21 WINDWARD DRIVE, FLAGLER BEACH, FL, 32136
Active13 days on marketListed Sep 28, 2026MLS #FC321732
About this home
21 WINDWARD DRIVE
If you are looking for a winter get-away or a full time residence at the beach this might be the one for you. This charming barrier island coastal home offers two bedrooms, two full baths with a long semi enclosed carport and screened in front porch. Roof replaced in 2020 and A/C replaced in 2022. Located in the very desirable Surfside Estates, a 55+ community that offers the ultimate Florida Lifestyle with the significant advantage of resident ownership with no lot rent. This house sits next to one of the community's beautiful garden parks and you are just steps away from the intracoastal waterway. Take a short stroll down to one of the community's fishing docks to sip morning coffee as you watch the boats and dolphins go by, and in the evenings you can enjoy breathtaking sunsets! Low monthly fee of $220. covers cable, wi-fi internet, yard care and Clubhouse with heated and cooled swimming pool, elevator, library, pool tables and rooftop deck. You can get involved with the busy social calendar, featuring bingo, line dancing, exercise classes, potluck meals and Holiday social events. This special community is nestled between the atlantic ocean and intracoastal waterway and is both golf cart and pet friendly! You are just minutes away from the quant city of Flagler Beach, with major shopping, doctors and hospital just over the bridge.Come experience what this beach lifestyle feels like and claim your piece of paradise!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
900
Sqft
0.07 ac
Lot size
1993
Year built
One
Levels
$209
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.
$1,623 /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
$1,623/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
+16.2%
$/sqft vs BEVERLY BEACH SURFSIDE ESTATES
$209 vs $202
Days on market
13 vs 80 typical
Where $209/sqft sits among the 6 homes for sale in BEVERLY BEACH SURFSIDE ESTATES
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)
3 of 6
BEVERLY BEACH SURFSIDE ESTATES 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 21 WINDWARD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$210,000
102 MERRIMAC DRIVE · same community
2 bd · 2 ba · 888 sqft · $236/sqft · 379 DOM
Sold · May ’26$210,000
130 ANCHORAGE DRIVE · same community
2 bd · 2 ba · 949 sqft · $221/sqft · 51 DOM
Sold · Sep ’26$225,000
217 STARBOARD DRIVE · same community
2 bd · 2 ba · 960 sqft · $234/sqft · 1 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 21 WINDWARD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21 WINDWARD DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
21 WINDWARD DRIVE FAQs
What would the monthly payment be for 21 WINDWARD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,623/mo — principal and interest, the actual property-tax bill, the $220/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 21 WINDWARD DRIVE?+
The association fee works out to $220 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 21 WINDWARD DRIVE?+
The most recent tax bill on record (2025) was $640. 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 21 WINDWARD DRIVE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, 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 $187,900, 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 21 WINDWARD 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
$187,900 is 57% below the FLAGLER BEACH 32136 median of $438,000, and at $209/sqft it sits under the Flagler Beach average of $342.
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 $209,900, now $187,900 — a $22K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of STILES REAL ESTATE CO. · Kimberley Hall. MLS #FC321732.
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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