712 Central Ave N, photo 1
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Overview

3 bd2 ba1,968 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1989
Lot6,000 sqft
Living area1,968 sqft
Price / sqft$343
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboPrimarybedroom UpstairsStone CountersThermostat

712 Central Ave N is a 1989-built home in Cochran Place, Flagler Beach. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,968 square feet of living space. Listed at $675,000 (about $343/sqft), 49 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Just one block from the Atlantic Ocean in the heart of Flagler Beach, 712 N Central Avenue combines an exceptional beachside location, partial ocean views and established rental income with the relaxed coastal lifestyle that makes this community so desirable. Beach access at North 7th and North 8th Streets is moments away, while restaurants, shops and local favorites are easily reached on foot or by bike. From morning walks along the shoreline to evenings enjoying ocean breezes from the upper deck, this is quintessential Flagler Beach living. Significant permitted improvements provide added peace of mind, including a roof completed in 2021, impact windows and doors installed in 2020, a 3.5-ton HVAC system replaced in 2025 and a ductless mini-split added to the first-floor studio in 2025. Exterior vinyl siding was replaced with durable lap siding in 2018, and the front and rear decks were replaced in 2017. The property is located in Flood Zone X. Adding immediate value and versatility, the first floor features an income-producing studio currently leased at $1,400 per month through August 2027. With its own private entrance, closet, full bath and kitchenette with sink, microwave, refrigerator and upper and lower cabinetry, the space provides an established revenue stream while remaining separate from the main residence. A two-car garage provides convenient parking and additional storage. Upstairs, vaulted ceilings and abundant natural light create an airy coastal atmosphere throughout the main living spaces. Impact-glass windows and sliding doors connect the interior to expansive outdoor decks, where partial ocean views and sea breezes reinforce the home’s unmistakable sense of place. An outdoor shower is ideal after a day spent at the beach. With the Atlantic just one block away, established rental income already in place and substantial improvements completed, 712 N Central Avenue presents a distinctive opportunity for a primary residence, coastal retreat or beachside property with income-producing potential in one of Flagler Beach’s most desirable locations.

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The essentials

Built
1989
Price / sqft
$343
On market
49 days
Annual tax
$10,360
Flood zone
X · Low risk
Lot
6,000 sqft
Type
Single Family Residence

At a glance

Single family
Built 1989
Water views
Water
2 car garage
Driveway
6,000 sqft lot
Lot size
1,968 sqft
Living area

Payment

Est. monthly payment
$4,721/mo
Down payment (20%)
$135,000
Property taxes
$863/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1989
Lot
6,000 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Days on Market
49
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Primarybedroom Upstairs
Stone Counters
Thermostat
Vaulted Ceiling(s)
Window Treatments
Lighting
Outdoor Shower
Private Mailbox
Private Yard
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Flood Zone X
Annual Tax (2025)
$10,360
Parcel #
01-12-31-1100-00070-0120

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Cochran Place
County
Flagler
MLS Area
32136 - Flagler Beach
Lot Size
6,000 sqft
ClearedLandscaped

Price history

Date
Event
Price
10/10/2026
Price change
Source: Stellar MLS #FC320827
$675,000-3.6%
$343/sqft
8/28/2026
Listed for sale
Source: Stellar MLS #FC320827
$700,000
$356/sqft

Neighborhood

712 Central Ave N
Flagler Beach, FL, 32136 · 32136 - Flagler Beach

Market insights

Offer Insights

Choose an offer strength

List price: $675,000
$655,000 – $675,000
97.2% – 100% of listTops out right at the list price
80% of listList price
57 of the last 112 home closings in 32136 landed at this number or higher (51%). The median one sat 74 days before it went under contract, and this one is on day 49 after a $25,000 cut.

Sample: 112 closed home sales in 32136 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,721/mo
Principal & interest$3,520
Property taxes$863
Insurance$338
Down payment20% · $135,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$675,000

$343 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,968 sq ft

Time on market

49 days

Year built

1989

Monthly payment

About $4,721/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $10,360 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

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Brokered byONE SOTHEBYS INTERNATIONALListing agent: Katherine GableListing data from Stellar MLS, MLS# FC320827.

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