604 CUMBERLAND DRIVE, FLAGLER BEACH, FL, 32136
Active8 days on marketListed Oct 3, 2026MLS #FC321867
About this home
604 CUMBERLAND DRIVE
WATERFRONT LIVING JUST MINUTES FROM THE BEACH! Build your beachside dream home on this saltwater canal lot in charming Flagler Beach! Located just 700 feet from the Intracoastal Waterway, this property offers quick access for boating, fishing, jet skiing, and all the outdoor adventures that make coastal Florida living so special. Enjoy a short stroll to the ocean or hop on your golf cart and head into town for local restaurants, shops, the weekly farmers market, and more. The lot is conveniently located approximately 2.5 miles south of the Flagler Beach Pier and 1.5 miles north of Gamble Rogers Recreation Area, with easy access to St. Augustine and Daytona Beach. Whether you're dreaming of a full-time coastal retreat, vacation getaway, or your own slice of Florida paradise, this location puts you close to it all. What are you waiting for? IT'S TIME to build your beachside waterfront dream home!
Facts & features
The home at a glance
0.24 ac
Lot size
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.
$2,517 /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
$2,517/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.
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)
Median sold price, Flagler Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% 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 604 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 · Dec ’25$361,000
2325 S FLAGLER AVENUE · same community
2 bd · 2 ba · 1,324 sqft · $273/sqft · 111 DOM
Sold · Mar ’26$445,200
2408 S DAYTONA AVENUE · same community
2 bd · 2 ba · 1,340 sqft · $332/sqft · 45 DOM
Sold · Feb ’26$435,000
2290 S FLAGLER AVENUE · same community
3 bd · 2 ba · 1,344 sqft · $324/sqft · 111 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
Seth Cabrera - Rothschild
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 604 CUMBERLAND DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 604 CUMBERLAND DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
604 CUMBERLAND DRIVE FAQs
What would the monthly payment be for 604 CUMBERLAND DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,517/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 604 CUMBERLAND DRIVE?+
The most recent tax bill on record (2025) was $2,842. 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 604 CUMBERLAND 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 $335,000, this home is listed about 39% 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 604 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
01Under the FLAGLER BEACH 32136 market on paper
$335,000 is 24% below the FLAGLER BEACH 32136 median of $439,000.
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 SELBY GROUP · Debra Wingo. MLS #FC321867.
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.
Never miss a listing
New Flagler Beach homes, in your inbox
Like 604 CUMBERLAND DRIVE but not quite? A daily digest of every new listing in Flagler Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Seth to ping you on any price or status change →