630 S 23RD STREET, Flagler Beach, FL, 32136 | $795,000

Experience relaxed coastal living in this updated 3-bedroom, 2-bath home just four blocks from the beach and Flagler’s best restaurants. The open layout offers views of the Intracoastal Waterway and plenty of space for everyday living and entertaining. An oversize wooden dock with a 6, 000-lb boat lift includes water, electricity, and a cleaning station. It’s an ideal spot for sunsets, morning coffee, wildlife watching, or casting a line. Perfect for boaters, fishermen, kayakers, and jet-skiers. The garage has room for cars, a golf cart, bikes, surfboards, fishing gear, and more. Inside, the bright kitchen features KitchenAid stainless steel appliances, a pantry closet, and an island that opens to the living area. A stone gas fireplace anchors the space, and luxury vinyl flooring and updated lighting tie everything together, includes integrated Bose 5. 1 surround system. The dining area sits just off the kitchen and can accommodate an oversized dining table. A separate laundry room includes an LG top-load washer and dryer plus storage cabinets. All bedrooms include closet systems, and the primary suite adds an extra-large walk-in closet. Step outside to a spacious enclosed lanai with a saltwater pool and pergola. The saltwater filter was recently replaced. Smart-home features include whole-house WiFi-enabled garage door control, an entry system, and Rain Bird sprinkler controls. Recent upgrades: 1. Hurricane-rated patio doors 2. Screened lanai 3. Fenced front yard with new sod 4. Irrigation system
A four-foot stem wall was added to reduce insurance costs; flood insurance is under $900 annually.
Additional improvements: 1. New pool pump (2023) 2. Outdoor security camera system (11 cameras) 3. A/C replaced in 2023
This home sits in the heart of Flagler Beach, a small coastal town known for its friendly, Old Florida feel. Local boutiques, surf shops, oceanfront restaurants, and weekly markets are all close by. Cruise downtown in your golf cart, watch the sunset from the pier, or grab coffee at a neighborhood café. With smart-home conveniences, storm-ready features, and true waterfront living just steps from the sand, this home offers the best of Florida’s east coast. Move in and start enjoying the lifestyle right away.

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Laundry Room
  • Style: Florida
  • Year Built: 2018
  • Garage: 2-car Garage Door Opener, Off Street
  • Heating: Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 1,686
  • Acreage: 0.24
  • Est. Taxes: $7,244
  • Lot Desc: Cleared, In County, Landscaped, Street Dead-End
  • View: Water
  • Elem. School: Belle Terre Elementary
  • Middle School: Buddy Taylor Middle
  • High School: Flagler-Palm Coast High
  • Pool: Auto Cleaner, Deck, Heated, In Ground, Salt Water
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: A4676318
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/A4676318/630s23rdstreet_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 2/9/2026 10:17:12 AM)
Listing courtesy of FINE PROPERTIES   Phone: 941-782-0000

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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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630 S 23RD STREET, Flagler Beach, FL, 32136

$795,000

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $636,000 $636,000 $636,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.250% 6.000% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.112% 6.178% 5.541%
Monthly Tax Payment $604 $604 $604
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,512 $3,813 $5,113
Total Monthly Payment $4,208 $4,509 $5,809

* 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.