158 days on market (MLS)Single Family Residence▼ Price cut: $29,100 (9/3)
$499,900
2-Bedroom Home in Fuquay Sub
1436 S Flagler Avenue, Flagler Beach, FL 32136
Single Family Residence in Fuquay Sub, Flagler Beach · No CDD on record
Fuquay Sub · Flagler Beach, FL 32136 · Flagler County
Listing data updated October 19, 2026 at 4:16 AM ET · checked against the MLS hourly
Listed by Realty Hub (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
2Bedrooms
2Bathrooms
1,412Sq Ft
1989Year Built
$354Per Sq Ft
1-car garageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
26% above
$/sq ft vs community
$354 here vs $280 median sold (12 mo)
Buyer leverage
Strong buyer advantage
158 days on market
48.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~5 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 19, 2026, 1436 S Flagler Avenue in Fuquay Sub, Flagler Beach is listed at $499,900 (1,412 sq ft, about $354 per sq ft). It has been 158 days on market. Listing facts: built in 1989, 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.
No CDD assessment on record
Built 1989 · 37 yrs
1,412 sq ft of living area
1-car garage
Listed at $499,900 — recent neighborhood median sale price ~$473,000 (nearby sales; deemed reliable, not an appraisal)
158 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Find Your Own Piece of Sunshine in Flagler Beach! Fall in love with the laid-back rhythm of coastal living in this move-in-ready ranch. Tucked behind a classic white picket fence, this 2-bedroom, 2-bath gem perfectly captures the artsy, effortless spirit of Flagler.
Step through French doors into your private, screened lanai, or head up out to the elevated deck to soak in views of your lush .14-acre retreat. Backing up to the tranquil Conservation creeks and canals of the ICW, privacy is your new neighbor. Inside, the open-concept kitchen is an entertainer's dream--perfect for hosting game day or a post-beach brunch.
Whether you're golf-carting to First Friday, hitting the Farmers Market, or walking just blocks to the Atlantic, this is the beach life you've been dreaming of. Call today for a private tour!
All 37 photos
Description provided by Realty Hub and reproduced from the MLS; not independently verified.
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
List price$499,900
Bed / bath2 / 2
Living area1,412 sq ft
Year built1989
Property typeSingle Family Residence
Garage1-car
MLS #1226421
Listing status158 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~5 ft
CountyFlagler
Area listings4 active · 0 under contract
Estimated first-year tax~$6,600/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$354
Estimated monthly payment$3,580
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$473,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,580/mo
Principal & interest $2,769/mo77%
Taxes $550/mo15%
Insurance $261/mo7%
$3,580/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Flagler County rate (14.65 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property 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.
Current owner’s estimated bill $6,175/yr ($515/mo) — taxable value $420,877 × 14.65 mills
$425 more each year
(+7%)
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
$420,877
Market value
$420,877
Assessed
$420,877
Taxable
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.
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 1436 S Flagler 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 $6,175/yr (certified county roll, taxable value × millage). Buy at the asking price of $499,900 and the first-year bill resets to about $6,600/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 $2,000–$4,500/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 1989. An original roof would be about 37 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 $686/month (tax $550, insurance $136). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~5 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
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.
Hazard risk
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.
HurricaneRelatively High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively Moderate
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
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.
Connectivity
Internet & broadband
Fiber
Check availability
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
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Fuquay Sub
Pricing & the Fuquay Sub market
How this home is priced against recent nearby sales, and where Fuquay Sub 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.
Property timeline
This home’s history
1989BuiltPer public record
About May 2026Listed (per MLS)MLS reports 158 cumulative days on market as of October 19, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $539,990
Aug 7, 2026Price cut$529,000 (-$10,990, -2.0%)
Sep 3, 2026Price cut$499,900 (-$29,100, -5.5%)
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.
Transparency
Price & listing history
Listed for $499,900Momentum Realty · on market 158 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
3 closed sales within about 3 miles 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.
Sold Dec 2025
$600,000
254 Ocean Palm Drive, Flagler Beach
2 / 2 bd/ba · 1,520 sq ft · $395/sq ft
Courtesy of Engel & Volkers St Augustine · View details →
Sold Jan 2026
$360,000
227 Ocean Palm Drive, Flagler Beach
3 / 2 bd/ba · 1,639 sq ft · $220/sq ft
Courtesy of Realty Pros Assured · View details →
Sold Jul 2026
$473,000
265 Ocean Palm Drive, Flagler Beach
3 / 3 bd/ba · 1,692 sq ft · $280/sq ft
Courtesy of Atlantic Ocean Realty · View details →
Median of these 3 sales: $473,000 ($280/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.
Momentum Scores
Momentum Property Score
29/100
Strongest on: Flood safety (45), Affordability (41)
0 limited50100 exceptional
29/100 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.
Price vs area0
This home $354/sq ft vs the community 12-month median $280/sq ft.
Affordability41
List price $499,900 vs the community median $473,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~5 ft elevation. Verify the parcel with FEMA.
Insurance cost26
From FEMA Zone AE and a 1989 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~48.0 months of supply (12-month record).
Coverage: 5 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.
🟡 Asking $354 per square foot, about 26% above the community’s $280 median. Fuquay Sub’s 12-month median sold price per square foot is $280. MLS facts: DBAAR closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 4 active listings in Fuquay Sub, no CDD assessment.
Updated October 19, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Realty Hub · MLS # 1226421
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Keep looking
Similar homes for sale near Fuquay Sub
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Infrastructure
Flagler Beach pier rebuild nears completion with spring opening planned
The $16 million, 800-foot concrete pier is being built by Vecellio and Grogan, with FEMA covering 75% of the cost. Concrete work and pile driving are finished, and substantial completion is expected in January with a spring opening planned. The deck will sit 28 feet above sea level, and access will be free from 5 a.m. to 10 p.m.
Why it matters: Restores a major oceanfront amenity and visitor draw for the Flagler Beach coastline. The site is about 1 mile north of Fuquay Sub.
Palm Coast council advances Magnolia Trace plan for 624 homes on about 1,000 acres
The Palm Coast City Council approved on first reading, 4-1, an amendment converting the former Oare continuing-care village off Belle Terre Boulevard near U.S. 1 into the Magnolia Trace Master Planned Development. The plan calls for 624 units, including single-family homes, townhouses and up to 150 apartments, and 71% of the acreage is already in conservation. A second reading is still required, and Greenpoint Holdings is under contract to buy the land.
Why it matters: Adds a large block of for-sale and rental housing supply along the Belle Terre corridor, if final approval is granted. The site is about 6 miles northwest of Fuquay Sub.
Palm Coast OKs land sale for 36 bed rehabilitation hospital
The Palm Coast City Council, acting as the State Road 100 redevelopment agency board, approved the sale of about 8.5 acres of city owned land to Sanders Trust LLC on July 21, 2026 for a proposed 36 bed inpatient rehabilitation hospital. ClearSky Health would operate the roughly 31 million dollar facility, which must still go through standard development review and permitting before construction.
Why it matters: A new inpatient rehabilitation hospital planned on former city land would add a healthcare facility along the State Road 100 commercial corridor and put an underused parcel into active use, expanding the institutional and commercial building stock. The project is about 5 miles west of Fuquay Sub, elsewhere in Flagler County.
Flagler County advances 35 million dollar beach renourishment
Flagler County is working to award a contract for a roughly 35 million dollar beach renourishment project covering about 5.5 miles of northern county shoreline from Flagler Beach to Varn Park. The project, largely funded by state and FEMA grants, faces a tight deadline with some property easements still unsigned, and a final decision was scheduled for the August 3, 2026 commission meeting.
Why it matters: A large beach renourishment effort would rebuild eroded shoreline and dune systems and help protect the coastal stretch of State Road A1A, supporting the stability of oceanfront property and public beach access. The site is about 4 miles north of Fuquay Sub.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
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.
School zoningThis address is in the Flagler County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 1436 S Flagler Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1989 (37 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.
Listed living area is 1,412 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 $6,600/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $425 more per year than the current owner’s estimated bill (+7%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
DBAAR, checked against the MLS hourly (last: October 19, 2026)
Comparable sales
DBAAR closed sales within about 3 miles, last 18 months, as of July 12, 2026
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.
Answered before you ask
Frequently asked questions
How big is 1436 S Flagler Avenue and when was it built?
Per the listing record, 1436 S Flagler Avenue was built in 1989 and has 1,412 sq ft of living area, 2 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 1436 S Flagler Avenue in?
1436 S Flagler Avenue is in Fuquay Sub in Flagler Beach, Flagler County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 1436 S Flagler 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 1436 S Flagler Avenue differ from the current owner's?
The estimate on this page (about $6,600 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $425 more per year than the current owner’s estimated bill (+7%). 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 1436 S Flagler 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.
Ready when you are
See 1436 S Flagler Avenue in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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.
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 and we will review and correct or remove it promptly.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
