
2446 S CENTRAL AVENUE, FLAGLER BEACH, FL, 32136
Active2 days on marketListed Aug 5, 2026MLS #FC320367
Come see it
Upcoming open house
Sun, Aug 9
1:00 PM – 3:00 PM
About this home
2446 S CENTRAL AVENUE
Imagine starting each morning with the sound of the waves, enjoying your coffee as the sun rises over the Atlantic from your expansive front balcony. As evening falls, unwind with your favorite drink while taking in spectacular sunsets from the private rear balcony. This is the Florida coastal lifestyle you've been dreaming of. Built in 2021 and located in the heart of Flagler Beach, this exceptional custom home combines luxury, quality craftsmanship, and an unbeatable location. Situated in a desirable high-and-dry X flood zone with no history of flooding, you're just a two-minute walk from the beach and a short bike ride to the charming shops, restaurants, fishing pier, farmers market, and everything that makes Flagler Beach so special. Designed for both everyday living and unforgettable entertaining, the private, fully fenced backyard is your own tropical retreat. Relax by the sunken above-ground pool, cook meals in the outdoor summer kitchen, rinse off in the hot and cold outdoor shower after a day at the beach, and enjoy plenty of room for family, friends, and pets. Inside, over 1,700 square feet of elevated main living space showcases an open-concept design filled with natural light. Soaring vaulted ceilings with exposed beams, elegant crown molding, tray ceilings in the primary suite, and beautiful large-format ceramic tile create a warm yet sophisticated atmosphere. The gourmet kitchen is truly the heart of the home, featuring stunning waterfall-edge granite countertops, premium custom cabinetry, stainless steel appliances, designer lighting, and an oversized island with approximately six feet of additional cabinetry, deep pot-and-pan drawers, and a built-in wine cooler—perfect for entertaining or everyday convenience. The thoughtfully designed floor plan offers three spacious bedrooms and two-and-a-half bathrooms. Downstairs, two guest bedrooms open through sliding glass doors and share a beautifully appointed full bath, providing comfort and privacy for family or visitors. Upstairs, the luxurious primary suite offers a peaceful retreat complete with an elegant spa-inspired bathroom and convenient access to the second-floor laundry room, which includes a utility sink, extra cabinetry, and natural light. Every detail reflects the home's exceptional quality, including hurricane-impact windows, oversized double garages, custom window treatments, upgraded ceiling fans, 8-foot interior doors, granite countertops throughout, premium cabinetry, a whole-home water conditioning system, security system, irrigation well with sprinkler system, and fresh interior and exterior paint, making this home completely move-in ready. Whether you're searching for a full-time residence, a luxurious beach retreat, or the perfect place to entertain family and friends, this home delivers the very best of coastal living. Luxury finishes, exceptional craftsmanship, breathtaking sunrises and sunsets, and one of Flagler Beach's most desirable locations make this a rare opportunity you won't want to miss.
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
2 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 172% 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
Linda Johnson
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 Linda'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 114% above the Flagler Beach median of $549,000. 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 172% above the FLAGLER BEACH 32136 median — but at 2,614 sqft it's also 34% 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 2 days 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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