3651 S Central Ave #309, photo 1
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Overview

3 bd2 ba1,716 sqft1 car garageCondominium
TypeCondominium
HOA$1,002/mo
Built2002
Living area1,716 sqft
Price / sqft$306
Garage1 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Built-in FeaturesCathedral Ceiling(s)Ceiling Fans(s)ElevatorHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen Floorplan

3651 S Central Ave #309 is a 2002-built home in South Beach Condominium, Flagler Beach. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,716 square feet of living space. Listed at $525,000 (about $306/sqft), 19 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,002 monthly.

From the listing

OCEAN FRONT BEAUTY! Welcome to top-floor coastal luxury in this breathtaking oceanfront corner residence. Soaring cathedral ceilings and expansive windows frame unmatched panoramic views of the ocean, including screened patio equipped with retracting storm shutters, all which flood the spacious three-bedroom, two-bathroom open floor plan with vibrant natural light. Designed for both entertaining and effortless everyday living, the beautiful kitchen comes fully equipped with premium stainless-steel appliances, sleek finishes, and exceptional storage space. The primary suite offers a serene retreat with spectacular ocean views and a dual head shower, while the additional two bedrooms with queen murphy beds which provide ideal accommodations for guests, a home office, or a growing family. The home has A/C and Water Heaters replaced in 2022. Complete with a private, detached enclosed garage for secure parking and extra beach gear storage, this top-floor corner retreat delivers the ultimate luxury coastal lifestyle.

The essentials

Built
2002
Price / sqft
$306
On market
19 days
Annual tax
$9,904
HOA
$1,002/mo
Flood zone
X · Low risk
Type
Condominium

At a glance

Condo
3 stories · 2002
Water views
Water
Private pool
Heated
1 car garage
Private balcony
Outdoor space

Payment

Est. monthly payment
$4,828/mo
Down payment (20%)
$105,000
Property taxes
$825/mo
HOA
$1,002/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
2002
Lot
-
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
Heated, In Ground
Days on Market
19
Built-in Features
Cathedral Ceiling(s)
Ceiling Fans(s)
Elevator
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Stone Counters
Thermostat
Walk-in Closet(s)
Wet Bar
Window Treatments
Balcony
Hurricane Shutters
Lighting
Rain Gutters
Shade Shutter(s)
Community Mailbox
Pool
Wheelchair Access
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Ice Maker
Microwave
Range
Refrigerator
Washer
Wine Refrigerator
Flood Zone x
Annual Tax (2025)
$9,904
Parcel #
29-12-32-0000-01033-3090

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
South Beach Condominium
County
Flagler
MLS Area
32136 - Flagler Beach
Lot Size
-
HOA
$1,002/mo
May Management

Price history

Date
Event
Price
9/26/2026
Listed for sale
Source: Stellar MLS #FC321721
$525,000
$306/sqft

Neighborhood

3651 S Central Ave #309
Flagler Beach, FL, 32136 · 32136 - Flagler Beach

Market insights

Offer Insights

Choose an offer strength

List price: $525,000
$510,000 – $525,000
97.4% – 100% of listTops out right at the list price
80% of listList price
13 of the last 25 condo closings in 32136 landed at this number or higher (52%). The median one sat 53 days before it went under contract, and this one is on day 19.

Sample: 25 closed condo sales in 32136 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,828/mo
Principal & interest$2,738
Property taxes$825
Insurance$263
HOA$1,002
Down payment20% · $105,000
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%. HOA includes any condo dues reported on the listing. 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

$525,000

$306 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,716 sq ft

Time on market

19 days

Year built

2002

Monthly payment

About $4,828/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,904 annual tax bill, insurance, and the $1,002/mo HOA fee.

HOA fee

$1,002/mo

Managed by May Management.

Flood zone

Zone X

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 byBERKSHIRE HATHAWAY HOMESERVICE (OCEANSHORE)Listing agent: Herbert AnkromListing data from Stellar MLS, MLS# FC321721.

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