191 MONITOR DRIVE, FLAGLER BEACH, FL, 32136
Pending17 days on marketListed Jul 22, 2026MLS #FC320134
About this home
191 MONITOR DRIVE
Imagine living your best summer every single day in this stunning, nearly-new Key West-style getaway! Built in 2022, this elevated Skyline Silver Springs Series home offers a view of the Intracoastal Waterway right from your own screened-in front porch. Picture yourself relaxing in the gentle cross-breeze, watching boats glide by and soaking in spectacular sunsets every evening without ever having to leave home.This home was built to the highest coastal standards (Wind Zone III, Exposure D) and features a gorgeous, wide-open floor plan that is absolutely perfect for entertaining. You will love the modern touches, including: - Chef’s Kitchen: Beautiful soft-close cabinetry, stainless steel appliances, and high ceilings. - Luxury Finishes: Durable vinyl plank flooring, crown molding, and neutral designer paint throughout. - Flexible Space: 2 spacious bedrooms and 2 baths, plus a private bonus Den with French doors—perfect for a beachside home office. - Convenience: A covered tall carport for large vehicles and a 10x14 storage shed for all your beach gear.Located in the highly coveted Surfside Estates, this is a premier 55+ resident-owned community nestled perfectly between the Atlantic Ocean and the Intracoastal. Best of all? There is no lot rent! Your purchase includes a share of the land, and the low $220/month maintenance fee covers Wi-Fi, cable, and yard care.The lifestyle here is unmatched. You can walk to the beach across the street or take your golf cart down to the community docks for morning coffee and fishing. Enjoy the heated/cooled pool, fitness room, and a rooftop deck that provides a front-row seat for fireworks and space launches. Whether it’s Friday night bingo, water aerobics, or kayaking, there is always something to do.With the charming shops of Flagler Beach just minutes away, this is the beachside dream you’ve been waiting for. Prepare to be wowed—schedule your appointment today to see this special community for yourself!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,148
Sqft
0.08 ac
Lot size
2022
Year built
One
Levels
$287
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.
$2,555 /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
$2,555/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
+36.4%
$/sqft vs Flagler Beach actives
$287 vs $321
Days on market
17 vs 64 typical
Where $287/sqft sits among the 124 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
$446K → $537K
Flagler Beach median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
59 of 124
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 23% 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 191 MONITOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$325,000
191 MONITOR DRIVE · same community
2 bd · 2 ba · 1,148 sqft · $283/sqft · 31 DOM
Sold · Jan ’26$220,000
90 MERRIMAC DRIVE · same community
2 bd · 2 ba · 1,144 sqft · $192/sqft · 191 DOM
Sold · Mar ’26$225,000
254 SEABREEZE DRIVE · same community
2 bd · 2 ba · 1,136 sqft · $198/sqft · 74 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 191 MONITOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 191 MONITOR 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
191 MONITOR DRIVE FAQs
What would the monthly payment be for 191 MONITOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,555/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 191 MONITOR 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 191 MONITOR DRIVE?+
The most recent tax bill on record (2025) was $1,108. 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 191 MONITOR 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 $329,000, this home is listed about 40% below the Flagler Beach median of $549,000. The market section on this page shows how the area is trending.
Which schools are assigned to 191 MONITOR 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.
The brief
Three things that matter here
01Under the FLAGLER BEACH 32136 market on paper
$329,000 is 23% below the FLAGLER BEACH 32136 median of $429,745, and at $287/sqft it sits under the Flagler Beach average of $341.
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 STILES REAL ESTATE CO. · Kimberley Hall. MLS #FC320134.
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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