1828 S CENTRAL AVENUE, FLAGLER BEACH, FL, 32136
Active8 days on marketListed Aug 20, 2026MLS #FC320825
About this home
1828 S CENTRAL AVENUE
Virtually Staged. Welcome to your ultimate beach retreat, located high and dry just one block from the ocean! This solid concrete block, two-story home offers dual kitchens, a covered ocean-view terrace, and an attached two-car garage. As you enter the ground level, you are greeted by luxury laminate flooring and elegant French doors opening to a primary suite with double closets. The lower level also features a full second kitchen, a bathroom, a laundry room with direct garage access, and generous parking in both the front and back of the property. Upstairs, you will find continuous luxury laminate flooring, an updated kitchen with granite countertops and quality appliances, two additional bedrooms, a full bathroom, and a spacious dining and sitting area. Step outside onto the covered terrace to enjoy coastal breezes and ocean views, with potential for future enclosure. With its unique dual-kitchen setup, this home is ideal for a growing family, dual-occupancy arrangements, or a high-performing investment property! All information recorded in the MLS is intended to be accurate but cannot be guaranteed.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,672
Sqft
0.17 ac
Lot size
2
Garage
1968
Year built
Two
Levels
$412
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.
$4,809 /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
$4,809/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
+26.3%
$/sqft vs FUQUAY SUB
$412 vs $375
Days on market
8 vs 57 typical
Where $412/sqft sits among the 7 homes for sale in FUQUAY SUB
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)
5 of 7
FUQUAY SUB have cut their price
Median sold price, Flagler Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 58% 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 1828 S CENTRAL AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$580,000
1320 S FLAGLER AVENUE · same community
3 bd · 2 ba · 1,660 sqft · $349/sqft · 146 DOM
Sold · Sep ’25$544,500
1856 S FLAGLER AVENUE · same community
3 bd · 2 ba · 1,688 sqft · $323/sqft · 84 DOM
Sold · Jul ’26$530,000
1609 S DAYTONA AVENUE · same community
3 bd · 2 ba · 1,690 sqft · $314/sqft · 186 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1828 S CENTRAL AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1828 S CENTRAL AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1828 S CENTRAL AVENUE FAQs
What would the monthly payment be for 1828 S CENTRAL AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,809/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 1828 S CENTRAL AVENUE?+
The most recent tax bill on record (2025) was $8,073. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Flagler Beach?+
At $689,000, this home is listed about 25% 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 1828 S CENTRAL 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
Three things that matter here
01Positioned at the premium end
$689,000 runs 58% above the FLAGLER BEACH 32136 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
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.
Keep looking
Similar homes nearby
Listing courtesy of NEVER 6 PERCENT REALTY INC. · Peter Graulich. MLS #FC320825.
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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