119 N Palmetto Avenue, Flagler Beach, FL 32136
Sources: DBAAR (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
119 N Palmetto Avenue in Venice Park, Flagler Beach is listed at $514,470 (1,102 sq ft, about $467 per sq ft). That is 47% above Venice Park's median closed sale of $350,500 over the last 12 months (8 recorded sales). Per square foot it is above the community's recent $178/sq ft by about 162%. It has been listed Jun 17, 2026, longer than the community's typical 54 days to contract. Listing facts: built in 1960, waterfront, no HOA. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 1960 · 66 yrs
- 1,102 sq ft of living area
- 1-car garage
- Listed at $514,470 — recent neighborhood median sale price ~$350,500 (nearby sales; deemed reliable, not an appraisal)
- listed Jun 17, 2026
- No HOA reported by the listing (confirm)
About this home
JUST REDUCED $22,000! YOUR FLORIDA WATERFRONT DREAM IS WITHIN REACH! BRAND-NEW ROOF + PRIVATE DOCK + DIRECT INTRACOASTAL ACCESS!
Out-of-state buyers, your Florida lifestyle starts here! Imagine trading cold winters, busy city life, and everyday stress for sunshine, boating, beach days, and breathtaking waterfront sunsets. Now is your opportunity to make that dream a reality with this beautifully updated saltwater canal home in charming Flagler Beach, Florida—now offered at a major $22,000 price reduction!
Located just four blocks from the Atlantic Ocean, this exceptional property offers the best of coastal living with direct Intracoastal Waterway access and your own private dock. Bring your boat and discover the freedom of stepping into your backyard to enjoy a day of cruising, fishing, kayaking, or paddleboarding. Start your mornings with peaceful canal views, spend your afternoons at the beach, and end your evenings relaxing around the fire pit beneath spectacular Florida sunsets.
Love the Florida lifestyle but want convenience, too? Flagler Beach's local restaurants, boutique shops, live music, and community events are just minutes away by foot, bike, or boat. Enjoy the laid-back charm of this coastal community while having everything you need close at hand.
The oversized, fully fenced homesite is a rare find so close to the beach, offering plenty of room for family, pets, outdoor entertaining, and all your recreational toys. Dedicated RV parking with hookups and ample space for your boat and trailer make this property especially appealing to those who love traveling and exploring. The spacious paver patio creates the perfect setting for outdoor dining, entertaining friends, or simply soaking up the Florida sunshine.
Inside, thoughtful updates create a comfortable and inviting coastal retreat. Improvements include refreshed bathrooms, stylish lighting, newer kitchen appliances, a new range, a tankless water heater, private well irrigation, newer fencing, and an energy-efficient four-zone mini-split HVAC system with dual compressors for customized comfort throughout the home. Two major improvements are already complete—a BRAND-NEW ROOF and a NEW PRIVATE DOCK!
Enjoy added peace of mind and spend less time worrying about major projects and more time enjoying your new Florida home. Whether you're relocating to Florida, searching for the perfect retirement destination, looking for a seasonal escape from colder climates, or considering a property with potential rental appeal, this home offers exceptional versatility and value. Imagine having your own waterfront retreat where you can enjoy boating, beach living, and the relaxed coastal lifestyle you've been dreaming about.
Waterfront homes offering saltwater canal frontage, direct Intracoastal access, a private dock, an oversized fenced yard, RV and boat accommodations, and the Atlantic Ocean just four blocks away are a special find! DON'T MISS THIS $22,000 PRICE REDUCTION! Your opportunity to own a piece of the Florida waterfront lifestyle is here.
Bring your boat, pack your beach chairs, and get ready to trade snow shovels for sunshine! All information is intended to be accurate but cannot be guaranteed.
All 38 photos
Description provided by Adams, Cameron & Co., Realtors and reproduced from the MLS; not independently verified.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Directional estimate — built from 5 comparable closed sales within about 10 miles in Flagler County (same property type, closed within the last 18 months, each adjusted to today's market); a local size, age, bed and bath model fit on 8 nearby closed sales.
Track record: across 2,804 recent closed sales we scored, the closed price landed inside the Messtimate range 63% of the time; median miss 8.9% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-11.
Actual list price: $514,470 ($467/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
- Condition & updates — a 1960 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
- The lot — this listing is waterfront; water frontage is priced far off nearby averages.
- Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: listed Jun 17, 2026 on market vs. a 54-day community median
- 133 active listings competing, 35 under contract
- ≈126.0 months of supply
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (5) + a local hedonic fit (8 sales); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 11, 2026.
Comparable recent sales
5 closed sales within about 10 miles in Flagler County in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 5 sales: $350,500 ($178/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $2,788/mo 77%
- Taxes $567/mo 16%
- Insurance $279/mo 8%
$3,634/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Daytona Beach Area AR; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 119 N Palmetto Avenue
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $4,550/yr (certified county roll, taxable value × millage). Buy at the asking price of $514,470 and the first-year bill resets to about $6,800/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 14.65 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | The listing states there is no HOA. |
| Home and flood insurance | The average Citizens Property Insurance premium in Flagler County is $1,626/yr (435 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,500–$5,000/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 1960. An original roof would be about 66 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $702/month (tax $567, insurance $136). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Flagler County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Flagler County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Flagler County market
How this home is priced against recent nearby sales, and where Flagler County has been over 25 years. Momentum Research analysis of DBAMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 1960BuiltPer public record
- About Jun 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Jun 17, 2026)
- Sep 30, 2026First seen on our siteObserved at $537,400
- Oct 23, 2026Price cut$514,470 (-$22,930, -4.3%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Momentum Property Score
26/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 126.0 months of supply in the surrounding market and 147 days on market for this home, against a 54-day area median.Days on market:this home 147Area median: 54 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. © 2026 Daytona Beach Area Association of REALTORS®, Inc. As of November 9, 2026.
🟡 Asking $467 per square foot, about 162% above the community’s $178 median. Flagler County’s 12-month median sold price per square foot is $178. Confidence: Medium · 8 closed sales in 12 monthsMLS facts: DBAAR closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
55% of homes in Flagler County are owner-occupied. An estimated 45% are non-owner-occupied, including 9% held in a company or trust and 17% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 1119 homes matched. Community-level context.
Recent Flagler County sales closed near 95.4% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of DBAAR records, community-level, 12 months ending November 9, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 84 active listings in Flagler County, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Adams, Cameron & Co., Realtors · MLS # 1227616
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More on Flagler County
Explore Flagler County
Browse market data, schools, taxes, and homes for sale across the county.
Assigned schools
Schools currently assigned to this address in Flagler County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 119 N Palmetto Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1960 (66 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- Get a homeowners insurance quote for this specific address in Flagler County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 1,102 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $6,800/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,250 more per year than the current owner’s estimated bill (+49%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | DBAAR, checked against the MLS hourly (last: November 11, 2026) |
| Comparable sales | DBAAR closed sales within about 10 miles in Flagler County, last 18 months, as of November 9, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of DBAAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 119 N Palmetto Avenue and when was it built?
Per the listing record, 119 N Palmetto Avenue was built in 1960 and has 1,102 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 119 N Palmetto Avenue in?
119 N Palmetto Avenue is in Venice Park in Flagler Beach, Flagler County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 119 N Palmetto Avenue have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 119 N Palmetto Avenue differ from the current owner's?
The estimate on this page (about $6,800 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,250 more per year than the current owner’s estimated bill (+49%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 119 N Palmetto Avenue in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 119 N Palmetto Avenue in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Daytona Beach Area Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. 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. Source: Daytona Beach Area Association of REALTORS®. © 2026 Daytona Beach Area Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.