Waterfront Communities in Flagler County, FL

Looking for waterfront communities in Flagler County, FL? Momentum Realty tracks 7 Flagler County communities with evidence of waterfront living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.

Flagler County waterfront communities at a glance

Communities tracked

$457,500

Median sale price

254 days

Median days on market

Recent closings

The communities, by recent sales activity

Community	City	Median price	1-yr change	Days on mkt
Ocean Palm · agent	Flagler Beach	$304,000	–	232 d
Hammock Dunes · agent	Palm Coast	$750,000	–	121 d
Ocean Hammock · agent	Palm Coast	$1.62M	-10.0%	921 d
Aliki Gold Coast · agent	Flagler Beach	$495,000	–	–
Nautilus Condominiums · agent	Flagler Beach	$420,000	–	103 d
Surfside Estates · agent	Flagler Beach	$239,000	–	119 d
Ocean View Manor	Flagler Beach	–	–	26 d

Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.

What waterfront ownership really costs in Florida

Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand — not an estimate. Our wind mitigation savings calculator shows how inspection credits can offset part of the premium, and the buyer closing costs calculator builds insurance into your cash-to-close number.

Questions to ask about any waterfront listing

Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.

What it costs to own here

At Flagler County’s typical combined millage of 14.65 mills, a purchase at $457,500 (the median across these waterfront communities) generates roughly $6,701 a year in property tax before exemptions — about $558 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Flagler County average about $1,626 a year ($136 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Flagler County near $2,133 (principal and interest on the typical home, tax, and insurance).

Run your exact numbers: the property tax after purchase calculator uses Flagler County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.

Demand and supply in Flagler County right now

In the most recent IRS migration data (2022-2023), Flagler County gained a net 4,355 people to relocation, with the largest inbound flows from NY, NJ, CT. Households moving IN reported average incomes of $91,988 versus $62,225 for those leaving — the income mix of demand, straight from tax filings. Population is up about 13.6% over the recent multi-year window. On the supply side, builders pulled 2,586 residential permits in Flagler County in 2025 (1,950 single-family), down 0.1% year over year — against 3,238 at the 2022 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as undervalued by about 2.3% versus its income-and-rent fundamentals.

The Flagler County market, in context

Flagler County is Palm Coast — one of Florida's newest cities, a planned 1970s ITT development of canals and trails between St. Augustine and Daytona that has become a fast-growing, affordable coastal county with an A-rated school district and a quiet beach-town pace at Flagler Beach.

The economy behind the market: {'drivers': 'healthcare, education, retail and construction, and government', 'summary': "Flagler's economy is led by the school district (the county's largest employer) and healthcare (AdventHealth Palm Coast), with retail, construction, and government rounding out a market still heavily oriented toward retirees and Daytona-and-St. Augustine commuters. Tourism along Flagler Beach and the growing Town Center add to the base.", 'employers': ['Flagler Schools', 'AdventHealth Palm Coast', 'Flagler County government', 'City of Palm Coast', 'Publix', 'Palm Coast Town Center retail'], 'jobNote': "Flagler Schools is the county's largest employer; Palm Coast, incorporated in 1999, is one of Florida's newest and fastest-growing cities."}

What could change it: Flagler's risks are coastal hurricane and flood exposure on Flagler Beach and the barrier 'Hammock' (Hurricanes Matthew and Irma eroded the beachfront and A1A), rising coastal insurance, and the growing pains of a fast-expanding planned city. Inland Palm Coast carries lower surge risk, and insurance runs below the immediate oceanfront.

Near-term outlook: Expect Flagler to keep drawing affordability-focused retirees and commuters over the next 12 months, with new construction in Palm Coast keeping buyers in a good position and the beach and Hammock high end the most premium — coastal insurance the main brake.

Run the numbers in Flagler County

Explore more Florida communities

Common questions

How many waterfront communities does Flagler County, FL have?

Momentum Realty currently tracks 7 communities in Flagler County with evidence of waterfront living in MLS or verified amenity records. Others exist; these are the ones with active market data.

What do homes in Flagler County waterfront communities cost?

The median sale price across tracked waterfront communities in Flagler County is about $457,500, and it varies widely by community. Use the table above for community-level medians.

How does Momentum classify a community as one of the waterfront communities?

A community appears here when we find waterfront, canal, intracoastal, riverfront, lakefront or beach-access amenities reported on MLS listings or verified amenity records for the community. We do not guess from names alone. Verify any specific amenity or restriction with the association before you rely on it.

Can Momentum connect me with an agent for these communities?

Yes. Momentum serves Flagler County and matches you with an agent who works these specific communities. Matching is free and no-obligation.

How much is home insurance in Flagler County?

Citizens Property Insurance policies in Flagler County average about $1,626 a year, per Citizens filings. Private quotes vary widely with roof age, construction and wind mitigation - a wind-mitigation inspection often unlocks meaningful credits.

What are property taxes like in Flagler County?

Typical combined millage in Flagler County is about 14.65 mills - roughly 1.46% of assessed value a year before exemptions. Florida resets assessed value to about your purchase price when you buy, then homestead exemptions and the 3% Save Our Homes cap apply.

Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.