1955 N CENTRAL AVENUE, Flagler Beach, FL, 32136 | $1,299,000

OCEAN VIEWS - Step into a lifestyle defined by Atlantic Ocean vistas - this three-story coastal sanctuary blends classic Florida charm with modern luxury. Just a two-minute walk from the beach, allowing you to literally watch the Atlantic Ocean from your upstairs living spaces and expansive porches. The property showcases breathtaking double views with stunning panoramas of both the Atlantic Ocean sunrise and the Intracoastal Waterway sunset. Designed to embrace the elements, it boasts over 1, 700 square feet of outdoor balconies and patios spanning all three floors, ensuring an unmatched outdoor living experience. For ultimate peace of mind, the home features hurricane-impact windows and doors, commercial-grade rolldown storm shutters on east-facing exterior doors, a durable metal roof (2017), X Flood zone and a whole-house generator. Vehicle and toy storage are equally impressive, offering a two-car garage finished with premium Shark Coatings alongside a dedicated golf cart garage. All of this is situated in a highly desirable, golf-cart-friendly community just moments away from the best local restaurants, cafes, and boutique shops.
The thoughtfully designed three-story floor plan begins on the first floor, a space dedicated to flexibility and function. It features a massive bonus area ideal for a game room, media center, or home gym. It also offers excellent in-law suite potential as it can easily convert into a fifth bedroom or private guest quarters, all with direct access to the multi-car garage and covered outdoor patios.
Moving to the second floor brings you to the entertaining hub of the home. The main entry welcomes you with French doors, many windows for Ocean views and light-filled open spaces. At its heart is a recently remodeled gourmet kitchen featuring upgraded stainless steel appliances, crisp white cabinetry, a stylish glass backsplash, and a convenient breakfast bar. The adjacent living and dining areas are positioned perfectly to overlook the ocean while you dine and relax, complemented by a full guest bedroom, adjacent bathroom, and spacious balconies positioned to catch the ocean breeze and Intracoastal views too.
The third floor serves as the ultimate private retreat, anchored by a luxurious primary ensuite. This master sanctuary overlooks the ocean and comes complete with its own private morning coffee station. Two additional bright and airy guest rooms share a beautifully appointed full bathroom on this level, and every room enjoys direct access to elevated balconies featuring sweeping views of the water.
Leave the car behind, hop in your golf cart, and enjoy the laid-back vibe of one of Florida's most beloved beach towns. Call today to preview!

Features

  • Rooms: 3
  • Bedrooms: 4
  • Baths: 3 full
  • Lot Size: 50 x 150
  • Laundry: Inside
  • Style: Florida
  • Year Built: 2006
  • Garage: 2-car Golf Cart Garage
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 3,572
  • Acreage: 0.17
  • Lot Size: 50 x 150
  • Est. Taxes: $9,336
  • Lot Desc: Corner Lot, City Lot
  • View: Water
  • Appliances: Bar Fridge, Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer, Water Purifier, Wine Refrigerator
  • MLS#: FC319453
  • Days on Market: 4 days
  • Website: https://www.raveis.com
    /eprop/FC319453/1955ncentralavenue_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 7/2/2026 10:47:07 PM)
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR   Phone: 888-977-1588

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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

Our Executive Mortgage Banker:

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1955 N CENTRAL AVENUE, Flagler Beach, FL, 32136

$1,299,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,039,200 $1,039,200 $1,039,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.000% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.263% 6.121% 6.183%
Monthly Tax Payment $778 $778 $778
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,064 $6,231 $8,769
Total Monthly Payment $6,967 $7,134 $9,672

* 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.