860 LAMBERT AVENUE, FLAGLER BEACH, FL, 32136
Active121 days on marketListed Jun 11, 2026MLS #FC319179
About this home
860 LAMBERT AVENUE
Virtually Staged. A Rare Waterfront Reinvention on the Matanzas River! ~Now Offered at an Exceptional Value~ Positioned on nearly half an acre along a quiet, tree-lined cul-de-sac, 860 Lambert Avenue offers 81 feet of direct river frontage and an extraordinary level of versatility. Over the past couple years, this estate underwent a comprehensive transformation—expanding to 3,880 square feet with a seamless upper-level addition and a fully equipped first floor suite. From the Hardie board exterior and new roof to three new HVAC systems, all-new kitchens, and custom-tiled baths, this property wasn't just refreshed—it was completely reimagined. The Upper Level: Coastal Living & Elevated Views Spanning roughly 2,700 square feet, the main residence features four spacious bedrooms, two designer bathrooms, an open living space with a dedicated media area, and a sunroom with 25 foot wall off glass doors. Wall of glass captures the wide water views, leading to a sweeping covered deck. It is the ultimate vantage point for morning coffee over the tide and quiet sunsets across the Matanzas. Multigenerational Layout & Future Expansion First Floor In-Law Suite: Features a private exterior entrance, two full bedrooms, a modern bath, a dedicated kitchen, living, and dining areas—ideal for extended family, long-term guests, or executive living. First floor also offers an effortless canvas for a home office, art studio, or third living suite. It also has a huge sunroom to enjoy the waterfront views. ?It is plumbed for a bath and kitchenette if buyer wanted to create a private suite. The Grounds & Waterfront Lifestyle Step outside to expansive lawn space flanked by a mature oak trees and direct river access, complete with a transferable dock permit and riparian rights to build your dream deep-water setup. Watch dolphins break the surface at dawn, launch a kayak from your backyard, or take in the coastal calm. Community & Location Lambert Avenue is renowned for its welcoming, old-Florida community feel—a quiet street where flags fly in the summer and neighbors truly know one another. Enjoy complete freedom with no HOA, a 3-car garage with an integrated half bath, and a location just minutes from the beaches, pier, and dining of downtown Flagler Beach. Select interior images have been virtually staged to showcase space and functionality.
Facts & features
The home at a glance
6
Bedrooms
3.5
Bathrooms
3,880
Sqft
0.41 ac
Lot size
3
Garage
1977
Year built
Two
Levels
$303
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$7,430 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,430/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+14.7%
$/sqft vs Flagler Beach actives
$303 vs $298
Days on market
121 vs 80 typical
Where $303/sqft sits among the 128 Flagler Beach actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Flagler Beach
Get to know Flagler Beach. See the full Flagler Beach guide →
FLAGLER BEACH 32136 — neighborhood snapshot
Population
8,303
Median age
59.8
Median income
$72,589
Median home value
$438,300
Avg household
2.09
Households w/ children
609
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Flagler Beach market
$446K → $537K
Flagler Beach median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
71 of 128
Flagler Beach actives have cut their price
Median sold price, Flagler Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 168% above the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 860 LAMBERT AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$524,990
30 ORION DRIVE
5 bd · 3.5 ba · 3,161 sqft · $166/sqft · 161 DOM
Sold · Mar ’26$569,990
33 ORION DRIVE
5 bd · 3.5 ba · 3,161 sqft · $180/sqft · 286 DOM
Sold · Feb ’26$579,990
9 PERSEUS AVENUE
5 bd · 3.5 ba · 3,161 sqft · $183/sqft · 199 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 860 LAMBERT AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 860 LAMBERT AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
860 LAMBERT AVENUE FAQs
What would the monthly payment be for 860 LAMBERT AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,430/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 860 LAMBERT AVENUE?+
The most recent tax bill on record (2025) was $5,869. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 860 LAMBERT AVENUE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Flagler Beach?+
At $1,175,000, this home is listed about 114% above the Flagler Beach median of $550,000. The market section on this page shows how the area is trending.
Which schools are assigned to 860 LAMBERT AVENUE?+
Old Kings Elementary School (elementary), Flagler-Palm Coast High School (high), Buddy Taylor Middle School (middle) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,175,000 runs 168% above the FLAGLER BEACH 32136 median — but at 3,880 sqft it's also nearly twice the size of the typical Flagler Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Old Kings Elementary School, Flagler-Palm Coast High School, Buddy Taylor Middle School — Old Kings Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $1,300,000, now $1,175,000 — a $125K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Toni Herlo. MLS #FC319179.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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