29 S OCEAN PALM DRIVE, FLAGLER BEACH, FL, 32136
Active12 days on marketListed Sep 8, 2026MLS #FC321283
About this home
29 S OCEAN PALM DRIVE
Welcome to 29 Ocean Palm Villas South, a hidden gem nestled along the Intracoastal Waterway and just steps from the pristine sandy beaches of the Atlantic Ocean. Located in one of Flagler Beach's most desirable waterfront communities, this 2-bedroom, 2-bath townhome with a 1-car garage offers an incredible opportunity to complete the renovations and add your own personal touch. Whether you're looking for a full-time residence, seasonal retreat, or investment opportunity, this spacious unit is full of potential. Inside, you'll find a functional floor plan with abundant natural light and plenty of possibilities. The unit needs renovations completed, providing a great opportunity to finish the work and create a home that suits your style and needs. Some high dollar items have already been replaced in the last couple of years such as the; AC, water heater, stove and dishwasher. The first floor features the kitchen, dining/living room combination, and a full bath with beautiful Travertine tile. Upstairs, the primary suite offers a private balcony overlooking the Intracoastal, along with a guest bedroom separated by a full bath. The attached garage provides added convenience and valuable storage space. Surrounded by a peaceful nature preserve, the property offers panoramic sunset views from both levels and beautiful water vistas from nearly every room. Ocean Palm Villas residents enjoy a private kayak launch with easy access to scenic waterways where you can swim, fish, paddleboard, and experience Florida's abundant wildlife including manatees, dolphins and turtles. Cool off in the sparkling community pool or enjoy the community tennis courts, currently being renovated to include pickleball. Just minutes from local restaurants, boutique shopping, waterfront parks, and the beaches of Flagler Beach, you'll quickly understand why this charming seaside town is often described as "lost in time." With golf cart-friendly streets, dog-friendly beaches, waterfront parks, and a relaxed small-town atmosphere, Flagler Beach offers a coastal lifestyle that's hard to replicate. Ocean Palm Villas is your opportunity to complete the renovations, make this property your own, and enjoy the best of the Florida coastal lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,184
Sqft
0 ac
Lot size
1
Garage
1974
Year built
Two
Levels
$160
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 and the real association fee — not generic estimates.
$2,464 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,464/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−17.1%
$/sqft vs Flagler Beach actives
$160 vs $306
Days on market
12 vs 57 typical
Where $160/sqft sits among the 136 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)
69 of 136
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 57% below the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 29 S OCEAN PALM DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$249,900
67 OCEAN PALM VILLA S · same community
2 bd · 2 ba · 1,184 sqft · $211/sqft · 2 DOM
Sold · Aug ’26$195,000
24 S OCEAN PALM DRIVE UNIT 24 · same community
2 bd · 2 ba · 1,184 sqft · $165/sqft · 4 DOM
Sold · May ’26$250,250
50 OCEAN PALM VILLA S · same community
2 bd · 2 ba · 1,184 sqft · $211/sqft · 551 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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 29 S OCEAN PALM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 29 S OCEAN PALM DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
29 S OCEAN PALM DRIVE FAQs
What would the monthly payment be for 29 S OCEAN PALM DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,464/mo — principal and interest, the actual property-tax bill, the $790/mo association fee 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.
How much are the HOA fees at 29 S OCEAN PALM DRIVE?+
The association fee works out to $790 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 29 S OCEAN PALM DRIVE?+
The most recent tax bill on record (2025) was $3,813. 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 29 S OCEAN PALM DRIVE?+
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 $189,000, this home is listed about 66% below the Flagler Beach median of $550,000. The market section on this page shows how the area is trending.
Which schools are assigned to 29 S OCEAN PALM DRIVE?+
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
01Under the FLAGLER BEACH 32136 market on paper
$189,000 is 57% below the FLAGLER BEACH 32136 median of $438,000, and at $160/sqft it sits under the Flagler Beach average of $342.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $790/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong 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 REALTY EXCHANGE, LLC · Peter Larsson. MLS #FC321283.
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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