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Overview

3 bd2 ba1,699 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1989
Lot10,498 sqft
Living area1,699 sqft
Price / sqft$410
Garage2 car

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About this home

Open FloorplanSolid Surface CountersSolid Wood CabinetsSplit BedroomThermostatVaulted Ceiling(s)Private YardDishwasher

624 Cumberland Dr is a 1989-built home in Morningside Sub, Flagler Beach. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,699 square feet of living space. Listed at $697,000 (about $410/sqft), 27 days on market. Flood zone X500* - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

MLS Listing Description Waterfront living at its best! This beautifully updated 3-bedroom, 2-bath block home is ideally situated on a private cul-de-sac along a saltwater canal with direct access to the Intracoastal Waterway and a personal dock offering beautiful water views. Boaters, anglers, kayakers and paddleboarders will love the convenience—hop in your boat and reach the Intracoastal in less than 200 yards. Inside, the thoughtfully designed floor plan offers spacious living areas and a stunning oversized primary suite featuring a huge walk-in closet and a beautiful ensuite bath with a large walk-in shower and separate deep soaking tub. The home has been meticulously updated and maintained, providing a move-in-ready opportunity in a highly desirable waterfront setting. The exterior is equally impressive, with block construction, a durable metal roof, oversized two-car garage and an extra-wide driveway providing abundant parking. Enjoy the Florida lifestyle from the covered rear patio with pergola overlooking the beautifully landscaped front and backyard. There is also plenty of room to add a pool if desired. Located in an X flood zone, according to available property information, this home offers an exceptional combination of waterfront access, thoughtful updates, outdoor living and boating convenience. Whether you’re looking for a full-time residence, coastal retreat or waterfront lifestyle, 624 Cumberland Drive offers the opportunity to enjoy Florida living right from your own dock.

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The essentials

Built
1989
Price / sqft
$410
On market
27 days
Annual tax
$7,148
Flood zone
X500* · Low risk
Lot
10,498 sqft
Type
Single Family Residence

At a glance

Single family
Built 1989
Waterfront
Canal - Saltwater
2 car garage
10,498 sqft lot
Lot size
1,699 sqft
Living area

Payment

Est. monthly payment
$4,579/mo
Down payment (20%)
$139,400
Property taxes
$596/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1989
Lot
10,498 sqft
Cooling
Central Air
Heating
Central
Parking
-
Waterfront
Canal - Saltwater
Days on Market
27
Open Floorplan
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Thermostat
Vaulted Ceiling(s)
Private Yard
Dishwasher
Range
Refrigerator
Flood Zone X500*
Annual Tax (2025)
$7,148
Parcel #
19-12-32-4550-00300-0070

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
Morningside Sub
County
Flagler
MLS Area
32136 - Flagler Beach
Lot Size
10,498 sqft

Price history

Date
Event
Price
9/17/2026
Listed for sale
Source: Stellar MLS #FC321542
$697,000
$410/sqft

Neighborhood

624 Cumberland Dr
Flagler Beach, FL, 32136 · 32136 - Flagler Beach

Market insights

Offer Insights

Choose an offer strength

List price: $697,000
$675,000 – $697,000
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 27.

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
$4,579/mo
Principal & interest$3,635
Property taxes$596
Insurance$349
Down payment20% · $139,400
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

$697,000

$410 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,699 sq ft

Time on market

27 days

Year built

1989

Monthly payment

About $4,579/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,148 annual tax bill, insurance.

Flood zone

Zone X500*

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

Offer

What should I offer?

Have another question?

Brokered bySTILES REAL ESTATE CO.Listing agent: Robert StilesListing data from Stellar MLS, MLS# FC321542.

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