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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·53 days on market

1955 N Central Avenue

Flagler Beach, FL 32136

$1,299,000$364/sqftEst. $6,671/moMLS# 2153178
4
Beds
3
Baths
3,572
Sq Ft
2006
Built
2
Garage
No
Pool

About this home

Flagler Beach

OCEAN VIEWS - Step into a lifestyle defined by Atlantic Ocean vistas - this three-story coastal sanctuary blends classic Florida charm with modern luxury. Just a two-minute walk from the beach, allowing you to literally watch the Atlantic Ocean from your upstairs living spaces and expansive porches. The property showcases breathtaking double views with stunning panoramas of both the Atlantic Ocean sunrise and the Intracoastal Waterway sunset. Designed to embrace the elements, it boasts over 1,700 square feet of outdoor balconies and patios spanning all three floors, ensuring an unmatched outdoor living experience. For ultimate peace of mind, the home features hurricane-impact windows and doors, commercial-grade rolldown storm shutters on east-facing exterior doors, a durable metal roof (2017), X Flood zone and a whole-house generator. Vehicle and toy storage are equally impressive, offering a two-car garage finished with premium Shark Coatings alongside a dedicated golf cart garage.

Cost to own

Mortgage calculator

$1,299,000
$259,800
Loan Term
Monthly Payment
$6,671
Principal & Interest: $6,671
Insurance (est.): $866
Estimated Total Monthly
$7,537
*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$6,671
Estimated total, before insurance$6,671/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,336/yr · $778/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $9,336/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.

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: Metal — 2017 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,830 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.

History

Price & status history

  • Jun 30, 2026Listed$1,299,000

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

Features

Price$1,299,000
Price / Sq Ft$364
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage3,572
Acres0.34 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StyleMulti Generational
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address1955 N Central Avenue, Flagler Beach, FL 32136
Area605-Flagler County North-Beach
SubdivisionSunrise
CityFlagler Beach
CountyFlagler
StateFL
Zip Code32136
Lot Size14,810.4 sq ft
Parcel Number3611315630000600010

Amenities

UtilitiesElectricity Connected, Water Connected
Water SourcePublic
ParkingOther, Detached, Garage, Garage Door Opener
ViewIntracoastal, Ocean

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, His and Hers Closets, Kitchen Island, Open Floorplan, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringLaminate, Tile
# of Stories3
LevelsThree Or More
LaundryIn Unit

Exterior

Exterior FeaturesImpact Windows, Storm Shutters
Lot DescriptionCorner Lot
Patio / PorchFront Porch, Wrap Around
RoofMetal
ConstructionBlock, Frame, Wood Siding
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedJune 30, 2026
Days on Market54
Tax Amount$9,336.22
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COASTAL GATEWAY REAL ESTATE GROUP

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

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.

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