1955 N CENTRAL AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,434/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 1955 N CENTRAL AVENUE?+
The most recent tax bill on record (2025) was $9,336. 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 $1,299,000, this home is listed about 123% 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 1955 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
Three things that matter here
01Positioned at the premium end
$1,299,000 runs 189% above the FLAGLER BEACH 32136 median — but at 3,572 sqft it's also 74% 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.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Lisa Gardner. MLS #FC319453.
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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