Ashton Harris
$1,174,9993 bd2.5 ba2,614 sqft$450 /sqft$7,887 /mo all-in ↓

2446 S CENTRAL AVENUE, FLAGLER BEACH, FL, 32136

Active1 days on marketListed Aug 5, 2026MLS #FC320367

Private poolSingle Family ResidenceATLANTA BEACH SUB

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

Private poolWater view

Inside

FlooringCeramic Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Stone Counters · Thermostat
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewWater
FacesEast
ExteriorOutdoor Kitchen · Outdoor Shower

Community & fees

Taxes (2025)$11,350/yr

Utilities & systems

UtilitiesElectricity Available · Sewer Available · Water Available
WaterNone

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%

Principal & interest$6,340
PMI (est., until 20% equity)$441
Property tax — 2025 actual bill$946
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $117,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $117,500
Interest rate6.00%
Loan term

Estimated payment

$7,887/mo

Principal & interest$6,340
PMI (est., until 20% equity)$441
Property taxes (actual bill)$946
Est. insurance$160

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.

List $1.2M
$897KedgeAI estimate $1,000,191 · range $935K$1.2M$1.2M

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

38
24
21
10 · this home
18
10
$180–250$250–319$319–389$389–458$458–528$528+

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

Map of 2446 S CENTRAL AVENUE

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

ElementaryOld Kings Elementary School★★★★
HighFlagler-Palm Coast High School★★★★★
MiddleBuddy Taylor Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Flagler Beach market

Seller’s marketLeans seller4.7 months of inventoryBuyer’s 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

Aug 5, 2026Listed at $1,174,999 · 1 days on market since
2021Built · ATLANTA BEACH SUB

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.

2717 JOHN BULL STREETSold · May ’26

$549,000

2717 JOHN BULL STREET · same community

3 bd · 2 ba · 1,927 sqft · $285/sqft · 33 DOM

2620 S CENTRAL AVENUESold · Sep ’25

$825,000

2620 S CENTRAL AVENUE · same community

3 bd · 3 ba · 1,801 sqft · $458/sqft · 14 DOM

2737 JOHN BULLSold · 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.

Ashton Harris

Your agent

Ashton Harris

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 2446 S CENTRAL AVENUE — start here.

Andrew Acosta

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 Ashton's phone and CRM.

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Goes straight to Ashton’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.

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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