CENTURY 21 Edge
$3,500,000$3,849,0005 bd5.5 ba3,762 sqft$930 /sqft≈$20,646 /mo all-in ↓

3392 N OCEAN SHORE BOULEVARD, FLAGLER BEACH, FL, 32136

Active29 days on marketListed Sep 11, 2026MLS #FC321236

✦ Reduced $349K✦ New constructionWaterfrontPrivate poolSingle Family ResidenceKANAHA BEACH SUB

About this home

3392 N OCEAN SHORE BOULEVARD

ABSOLUTELY SPECTACULAR BRAND-NEW 5 BEDROOM, 5½ BATH CUSTOM COASTAL ESTATE — INTRACOASTAL WATERFRONT + DEDICATED BEACH ACCESS + AIRBNB READY! This is the Florida lifestyle people DREAM about! Located in beautiful Flagler Beach, this one-of-a-kind property offers the best of BOTH WORLDS — enjoy the Atlantic Ocean and dedicated beach access just steps away, spend your afternoons boating the Intracoastal and finish your evenings watching breathtaking sunsets from your own waterfront retreat. No expense was spared in creating this extraordinary three-story custom residence featuring approximately 3,762 SQ. FT. OF AIR-CONDITIONED LIVING, approximately 10-foot ceilings, impact-resistant windows and doors, exceptional architectural finishes and a BEAUTIFULLY DETAILED THREE-STORY ELEVATOR connecting all levels. The third-floor entertaining level is an absolute SHOWSTOPPER! The designer kitchen features an approximately 10-FOOT ISLAND, custom paneled cabinetry, concealed butler’s pantry, dedicated wine storage, 48-INCH SUB-ZERO REFRIGERATOR, premium induction cooktop, commercial-grade ice maker and gorgeous Italian porcelain surfaces. The open kitchen, dining and living spaces create an incredible setting for entertaining while embracing the coastal lifestyle. The luxurious primary suite feels like your own private resort, complete with a custom walk-in closet and spectacular spa-inspired bath featuring an approximately 10’ X 4’ CUSTOM STEAM SHOWER, imported tile, oversized rain shower, multiple water features, integrated LED lighting and Bluetooth speakers. Step outside and prepare to be AMAZED! This backyard was designed as your own PRIVATE WATERFRONT RESORT, featuring an approximately 46’ X 18’ CUSTOM POOL, HOT TUB/CHAMPAGNE SPA, COLD PLUNGE AND HUGE SUNKEN FIRE LOUNGE — the ultimate setting for entertaining, relaxing and enjoying the Florida sunshine. And there’s MORE! The separate GUEST CASITA features its own bedroom, full bath, kitchen, living and dining areas and covered lanai, making it perfect for guests, extended family or added flexibility for this AIRBNB-READY PROPERTY. Continue toward the Intracoastal and discover the sunset outdoor kitchen, spacious courtyard and private boardwalk leading directly toward your waterfront oasis. BOATERS — THIS IS THE ONE! The spectacular double-decker Intracoastal dock features TWO PRIVATE BOAT SLIPS AND TWO BOAT LIFTS, including a 14,000-lb lift designed for approximately a 32-foot boat and an 8,000-lb lift designed for approximately a 19-foot flats boat. Above the slips is an incredible APPROXIMATELY 1,000 SQ. FT. ELEVATED WATERFRONT DECK, creating an amazing entertainment destination for gathering with friends, relaxing and watching unforgettable Intracoastal sunsets. 5 BEDROOMS. 5½ BATHS. DEDICATED BEACH ACCESS. INTRACOASTAL WATERFRONT. TWO BOAT SLIPS. TWO BOAT LIFTS. APPROXIMATELY 1,000 SQ. FT. WATERFRONT DECK. RESORT-STYLE POOL. HOT TUB. COLD PLUNGE. SUNKEN FIRE LOUNGE. GUEST CASITA. AIRBNB READY. Where else can you have it ALL? This extraordinary BRAND-NEW Flagler Beach estate delivers a truly rare opportunity to experience the ultimate Florida coastal lifestyle from the ATLANTIC OCEAN TO THE INTRACOASTAL WATERWAY!

Facts & features

The home at a glance

5

Bedrooms

5.5

Bathrooms

3,762

Sqft

0.09 ac

Lot size

2

Garage

2026

Year built

Three Or More

Levels

$930

Per sqft

Private poolWaterfrontFireplaceWater viewNegotiable

Inside

FlooringCeramic Tile · Tile
AppliancesBar Fridge · Cooktop · Dishwasher · Ice Maker · Microwave · Refrigerator · Water Filtration System · Water Purifier · Water Softener · Whole House R.O. System · Wine Refrigerator
InteriorCeiling Fan(s) · Elevator · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Smart Home · Solid Surface Counters · Solid Wood Cabinets · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Wet Bar
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
ViewWater
FacesEast
ExteriorFire Pit · Lighting · Outdoor Shower · Sliding Doors

Community & fees

Taxes (2025)$3,451/yr

Utilities & systems

UtilitiesCable Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$20,646 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$18,886
PMI (est., until 20% equity)$1,313
Property tax — 2025 actual bill$288
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $350,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $350,000
Interest rate6.00%
Loan term

Estimated payment

$20,646/mo

Principal & interest$18,886
PMI (est., until 20% equity)$1,313
Property taxes (actual bill)$288
Est. insurance$160

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.

List $3.5M
$1.3MedgeAI estimate $1,507,635 · range $1.4M–$1.7M$3.6M

vs edgeAI estimate

+132.2%

$/sqft vs Flagler Beach actives

$930 vs $298

Days on market

29 vs 80 typical

Where $930/sqft sits among the 129 Flagler Beach actives

70
27
24
5
2
1 · this home
$183–308$308–432$432–557$557–681$681–806$806+

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

ElementaryOld Kings Elementary School★★★★★
HighFlagler-Palm Coast High School★★★★★
MiddleBuddy Taylor Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Flagler Beach market

Seller’s marketBalanced — 5.0 months of inventoryBuyer’s market

$446K → $537K

Flagler Beach median sold, yr/yr

95.7%

Sale-to-list ratio (12 mo)

70 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 699% above the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $3,500,000 ▼ $349K
Sep 11, 2026Listed at $3,849,000 · 29 days on market since
2026Built · KANAHA BEACH SUB

Reality check

What actually sold near 3392 N OCEAN SHORE BOULEVARD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3309 N OCEAN SHORE BOULEVARDSold · Apr ’26

$1,547,500

3309 N OCEAN SHORE BOULEVARD · same community

3 bd · 3.5 ba · 2,068 sqft · $748/sqft · 49 DOM

16 N VILLAGE PARKWAYSold · Nov ’25

$760,000

16 N VILLAGE PARKWAY

5 bd · 5.5 ba · 3,766 sqft · $202/sqft · 201 DOM

19 S WATERVIEW DRIVESold · Jun ’26

$830,000

19 S WATERVIEW DRIVE

4 bd · 4 ba · 3,754 sqft · $221/sqft · 0 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.

Elizabeth Elliott

Your agent

Elizabeth Elliott

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3392 N OCEAN SHORE BOULEVARD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3392 N OCEAN SHORE BOULEVARD — 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

3392 N OCEAN SHORE BOULEVARD FAQs

What would the monthly payment be for 3392 N OCEAN SHORE BOULEVARD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $20,646/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 3392 N OCEAN SHORE BOULEVARD?+

The most recent tax bill on record (2025) was $3,451. 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 $3,500,000, this home is listed about 536% 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 3392 N OCEAN SHORE BOULEVARD?+

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

$3,500,000 runs 699% above the FLAGLER BEACH 32136 median — but at 3,762 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 $3,849,000, now $3,500,000 — a $349K cut. The full history is in the market section below.

Listing courtesy of REALTY EXCHANGE, LLC · Julie Sabine. MLS #FC321236.

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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