Single Family Residence in Sunrise Beach, Flagler Beach · No CDD on record · Built 2024
Sunrise Beach · Flagler Beach, FL 32136 · Flagler County
Listing data updated October 13, 2026 at 6:08 AM ET · checked against the MLS hourly
5Bedrooms
4Bathrooms
3,872Sq Ft
2024Year Built
$646Per Sq Ft
Waterfront3-car garageNo CDD on recordFEMA Zone X5 bedrooms
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.
106% above
$/sq ft vs community
$646 here vs $314 median sold (12 mo)
Buyer leverage
Balanced market
109 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~16 ft elevation
$6k–$12k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 13, 2026, 2214 N Central Avenue in Sunrise Beach, Flagler Beach is listed at $2,499,999 (3,872 sq ft, about $646 per sq ft). It has been 109 days on market. Listing facts: built in 2024, waterfront, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2024 · 2 yrs
3,872 sq ft of living area
3-car garage
Listed at $2,499,999 — recent neighborhood median sale price ~$1,237,500 (nearby sales; deemed reliable, not an appraisal)
109 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
A shoreline masterpiece unlike anything else on the Golden Mile, 2214 N Central Ave offers the rare advantage of an FDOT-maintained seawall, allowing its owner to experience paradise without paying the price of private seawall maintenance. This one-of-a-kind modern oceanfront estate was completed in November 2024. Designed as a legacy property with no expense spared, this residence offers contemporary elegance and uncompromising quality.
Anchored between the Atlantic Ocean and the Intracoastal Waterway, A rare dual-water view and an incomparable location directly on A1A, high and dry in flood zone X. Crafted as a luxury coastal fortress, the residence is constructed entirely of reinforced concrete across all three levels, with approximately 24 concrete pilings extending 25 feet deep. Built for peace of mind and durability, the home features impact windows, doors, and an impact-rated garage.
A standing-seam aluminum roof, underground drainage systems, foam insulation, and elevated construction in Flood Zone X deliver a secure, energy-efficient residence engineered to endure while providing exceptional comfort and remote control via your phone. The Smart home's thoughtful design supports a range of lifestyles, whether envisioned as a full-time coastal sanctuary, a lock-and-leave luxury retreat, a multigenerational estate, or a short-term rental. Every level captures the surrounding beauty, pairing unforgettable water views with refined interiors and exceptional craftsmanship.
Elegant, timeless, and truly incomparable, 2214 & 2216 N Central Avenue represent a rare opportunity to own one of Northeast Florida's most distinctive modern oceanfront estates. More than a home, it is a lifestyle defined by peaceful luxury, enduring quality, and views that will inspire generations. Select photographs have been virtually staged and/or digitally enhanced for illustrative purposes.
All 141 photos
Description provided by One Sotheby's International Realty 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$2,499,999
Bed / bath5 / 4
Living area3,872 sq ft
Year built2024
Property typeSingle Family Residence
Garage3-car
MLS #1227915
Listing status109 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~16 ft
CountyFlagler
Area listings1 active · 0 under contract
Estimated first-year tax~$35,875/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$646
Estimated monthly payment$17,528
Insurance (illustrative)$6k–$12k/yr
Messtimate range$836,352 – $1,475,232
Comparable-sales median$1,237,500
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
$17,528/mo
Principal & interest $13,848/mo79%
Taxes $2,990/mo17%
Insurance $691/mo4%
$17,528/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 $14,025/yr ($1,169/mo) — taxable value $958,249 × 14.65 mills
$21,850 more each year
(+156%)
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.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$550,722
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$1,508,971
Market value
$1,008,971
Assessed
$958,249
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.
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)
$6k–$12k/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 insurance not federally mandated (Zone X). 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 X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~16 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 · Sunrise Beach
Pricing & the Sunrise Beach market
How this home is priced against recent nearby sales, and where Sunrise Beach 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
2024BuiltPer public record
About Jun 2026Listed (per MLS)MLS reports 109 cumulative days on market as of October 13, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $2,599,999
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 $2,499,999Momentum Realty · on market 109 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 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.
Sold Jul 2026
$1,250,000
12 Native Oak Court, Palm Coast
4 / 4 bd/ba · 3,817 sq ft · $327/sq ft
Courtesy of Realty Pros Assured · View details →
Sold Jan 2026
$1,225,000
7 Spanish Oaks Court, Palm Coast
5 / 4 bd/ba · 4,079 sq ft · $300/sq ft
Courtesy of Take Action Properties LLC · View details →
Sold Aug 2026
$1,570,000
67 Island Estates Parkway, Palm Coast
6 / 5 bd/ba · 4,122 sq ft · $381/sq ft
Courtesy of Home & Family RE & Property Management · View details →
Sold Sep 2026
$1,900,000
229 Conservatory Drive, Palm Coast
5 / 5 bd/ba · 4,272 sq ft · $445/sq ft
Courtesy of Realty Pros Assured · View details →
Sold May 2026
$565,000
159 Wood Stork Lane, Palm Coast
5 / 4 bd/ba · 3,315 sq ft · $170/sq ft
Courtesy of Coldwell Banker Coast Realty · View details →
Sold Dec 2025
$695,000
213 S Coopers Hawk Way, Palm Coast
5 / 4 bd/ba · 3,213 sq ft · $216/sq ft
Courtesy of Real Broker, LLC · View details →
Median of these 6 sales: $1,237,500 ($314/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.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$836,352the mess$1,475,232
Directional estimate — 6 comparable closed sales within about 10 miles in Flagler County, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $2,499,999 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 76% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing
For reference, this home is listed at $2,499,999 ($646/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 3,872 sq ft × $216–$381/sq ft (interquartile band of 6 comparable closed sales within about 10 miles in Flagler County, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 13, 2026.
Momentum Scores
Momentum Property Score
44/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
44/100 is below average 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 $646/sq ft vs the community 12-month median $314/sq ft.
Affordability0
List price $2,499,999 vs the community median $1,237,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~16 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2024 build. Obtain a property-specific quote.
Coverage: 4 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.
Momentum Research
The Momentum read
🟡 Asking $646 per square foot, about 106% above the community’s $314 median. Sunrise Beach’s 12-month median sold price per square foot is $314. MLS facts: DBAAR closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
48% of homes in Sunrise Beach are owner-occupied. An estimated 52% are non-owner-occupied, including 5% held in a company or trust and 19% 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), 21 homes matched. Community-level context.
What’s unique here: one of only 1 active listings in Sunrise Beach, no CDD assessment.
Updated October 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by One Sotheby's International Realty · MLS # 1227915
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Keep looking
Similar homes for sale near Sunrise Beach
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 less than a mile south of Sunrise Beach.
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 5 miles northwest of Sunrise Beach.
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 Sunrise Beach, 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 3 miles north of Sunrise Beach.
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.
GRADEA
Old KingsAssigned elementary school · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEA
Buddy TaylorAssigned middle school · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEA
Flagler Palm CoastAssigned high school · Flagler County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 2214 N Central Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
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 3,872 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 $35,875/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $21,850 more per year than the current owner’s estimated bill (+156%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
DBAAR, checked against the MLS hourly (last: October 13, 2026)
Comparable sales
DBAAR closed sales within about 10 miles in Flagler County, last 18 months, as of July 12, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X 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.
Answered before you ask
Frequently asked questions
How big is 2214 N Central Avenue and when was it built?
Per the listing record, 2214 N Central Avenue was built in 2024 and has 3,872 sq ft of living area, 5 bedrooms and 4.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 2214 N Central Avenue in?
2214 N Central Avenue is in Sunrise Beach in Flagler Beach, Flagler County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 2214 N Central 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 2214 N Central Avenue differ from the current owner's?
The estimate on this page (about $35,875 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $21,850 more per year than the current owner’s estimated bill (+156%). 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 2214 N Central Avenue in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
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 2214 N Central 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.
