604 Cumberland Dr, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot10,498 sqft

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About this home

604 Cumberland Dr is a home in Morningside Sub, Flagler Beach. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

WATERFRONT LIVING JUST MINUTES FROM THE BEACH! Build your beachside dream home on this saltwater canal lot in charming Flagler Beach! Located just 700 feet from the Intracoastal Waterway, this property offers quick access for boating, fishing, jet skiing, and all the outdoor adventures that make coastal Florida living so special. Enjoy a short stroll to the ocean or hop on your golf cart and head into town for local restaurants, shops, the weekly farmers market, and more. The lot is conveniently located approximately 2.5 miles south of the Flagler Beach Pier and 1.5 miles north of Gamble Rogers Recreation Area, with easy access to St. Augustine and Daytona Beach. Whether you're dreaming of a full-time coastal retreat, vacation getaway, or your own slice of Florida paradise, this location puts you close to it all. What are you waiting for? IT'S TIME to build your beachside waterfront dream home!

The essentials

On market
11 days
Annual tax
$2,842
Flood zone
AE
Lot
10,498 sqft
Type
Land

At a glance

Land
Waterfront
Canal - Saltwater
10,498 sqft lot
Lot size

Payment

Est. monthly payment
$2,151/mo
Down payment (20%)
$67,000
Property taxes
$237/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
10,498 sqft
Cooling
-
Heating
-
Parking
-
Waterfront
Canal - Saltwater
Days on Market
11
Elementary
Old Kings Elementary
Middle
Buddy Taylor Middle
High
Flagler-Palm Coast High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone AE
Annual Tax (2025)
$2,842
Parcel #
19-12-32-4550-00300-0020

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
BuildableCity LimitsLevelRoom For PoolStreet Dead-EndPaved

Price history

Date
Event
Price
10/1/2026
Listed for sale
Source: Stellar MLS #FC321867
$335,000

Neighborhood

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

Calculator

Est. monthly payment
$2,152/mo
Principal & interest$1,747
Property taxes$237
Insurance$168
Down payment20% · $67,000
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

$335,000

Time on market

11 days

Monthly payment

About $2,151/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,842 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Have another question?

Brokered bySELBY GROUPListing agent: Debra WingoListing data from Stellar MLS, MLS# FC321867.

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