189 OAK LANE, FLAGLER BEACH, FL, 32136
Active50 days on marketListed Jun 3, 2026MLS #O6412421
About this home
189 OAK LANE
Welcome to your coastal retreat in beautiful Flagler Beach! This recently refreshed two-story home perfectly blends comfort, style, and durability featuring 2 bedrooms, 2.5 baths and a thoughtfully designed layout that maximizes both space and functionality. Extensive updates include a new roof (2023), fresh interior and exterior paint (2023), and LVP flooring throughout that offers both modern appeal and long-lasting durability that’s ideal for beachside living. The updated kitchen is a true highlight, showcasing shaker cabinetry, quartz countertops, tile backsplash, and stainless steel appliances, creating an inviting space for everyday living and entertaining. The adjoining Living Room includes a cozy dining area and opens to a covered patio and spacious yard that’s fully fenced in, perfect for outdoor dining, entertaining or unwinding while enjoying the coastal breeze. Upstairs, the spacious primary bedroom offers a peaceful retreat with a generous closet and private access to a large balcony where you can relax and take in the fresh ocean air. The ensuite bath features a walk-in tile shower and quartz vanity while the second full hallway bathroom includes a tub/shower combination. All bathrooms have been updated with thoughtful design and modern finishes. Located just moments from the beach, this home provides easy access to everything Flagler Beach has to offer from sunrises over the ocean to dining, shopping, and outdoor activities. Move-in ready and beautifully updated, this home is perfect for those seeking a low-maintenance coastal lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,584
Sqft
0.17 ac
Lot size
1
Garage
1981
Year built
Two
Levels
$234
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.
$2,850 /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
$2,850/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.
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)
Median sold price, Flagler Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% below the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →
Paper trail
This home's history
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 189 OAK LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 189 OAK LANE — 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
189 OAK LANE FAQs
What would the monthly payment be for 189 OAK LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,850/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 189 OAK LANE?+
The most recent tax bill on record (2025) was $4,180. 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 189 OAK LANE?+
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 $369,900, this home is listed about 36% 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 189 OAK LANE?+
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
$369,900 is 18% below the FLAGLER BEACH 32136 median of $449,900, and at $234/sqft it sits under the Flagler Beach average of $351.
02Strong 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.
03The price has already moved
Listed at $394,900, now $369,900 — a $25K cut. The full history is in the market section below.
Listing courtesy of GECKO REALTY, INC · Jeffrey Petch. MLS #O6412421.
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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