624 CUMBERLAND DRIVE, FLAGLER BEACH, FL, 32136
Active24 days on marketListed Sep 17, 2026MLS #FC321542
About this home
624 CUMBERLAND DRIVE
MLS Listing Description Waterfront living at its best! This beautifully updated 3-bedroom, 2-bath block home is ideally situated on a private cul-de-sac along a saltwater canal with direct access to the Intracoastal Waterway and a personal dock offering beautiful water views. Boaters, anglers, kayakers and paddleboarders will love the convenience—hop in your boat and reach the Intracoastal in less than 200 yards. Inside, the thoughtfully designed floor plan offers spacious living areas and a stunning oversized primary suite featuring a huge walk-in closet and a beautiful ensuite bath with a large walk-in shower and separate deep soaking tub. The home has been meticulously updated and maintained, providing a move-in-ready opportunity in a highly desirable waterfront setting. The exterior is equally impressive, with block construction, a durable metal roof, oversized two-car garage and an extra-wide driveway providing abundant parking. Enjoy the Florida lifestyle from the covered rear patio with pergola overlooking the beautifully landscaped front and backyard. There is also plenty of room to add a pool if desired. Located in an X flood zone, according to available property information, this home offers an exceptional combination of waterfront access, thoughtful updates, outdoor living and boating convenience. Whether you’re looking for a full-time residence, coastal retreat or waterfront lifestyle, 624 Cumberland Drive offers the opportunity to enjoy Florida living right from your own dock.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,699
Sqft
0.24 ac
Lot size
2
Garage
1989
Year built
One
Levels
$410
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.
$4,778 /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
$4,778/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
+49.5%
$/sqft vs Flagler Beach actives
$410 vs $298
Days on market
24 vs 80 typical
Where $410/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)
72 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 59% 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 624 CUMBERLAND DRIVE
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$430,000
2582 LAKESHORE DRIVE · same community
3 bd · 2.5 ba · 1,695 sqft · $254/sqft · 104 DOM
Sold · Mar ’26$465,000
2413 S FLAGLER AVENUE · same community
3 bd · 2.5 ba · 1,742 sqft · $267/sqft · 3 DOM
Sold · Oct ’25$432,500
2329 S FLAGLER AVENUE · same community
3 bd · 2 ba · 1,511 sqft · $286/sqft · 277 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 624 CUMBERLAND DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 624 CUMBERLAND DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
624 CUMBERLAND DRIVE FAQs
What would the monthly payment be for 624 CUMBERLAND DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,778/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 624 CUMBERLAND DRIVE?+
The most recent tax bill on record (2025) was $7,148. 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 $697,000, this home is listed about 27% 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 624 CUMBERLAND 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
Three things that matter here
01Positioned at the premium end
$697,000 runs 59% above the FLAGLER BEACH 32136 median.
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.
Keep looking
Similar homes nearby
Listing courtesy of STILES REAL ESTATE CO. · Robert Stiles. MLS #FC321542.
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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