1 / 7

Active

Active·10 days on market

39 Pegasus Road

Flagler Beach, FL 32136

$584,990$185/sqftEst. $2,983/moMLS# 2155720

Beds

Baths

3,161

Sq Ft

2026

Built

Garage

Pool

About this home

Flagler Beach

The versatile Silver Maple welcomes you with a charming front porch. Inside, a dramatic two-story foyer leads to a spacious study and open-concept living space--including a casual dining area, a large kitchen with a center island, and a great room with access to the patio. Additional main-floor highlights include a secluded owner's suite, featuring a sprawling walk-in closet and an en-suite bath with dual vanities and a separate tub and shower. Upstairs, a loft provides access to a full hall bath and four generous secondary bedrooms--each with a walk-in closet and one with its own private bath. Includes a 3-bay garage! Options may include: Covered patio, Bedroom and bathroom in lieu of the study, Spa walk-in shower, drop-in tub or, freestanding tub at owner's bath, Drop zone off the garage, Great room fireplace. 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

$584,990

Down Payment: 20%

$116,998

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,983

Principal & Interest: $2,983

Insurance (est.): $390

Estimated Total Monthly

$3,373

*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$2,983

HOAbilled monthly$140

Estimated total, before insurance$3,123/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$594/yr · $49/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): $594/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: 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