225 STARBOARD DRIVE, FLAGLER BEACH, FL, 32136
Active10 days on marketListed Jul 13, 2026MLS #FC319914
Come see it
Upcoming open house
Sat, Jul 25
12:00 PM – 2:00 PM
About this home
225 STARBOARD DRIVE
The beach is calling, you don’t want to miss this opportunity! This 2-bedroom, 2-bath coastal home in the desirable Surfside Estates 55+ community offers the ultimate Florida lifestyle with the significant advantage of resident ownership with no lot rent! This home has been updated for peace of mind, including a new roof 2024, four mini-split A/C units 2024, new water heater and flooring (2023). Under the home new tie downs and vapor barrier replaced in 2024 also has a new electrical box 2024. This larger home offers a very comfortable floor plan with large rooms, enclosed front porch and side porch, home has an abundance storage. Low monthly fee of just $220/mo, includes; Wi-Fi, cable, and lawn care. Community offers: Clubhouse with heated/cooled pool, rooftop deck, fitness room, library, pool tables, elevator, kayak storage, and two fishing docks. Community is both golf cart friendly and pet friendly! Social Life: An active calendar featuring water aerobics, bingo, card games, pot lucks, holiday parties and community gatherings. Prime Location: Nestled between the Atlantic Ocean and the Intracoastal Waterway, you can enjoy the best of both worlds, sunrise across the street at the beach and breathtaking sunsets over the Intracoastal Waterway. You are just minutes from the quant little city of Flagler Beach with dining and shopping. Major shopping centers, doctors and hospital just over the bridge. Opportunities in this community move fast. Come experience this charming getaway and claim your piece of paradise today! Start enjoying the beach life you have been dreaming of!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,248
Sqft
0.09 ac
Lot size
1986
Year built
One
Levels
$183
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.
$1,953 /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
$1,953/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
−15.7%
$/sqft vs Flagler Beach actives
$183 vs $315
Days on market
10 vs 68 typical
Where $183/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 49% 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 225 STARBOARD DRIVE
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$259,000
106 ANCHORAGE DRIVE · same community
2 bd · 1.5 ba · 1,223 sqft · $212/sqft · 234 DOM
Sold · Mar ’26$257,000
212 MONITOR DRIVE UNIT A · same community
2 bd · 2 ba · 1,291 sqft · $199/sqft · 12 DOM
Sold · Jan ’26$359,000
17 WINDWARD DRIVE · same community
2 bd · 2 ba · 1,195 sqft · $300/sqft · 25 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 225 STARBOARD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 225 STARBOARD DRIVE — 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
225 STARBOARD DRIVE FAQs
What would the monthly payment be for 225 STARBOARD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,953/mo — principal and interest, the actual property-tax bill, the $220/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 225 STARBOARD DRIVE?+
The association fee works out to $220 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 225 STARBOARD DRIVE?+
The most recent tax bill on record (2025) was $1,478. 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 225 STARBOARD DRIVE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, 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 $229,000, this home is listed about 61% 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 225 STARBOARD DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of STILES REAL ESTATE CO. · Kimberley Hall. MLS #FC319914.
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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