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Pending

Pending·47 days on market

46 Pegasus Road

Flagler Beach, FL 32136

$545,990$193/sqftEst. $2,784/moMLS# 2149668

Beds

Baths

2,822

Sq Ft

2026

Built

Garage

Pool

About this home

Flagler Beach

The luxurious Kenai floor plan is a must-see! The porch entry opens into a welcoming foyer, which leads past a private study and two bedrooms flanking a bath. Across the foyer, you'll find a handy mud room and a linen closet, with the laundry conveniently close by. At the heart of the home, an open kitchen with a walk-in pantry, wraparound countertops, and a center island overlooks an airy great room and a dining area. A spacious covered patio sits outside. The primary suite is a serene escape from the day, showcasing dual walk-in closets and a large private bath with two vanities and a walk-in shower. A fourth bedroom with a walk-in closet and an attached bath rounds out this attractive floor plan. Includes a 3-bay garage! Options include: A separate tub and shower at the primary bath, A super shower at the primary bath . Reserve East residents will enjoy planned on-site, amenities, including a clubhouse with large pool, pickle ball courts and dog park.

Cost to own

Mortgage calculator

Home Price

$545,990

Down Payment: 20%

$109,198

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,784

Principal & Interest: $2,784

Insurance (est.): $364

Estimated Total Monthly

$3,148

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$2,784

HOAbilled monthly$140

Estimated total, before insurance$2,924/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.

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 2026)

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

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.

History