1003 OCEAN MARINA DRIVE UNIT 1003, FLAGLER BEACH, FL, 32136
Active8 days on marketListed Jul 16, 2026MLS #FC319940
About this home
1003 OCEAN MARINA DRIVE UNIT 1003
Imagine waking each morning to salty ocean breezes, watching dolphins play from your private screened balcony, and ending the day listening to the soothing sound of waves from your front balcony. This beautifully situated second-floor, two-bedroom, two-bath condo offers more than a place to live—it offers the relaxed Flagler Beach lifestyle you’ve been dreaming about. Inside, you’ll find hurricane-impact windows and doors for added peace of mind, spacious walk-in closets, and a comfortable layout perfect for full-time living, a coastal retreat, or a seasonal getaway. Best of all, this property has experienced no flooding. Tucked away in a quiet, private community, you can enjoy resort-style amenities just steps from your door, including an inviting in-ground pool, clubhouse, exercise area, tennis and pickleball courts, scenic walking trails, kayak storage, and a convenient kayak launch. When you’re ready for sand and surf, the beautiful beaches of Flagler Beach are just a short walk away. Outdoor enthusiasts will love the community grilling areas located near the inlet connecting the Intracoastal Waterway and Silver Lake—an incredible setting for relaxing by the water, launching a kayak, or casting a line. Fish for flounder, redfish, snook, and even catch blue crabs, all without leaving your community. The condo also includes a designated numbered parking space along with plenty of convenient guest parking. Whether you’re sipping coffee while dolphins glide through the Intracoastal, spending the afternoon kayaking and fishing, cooling off by the pool, or falling asleep to the distant rhythm of the Atlantic Ocean, every day here feels like a vacation. Come experience the peaceful coastal lifestyle, natural beauty, and small-town charm that make Flagler Beach one of Florida’s most treasured seaside communities. Your waterfront escape is waiting. Listing agent is the owner. Feel free to call with any questions.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,140
Sqft
1.43 ac
Lot size
1988
Year built
One
Levels
$297
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.
$3,374 /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
$3,374/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
−22.7%
$/sqft vs Flagler Beach actives
$297 vs $316
Days on market
8 vs 68 typical
Where $297/sqft sits among the 126 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 126
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 25% 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 1003 OCEAN MARINA DRIVE UNIT 1003
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$285,000
606 OCEAN MARINA DRIVE UNIT 606
2 bd · 2 ba · 1,140 sqft · $250/sqft · 145 DOM
Sold · Feb ’26$420,000
200 MARINA BAY UNIT 104
2 bd · 2 ba · 1,138 sqft · $369/sqft · 227 DOM
Sold · Nov ’25$535,000
1400 N CENTRAL AVENUE
2 bd · 1.5 ba · 1,152 sqft · $464/sqft · 80 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 1003 OCEAN MARINA DRIVE UNIT 1003 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1003 OCEAN MARINA DRIVE UNIT 1003 — 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
1003 OCEAN MARINA DRIVE UNIT 1003 FAQs
What would the monthly payment be for 1003 OCEAN MARINA DRIVE UNIT 1003?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,374/mo — principal and interest, the actual property-tax bill, the $623/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 1003 OCEAN MARINA DRIVE UNIT 1003?+
The association fee works out to $623 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1003 OCEAN MARINA DRIVE UNIT 1003?+
The most recent tax bill on record (2025) was $5,345. 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 1003 OCEAN MARINA DRIVE UNIT 1003?+
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 $339,000, this home is listed about 42% 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 1003 OCEAN MARINA DRIVE UNIT 1003?+
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
$339,000 is 25% below the FLAGLER BEACH 32136 median of $449,900, and at $297/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 $623/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 STILES REAL ESTATE CO. · Robert Stiles. MLS #FC319940.
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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