615 CUMBERLAND DRIVE, Flagler Beach, FL, 32136 | $998,900

Your coastal lifestyle in Flagler Beach is here — just steps from the sand and only five homes from the Intracoastal. Recent price improvement for this spectacularly remodeled and exquisitely appointed, this waterfront residence on a saltwater canal offers a private dock, new pool and putting green and brand new luxury finishes throughout.

The chef’s kitchen is a showpiece, featuring quartz counters, a built-in refrigerator, and a commercial gas range. The dining room includes a built-in wine bar with a double wine refrigerator — perfect for entertaining. An open great room with vaulted ceilings, stone fireplace, and dual sets of sliders seamlessly connect indoor and outdoor living.

The thoughtful floor plan includes 4 bedrooms and 3. 5 baths. The primary suite is a retreat with dual sinks, a walk-in shower with rain and handheld fixtures, and a large, custom walk-in closet with built-ins. One guest bedroom — large enough to serve as a second primary — enjoys a private ensuite bath, while the remaining two bedrooms share a Jack-and-Jill designed bath, ensuring every bedroom has direct bathroom access. A powder room is conveniently available for guests. Additional features include a separate laundry room with washer, dryer, built-in cabinetry, and folding area, plus an 650 sq. ft. oversized two-car rear accessed garage through with an 18' garage door and access to the backyard bar and entertainment space.

Outdoor living is equally impressive. A large screened, pavered and covered lanai with a built-in summer kitchen and your own putting green next to a playful surfboard-topped bar by the pool create an entertainer’s paradise! The property showcases a low-maintenance paver and concrete driveway with an electronic privacy gate, while the backyard and driveway feature modern paver stone inlays surrounded by artificial turf for a clean, upscale finish. Energy-efficient geothermal heat pump systems provide heating and cooling, while new impact-resistant casement windows further enhance comfort and peace of mind.

Beyond your dock, enjoy quick access to the Intracoastal Waterway for boating, inshore fishing, or ocean excursions. Just blocks away, Flagler Beach offers a laid-back, golf cart or walkable coastal lifestyle with its iconic pier, vibrant downtown restaurants and shops, and abundant opportunities for recreation on both land and water.

This is a rare opportunity to own a fully remodeled, turnkey home that combines premium finishes, thoughtful design, private dockage, and a sought-after coastal location. Owner financing available!

Features

  • Rooms: 11
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Lot Size: 75 x 140
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Coastal, Florida, Mid-Century Modern, Ranch, Traditional
  • Year Built: 1978
  • Garage: 2-car Circular Driveway, Driveway, Garage Door Opener, Garage Faces Rear, Garage Faces Side, Oversized, Workshop in Garage
  • Heating: Central, Electric, Other
  • Cooling: Central Air
  • Approx Sq. Feet: 2,541
  • Acreage: 0.24
  • Lot Size: 75 x 140
  • Est. Taxes: $8,768
  • Lot Desc: Level, Street Dead-End
  • View: Pool, Water
  • Pool: Fiberglass, In Ground
  • Pet Policy: Cats OK, Dogs OK, Yes
  • Appliances: Bar Fridge, Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator, Washer, Wine Refrigerator
  • MLS#: FC312660
  • Days on Market: 159 days
  • Website: https://www.raveis.com
    /eprop/FC312660/615cumberlanddrive_flaglerbeach_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/2/2026 8:07:20 PM)
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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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615 CUMBERLAND DRIVE, Flagler Beach, FL, 32136

$998,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $799,120 $799,120 $799,120
Term 360 months 360 months 180 months
Initial Interest Rate** 5.250% 5.750% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.069% 5.858% 5.787%
Monthly Tax Payment $731 $731 $731
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,413 $4,663 $6,583
Total Monthly Payment $5,236 $5,486 $7,406

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.