712 CENTRAL AVE N, FLAGLER BEACH, FL, 32136
Active44 days on marketListed Aug 28, 2026MLS #FC320827
About this home
712 CENTRAL AVE N
Just one block from the Atlantic Ocean in the heart of Flagler Beach, 712 N Central Avenue combines an exceptional beachside location, partial ocean views and established rental income with the relaxed coastal lifestyle that makes this community so desirable. Beach access at North 7th and North 8th Streets is moments away, while restaurants, shops and local favorites are easily reached on foot or by bike. From morning walks along the shoreline to evenings enjoying ocean breezes from the upper deck, this is quintessential Flagler Beach living. Significant permitted improvements provide added peace of mind, including a roof completed in 2021, impact windows and doors installed in 2020, a 3.5-ton HVAC system replaced in 2025 and a ductless mini-split added to the first-floor studio in 2025. Exterior vinyl siding was replaced with durable lap siding in 2018, and the front and rear decks were replaced in 2017. The property is located in Flood Zone X. Adding immediate value and versatility, the first floor features an income-producing studio currently leased at $1,400 per month through August 2027. With its own private entrance, closet, full bath and kitchenette with sink, microwave, refrigerator and upper and lower cabinetry, the space provides an established revenue stream while remaining separate from the main residence. A two-car garage provides convenient parking and additional storage. Upstairs, vaulted ceilings and abundant natural light create an airy coastal atmosphere throughout the main living spaces. Impact-glass windows and sliding doors connect the interior to expansive outdoor decks, where partial ocean views and sea breezes reinforce the home’s unmistakable sense of place. An outdoor shower is ideal after a day spent at the beach. With the Atlantic just one block away, established rental income already in place and substantial improvements completed, 712 N Central Avenue presents a distinctive opportunity for a primary residence, coastal retreat or beachside property with income-producing potential in one of Flagler Beach’s most desirable locations.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,968
Sqft
0.14 ac
Lot size
2
Garage
1989
Year built
Two
Levels
$343
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.
$4,919 /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
$4,919/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
+30.6%
$/sqft vs Flagler Beach actives
$343 vs $298
Days on market
44 vs 80 typical
Where $343/sqft sits among the 129 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 129
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 54% 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 712 CENTRAL AVE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$470,000
14 SIGNET CIRCLE
3 bd · 2 ba · 2,003 sqft · $235/sqft · 8 DOM
Sold · Apr ’26$507,000
1520 S FLAGLER AVENUE
4 bd · 4 ba · 1,916 sqft · $265/sqft · 6 DOM
Sold · Nov ’25$700,000
350 LAMBERT AVENUE
2 bd · 2.5 ba · 1,884 sqft · $372/sqft · 15 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 712 CENTRAL AVE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 712 CENTRAL AVE N — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
712 CENTRAL AVE N FAQs
What would the monthly payment be for 712 CENTRAL AVE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,919/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 712 CENTRAL AVE N?+
The most recent tax bill on record (2025) was $10,360. 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 $675,000, this home is listed about 23% 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 712 CENTRAL AVE N?+
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
$675,000 runs 54% 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.
04The price has already moved
Listed at $700,000, now $675,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ONE SOTHEBYS INTERNATIONAL · Katherine Gable. MLS #FC320827.
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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