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Active

Active·45 days on market

2214 N Central Avenue

Flagler Beach, FL 32136

$2,599,999$671/sqftEst. $13,353/moMLS# 2154370

Beds

Baths

3,872

Sq Ft

2024

Built

Garage

Pool

About this home

Flagler Beach

Crafted as a luxury coastal fortress, the residence is constructed entirely of reinforced concrete across all three levels, with approximately 24 concrete pilings extending 25 feet deep. Built for peace of mind and engineered for maximum durability, the home features impact windows and doors, impact-rated garage doors, a standing seam aluminum roof, a new seawall, underground drainage systems, foam insulation, and elevated construction in Flood Zone X. The result is a secure, energy-efficient residence that offers exceptional quiet and comfort despite its oceanfront position. Spanning approximately 3,800 square feet, the thoughtfully designed floor plan embraces harmonious indoor-outdoor living. A dramatic twenty-four-foot wall of sliding glass frames endless ocean views while connecting the grand great room to expansive terraces that become a front-row seat to the beauty of Florida's coastline. Entertaining is effortless with an inviting open-concept layout centered around a

Cost to own

Mortgage calculator

Home Price

$2,599,999

Down Payment: 20%

$520,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$13,353

Principal & Interest: $13,353

Insurance (est.): $1,733

Estimated Total Monthly

$15,086

*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$13,353

Estimated total, before insurance$13,353/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,857/yr · $1,571/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): $18,857/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 — year not disclosed (home built 2024)

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

Solar potential: ~1,812 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

Jul 8, 2026Listed$2,599,999

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

Features

Price$2,599,999

Price / Sq Ft$671

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,872

Acres0.13 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Community Information

Address2214 N Central Avenue, Flagler Beach, FL 32136

Area605-Flagler County North-Beach

Subdivision**verifying Subd**

CityFlagler Beach

CountyFlagler

StateFL

Zip Code32136

Lot Size5,662.8 sq ft

Parcel Number3611315630000200080

Amenities

UtilitiesElectricity Connected, Natural Gas Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyConstruction, Doors, HVAC, Insulation, Windows

ParkingAttached, Electric Vehicle Charging Station(s), Garage, Garage Door Opener

ViewBeach, Intracoastal, Ocean, Water

Waterfront TypeOcean Front

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Elevator, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Water Heater, ENERGY STAR Qualified Water Heater, Gas Cooktop, Microwave, Refrigerator, Washer/Dryer Stacked, Wine Cooler

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringTile, Vinyl

FireplaceYes

Fireplace FeaturesGas

# of Stories3

LevelsMulti/Split, Three Or More

LaundryGas Dryer Hookup, Sink

Security24 Hour Security, Carbon Monoxide Detector(s), Secured Elevator, Security System Owned, Smoke Detector(s)

Spa FeaturesAbove Ground, Private