$725,0003 bd · 4 ba · 1,518 sq ft
Active·146 days on market
2347 S Central Avenue
Flagler Beach, FL 32136
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Flagler Beach
Seller is offering a 2% credit toward the buyer's closing costs and/or interest rate buydown! Wake up to stunning ocean views in this versatile duplex just one block from the beaches of Flagler Beach. Ideal as a primary home, vacation getaway, or income-producing investment, this property offers flexibility and coastal charm. The ground floor features a private entrance and can serve as a separate guest suite or rental apartment, with one bedroom, two full bathrooms, a roll-in shower, Jacuzzi tub, kitchenette, living area, and porches overlooking the garden. Upstairs, enjoy panoramic ocean views from a bright two-bedroom, two-bathroom layout. The open-concept living and dining areas flow into a full kitchen, while a spacious deck offers the perfect place to relax and enjoy the ocean breeze.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: Other — year not disclosed (home built 1994)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0026611 - Flagler Beach WWTF · Public water (record)
County records show this parcel on central sewer served by FL0026611 - Flagler Beach WWTF — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,706 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Fort Matanzas south accessabout 19 mi · 40 parking spaces
Closest park or preserve
Pellicer Creek Conservation Areaabout 16 mi · 3.7 mi of trails
Closest public boat ramp
Bing's Landing Boat Rampabout 13 mi · Atlantic ICW (Flagler County) Matanzas River
Closest kayak & paddleboard launch
Bing's Landing Accessible Kayak Launch Dockabout 12 mi · Atlantic ICW (Flagler County) Matanzas River
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 6:44 AM, sunset 5:32 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $7,879/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
- Sep 17, 2026Price change$725,000−$14,500
- Aug 4, 2026Price change$739,500−$10,000
- Jun 16, 2026Listed$749,500
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 $349/sq ft; this home is listed at $478/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 205 24th Street, Flagler Beach, FL 32136Listed by COASTAL GATEWAY REAL ESTATE GROUP | Oct 2026 | $470,000 | $287 | 3/2 | 1,636 | 20 | 0.1 |
| 1520 S Flagler Avenue, Flagler Beach, FL 32136Listed by EXP REALTY LLC | Apr 2026 | $507,000 | $265 | 4/4 | 1,916 | 8 | 1.2 |
| 1320 S Flager Avenue, Flagler Beach, FL 32136Listed by EXP REALTY LLC | Oct 2025 | $580,000 | $349 | 3/2 | 1,660 | 147 | 1.4 |
| 355 Lambert Avenue, Flagler Beach, FL 32136Listed by COASTAL GATEWAY REAL ESTATE GROUP | Jul 2025 | $675,000 | $350 | 3/2.5 | 1,927 | 49 | 2.5 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL BROKER LLC
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.
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Krista Fracke
Broker Associate
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Is this home priced right?
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