Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 76
Sold

Sold·Closed Aug 28, 2026·65 days on market

2654 Sunset Inlet Drive

Flagler Beach, FL 32136

$975,000sold priceListed at $1,075,000 · 90.7% of asking$315/sqftMLS# 2143920
4
Beds
3.5
Baths
3,098
Sq Ft
2016
Built
2
Garage
No
Pool
FEMA Zone XHOA $365/mo4,792 sqft lotSingle Family Residence3 stories

About this home

Flagler Beach

This exceptional, turnkey 4-bedroom, 3.5-bath residence is fully furnished and perfectly positioned between the Atlantic Ocean and the Intracoastal Waterway. Located on a private end lot with no neighbors to one side, this home offers rare seclusion and panoramic vistas. Designed for luxury, the three-story layout features an elevator servicing all levels. The third-floor main living area boasts an open-concept chef's kitchen with granite countertops and a spacious living room that flows onto a balcony with breathtaking ocean sunrises. The second-floor primary sanctuary includes a private ocean-view balcony and a spa-like ensuite. Guest comfort is ensured with two additional bedrooms and a versatile first-floor suite. Boaters will love the deeded dock with a 10,000 lb. lift and direct ICW access, while beach lovers enjoy private deeded access just steps away. Located in an X flood zone off scenic A1A, you are minute from Flagler Beach and a short drive to St. Augustine.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$5,401
HOAbilled monthly$365
Estimated total, before insurance$5,766/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,531/yr · $1,044/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$975,000
$195,000
Loan Term
Monthly Payment
$5,401
Principal & Interest: $5,401
Insurance (est.): $650
Estimated Total Monthly
$6,051
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2016)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · FL0116009 - Flagler County Utilities · Public water (record)

County records show this parcel on central sewer served by FL0116009 - Flagler County Utilities — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,823 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $12,531/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Aug 28, 2026Closed$1,075,000
  • Jul 17, 2026Pending$1,075,000
  • May 7, 2026Listed$1,075,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $209/sq ft; this home is listed at $347/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
165 S Riverwalk Drive, Palm Coast, FL 32137Listed by HAMMOCK REAL ESTATE GROUPJun 2026$1,169,000$3913/3.52,98930.5
1465 Lambert Avenue, Flagler Beach, FL 32136Listed by BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORKNov 2025$829,900$2364/33,520861.6
28 Perseus Avenue, Flagler Beach, FL 32136Listed by CENTURY COMMUNITIES OF FLORIDASep 2026$429,990$1854/3.52,3191451.7
35 Perseus Avenue, Flagler Beach, FL 32136Listed by CENTURY COMMUNITIES OF FLORIDASep 2026$429,990$1854/3.52,319601.7
82 Pegasus Road, Flagler Beach, FL 32136Listed by CENTURY COMMUNITIES OF FLORIDAAug 2026$515,990$2093/32,468251.7
60 Pegasus Road, Flagler Beach, FL 32136Listed by CENTURY COMMUNITIES OF FLORIDAAug 2026$520,990$1883/32,7661041.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,075,000
Price / Sq Ft$347
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,098
Acres0.11 acres
Year Built2016
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address2654 Sunset Inlet Drive, Flagler Beach, FL 32136
Area605-Flagler County North-Beach
SubdivisionSunset Inlet
CityFlagler Beach
CountyFlagler
StateFL
Zip Code32136
Lot Size4,791.6 sq ft
Parcel Number2611315730000000310

Amenities

AmenitiesBeach Access, Boat Dock, Boat Slip, Maintenance Grounds
Community FeaturesSidewalks, Fishing, Street Lights
UtilitiesCable Connected, Electricity Connected, Sewer Connected
Water SourcePublic
ParkingGarage Door Opener
ViewBeach, Ocean

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Elevator, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories3
LevelsThree Or More
LaundryIn Unit

Exterior

Exterior FeaturesBalcony
RoofShingle

Additional Information

Date ListedAugust 28, 2026
Days on Market65
HOA Fees$365 / Monthly
HOA FrequencyMonthly
Tax Amount$12,531.25
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COASTAL GATEWAY REAL ESTATE GROUP

Sold by: COASTAL GATEWAY REAL ESTATE GROUP (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines