Active·3 days on market
45 Ribera Drive
Flagler Beach, FL 32136
About this home
Flagler Beach
The Debary floor plan offers 2,369 SF of stylish and functional living space. This One-story home features 2 master suites and a large Den/Office, 2.5 bathrooms, 3 car garage. Interior features include upgraded gourmet kitchen with white 42'' cabinets, wood look tile plank flooring in the main living areas, quartz countertops in kitchen & baths, the gourmet kitchen backsplash, crown molding, large single bowl SS sink, Microwave oven combo, SS hood, 5 burner cooktop. Luxury master bath with floor-to-ceiling tile. This is a gated community, which offers a resort style amenities to include clubhouse pool, state of the Art Fitness Center, Pickle Ball & Tennis Courts, Dog Park. Veranda Bay will have a private boat marina and only 3 minutes to the beautiful Flagler Beach.
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: Shingle — year not disclosed (home built 2027)
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 homeAs of September 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:15 AM, sunset 7:16 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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): $3,207/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 22, 2026Listed$552,990
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC
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.
Keep looking
More homes in Veranda Bay
For Sale159 Stillwater DriveFlagler Beach, FL 32136
3 bd · 2 ba · 2,228 sq ft
$549,000Est. $2,922/moCome tour this Toll Brothers Community, Available NOW!! The Pompano blends luxury and charm with an alluring collection…
Listing Office: jacksonville tbi realty, llc
For Sale47 Ribera DriveFlagler Beach, FL 32136
0 bd · 2 ba
$539,990Est. $2,874/moThe Delmar floor plan offers 2,468 SF of stylish and functional living space. This One-story home features 3 bedrooms,…
Listing Office: olympus executive realty, inc
Pending36 Ribera DriveFlagler Beach, FL 32136
3 bd · 2 ba · 2,468 sq ft
$539,990Est. $2,874/moThe Delmar floor plan offers 2,468 SF of stylish and functional living space. This One-story home features 3 bedrooms,…
Listing Office: olympus executive realty, inc
Pending10 Ribera DriveFlagler Beach, FL 32136
3 bd · 2 ba · 2,468 sq ft
$539,990Est. $2,874/moThe Delmar floor plan offers 2,468 SF of stylish and functional living space. This One-story home features 3 bedrooms,…
Listing Office: olympus executive realty, inc
Keep looking
Similar homes in Flagler Beach
Your Local Realtor
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 home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines