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About this home
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.
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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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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