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Pending

Pending·7 days on market

205 24th Street

Flagler Beach, FL 32136

$499,000$305/sqftEst. $2,579/moMLS# 2162539

Beds

Baths

1,636

Sq Ft

2000

Built

Garage

Pool

About this home

Flagler Beach

If you are looking for Old Florida, welcome to 205 24th St, located in Flagler Beach, a barrier island nestled between the Atlantic Ocean and the Intracoastal waterway. In this pet friendly beach town, you can take your golf cart around as part of the laid-back living. Enjoy the fishing Pier, eclectic shops, surfing, the beach, Sea Turtle Nesting, First Fridays and Ocean View dining (no chain restaurants)., this charming 3 bedroom, 2 bath home offers the perfect coastal getaway. Block construction, 2018 HVAC, 2022 Hot water heater and 2017 roof, located in X flood zone, high and dry. Vaulted ceilings through out the home, spacious bedrooms, covered and screned in lanai and spacious backyard with two additional workshops/sheds for your outdoor activities. A spacious 2 car garage with the laundry room conviently located inside the home. Flagler Beach is centrally located 1 1/2 hours away from the Orlando, one hour away from Jacksonville, 1/2 hour to Daytona Beach

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,579

Principal & Interest: $2,579

Insurance (est.): $333

Estimated Total Monthly

$2,911

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,579

Estimated total, before insurance$2,579/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,827/yr · $236/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): $2,827/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 — 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: ~1,815 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 August 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