
2446 S CENTRAL AVENUE, FLAGLER BEACH, FL, 32136
Active1 days on marketListed Aug 5, 2026MLS #FC320367
Come see it
Upcoming open house
Sun, Aug 9
1:00 AM – 3:00 PM
About this home
2446 S CENTRAL AVENUE
Experience the ultimate Florida coastal lifestyle in this stunning 2021 custom-built home located in the heart of Flagler Beach. Situated in a high-and-dry X flood zone with no history of flooding, this exceptional residence offers the perfect combination of luxury, quality, and location and only a 2 minute walk to the beach! Enjoy ocean views and breezes from the expansive second-floor balcony and breathtaking sunset views from the rear balcony. Designed for entertaining, the backyard features a sunken above-ground pool, outdoor kitchen, and plenty of space to relax after a day at the beach. Inside, you’ll find 3 spacious bedrooms, 2.5 bathrooms, soaring vaulted ceilings, elegant 8-foot interior doors, and beautiful large-format ceramic tile throughout. The gourmet kitchen showcases waterfall-edge granite countertops, premium cabinetry, designer lighting, and high-end fixtures. Luxurious bathrooms continue the upscale finishes with granite counters and custom cabinetry. Built with quality in mind, this home features high-grade hurricane-impact windows, double oversized garages, and has been freshly painted inside and out, making it truly move-in ready. Located just a short bike ride to downtown Flagler Beach, you’ll enjoy easy access to the area’s charming restaurants, boutiques, fishing pier, weekly farmers market, and miles of beautiful Atlantic beaches. Watch the sunrise in the morning while you drink your coffee on the huge balcony, and enjoy your favorite beverage and watch the sunset from the rear balcony! Best of both worlds! The fully fenced backyard provides privacy and features a hot and cold outdoor shower, along with plenty of space for pets to roam. Downstairs: Two bedrooms with sliding doors and full bathroom, summer kitchen out in the back porch. Upstairs, the 1700 plus sq-ft main living area features both an incredible size front tiled balcony and huge rear balcony creating ideal spaces to enjoy the coastal breeze. This level includes master bedrooms, one master full bathroom and a guest bathroom. Inside, the bright open floor plan highlights a modern, upgraded kitchen with a spacious island, stainless-steel appliances and granite countertops including amazing waterfall.Island features approximately six feet of additional cabinetry with sliding draws for pots and pans with a wine cooler. Additional upgrades throughout the home include stylish light fixtures, custom window treatments and upgraded ceiling fans. Elegant vaulted ceilings with beams in the great room, tray ceiling in the master bedroom with crown moldings throughout. The second-floor laundry room includes a convenient utility sink, along with additional cabinetry and window. The home is equipped with a security system, sprinkler system with irrigation well, water conditioning filter system. Luxury coastal living, exceptional craftsmanship, and an unbeatable location—this is the Flagler Beach home you’ve been waiting for!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,614
Sqft
0.19 ac
Lot size
2
Garage
2021
Year built
Two
Levels
$450
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.
$7,887 /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
$7,887/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
+17.5%
$/sqft vs Flagler Beach actives
$450 vs $315
Days on market
1 vs 58 typical
Where $450/sqft sits among the 121 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)
57 of 121
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 173% 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 2446 S CENTRAL AVENUE
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$549,000
2717 JOHN BULL STREET · same community
3 bd · 2 ba · 1,927 sqft · $285/sqft · 33 DOM
Sold · Sep ’25$825,000
2620 S CENTRAL AVENUE · same community
3 bd · 3 ba · 1,801 sqft · $458/sqft · 14 DOM
Sold · Oct ’25$600,000
2737 JOHN BULL · same community
3 bd · 2 ba · 1,451 sqft · $414/sqft · 205 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
Gavin Hatcher
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2446 S CENTRAL AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2446 S CENTRAL AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Gavin's phone and CRM.
Straight answers
2446 S CENTRAL AVENUE FAQs
What would the monthly payment be for 2446 S CENTRAL AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,887/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 2446 S CENTRAL AVENUE?+
The most recent tax bill on record (2025) was $11,350. 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 $1,174,999, this home is listed about 112% above the Flagler Beach median of $553,990. The market section on this page shows how the area is trending.
Which schools are assigned to 2446 S CENTRAL AVENUE?+
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
$1,174,999 runs 173% above the FLAGLER BEACH 32136 median — but at 2,614 sqft it's also 30% larger than the typical Flagler Beach listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 1 day on market in a Flagler Beach market that averages 58 — if it fits, move quickly.
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 STILES REAL ESTATE CO. · Robert Stiles. MLS #FC320367.
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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