Eric Chery
$1,350,0003 bd3.5 ba2,673 sqft$505 /sqft$8,364 /mo all-in ↓

2549 PALM AVENUE, FLAGLER BEACH, FL, 32136

Active225 days on marketListed Dec 11, 2025MLS #FC314622

New constructionSingle Family ResidenceCEDAR ISLAND SUB

About this home

2549 PALM AVENUE

One or more photo(s) has been virtually staged. Over 1 ACRE at 7+ FT ELEVATION — a rare Flagler Beach find! This custom 3-bedroom, 3.5-bath home is a true gem that must be experienced in person to be fully appreciated. Leave the world behind as you step into this modern, spa-inspired waterfront retreat. Calm, open, and filled with natural light, the home immediately invites relaxation. Clean lines, soothing finishes, and a thoughtfully designed open layout create a peaceful atmosphere—perfect for intimate evenings, entertaining family and friends, or simply enjoying your own private escape. Each bedroom features its own walk-in closet, offering exceptional storage and effortless organization. A serene bonus room provides the ideal space for a home office, yoga studio, or meditation room. Set on over an acre of private, elevated land, the property offers tranquil water views and a sense of seclusion rarely found so close to the coast. There’s ample room to add a pool and design your own outdoor oasis, enhancing the home’s already retreat-like feel. A rare blend of modern comfort, privacy, and coastal tranquility—this is Flagler Beach living at its finest. Don’t miss the opportunity to make this extraordinary retreat your own. Waterfront Information--- The home sits on a saltwater canal with direct access to the Intracoastal Waterway just a few houses away, allowing convenient boating, kayaking, and paddleboarding. Canal depth is typically around 8–9 feet in the center, with shallower areas near the seawall. Because the canal connects to the Intracoastal, the water is tidal with roughly a 2-foot daily tide variation, meaning water levels rise and fall slightly throughout the day. From the Intracoastal Waterway, boaters can travel north or south along Florida’s coastal waterway system and access the Atlantic Ocean through nearby inlets.

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

2,673

Sqft

1.3 ac

Lot size

2

Garage

2025

Year built

Two

Levels

$505

Per sqft

FireplaceTrees/Woods & Water viewPets allowed

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesBar Fridge · Built-In Oven · Dishwasher · Disposal · Electric Water Heater · Exhaust Fan · Freezer · Ice Maker · Kitchen Reverse Osmosis System · Microwave · Range · Range Hood · Refrigerator · Water Filtration System · Water Purifier · Water Softener · Whole House R.O. System · Wine Refrigerator
InteriorAccessibility Features · Ceiling Fan(s) · Dry Bar · High Ceilings · In Wall Pest System · Kitchen/Family Room Combo · Open Floorplan · Pest Guard System · Primary Bedroom Main Floor · Smart Home · Solid Surface Counters · Solid Wood Cabinets · Stone Counters · Thermostat · Walk-In Closet(s) · Wet Bar
LaundryElectric Dryer Hookup · Laundry Room
CoolingCentral Air · Humidity Control
HeatingCentral · Electric · Exhaust Fan · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationSlab · Stem Wall
ViewTrees/Woods · Water
FacesWest
ParkingElectric Vehicle Charging Station(s)
ExteriorBalcony · Gray Water System · Irrigation System · Lighting · Outdoor Kitchen · Outdoor Shower · Permeable Paving · Private Entrance · Private Mailbox · Private Yard · Rain Gutters · Sliding Doors · Storage

Community & fees

HOA fee$42/mo
Taxes (2024)$4,449/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Natural Gas Connected · Propane · Public · Sewer Connected · Sprinkler Well · Water Connected
WaterPublic · Well

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$8,364 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,285
PMI (est., until 20% equity)$506
Property tax — 2024 actual bill$371
HOA fee — from the listing$42
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $135,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $135,000
Interest rate6.00%
Loan term

Estimated payment

$8,364/mo

Principal & interest$7,285
PMI (est., until 20% equity)$506
Property taxes (actual bill)$371
HOA / condo fee$42
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $1.4M
$635KedgeAI estimate $683,402 · range $662K$738K$1.4M

vs edgeAI estimate

+97.5%

$/sqft vs Flagler Beach actives

$505 vs $313

Days on market

225 vs 68 typical

Where $505/sqft sits among the 125 Flagler Beach actives

37
28
21
11
17 · this home
11
$179–249$249–320$320–391$391–461$461–532$532+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Flagler Beach

Map of 2549 PALM AVENUE

Get to know Flagler Beach. See the full Flagler Beach guide →

FLAGLER BEACH 32136 — neighborhood snapshot

Population

8,303

Median age

59.8

Median income

$72,589

Median home value

$438,300

Avg household

2.09

Households w/ children

609

For the school run

Flagler County School District

ElementaryOld Kings Elementary School★★★★
HighFlagler-Palm Coast High School★★★★★
MiddleBuddy Taylor Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Flagler Beach market

Seller’s marketLeans buyer7.1 months of inventoryBuyer’s market

$517K$525K

Flagler Beach median sold, yr/yr

95.3%

Sale-to-list ratio (12 mo)

62 of 125

Flagler Beach actives have cut their price

Median sold price, Flagler Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 200% above the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →

Paper trail

This home's history

Dec 11, 2025Listed at $1,350,000 · 225 days on market since
2025Built · CEDAR ISLAND SUB

Reality check

What actually sold near 2549 PALM AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2569 PALM AVENUESold · Dec ’25

$1,000,000

2569 PALM AVENUE · same community

3 bd · 2.5 ba · 2,985 sqft · $335/sqft · 77 DOM

2590 PALM AVENUESold · Mar ’26

$2,930,000

2590 PALM AVENUE · same community

5 bd · 5 ba · 7,634 sqft · $384/sqft · 77 DOM

100 SEASIDE POINTSold · Apr ’26

$1,275,000

100 SEASIDE POINT

3 bd · 3 ba · 2,504 sqft · $509/sqft · 48 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2549 PALM AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2549 PALM AVENUE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Eric's phone and CRM.

Goes straight to Eric’s phone and CRM.

Straight answers

2549 PALM AVENUE FAQs

What would the monthly payment be for 2549 PALM AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,364/mo — principal and interest, the actual property-tax bill, the $42/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 2549 PALM AVENUE?+

The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2549 PALM AVENUE?+

The most recent tax bill on record (2024) was $4,449. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 2549 PALM AVENUE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Flagler Beach?+

At $1,350,000, this home is listed about 132% above the Flagler Beach median of $581,500. The market section on this page shows how the area is trending.

Which schools are assigned to 2549 PALM AVENUE?+

Old Kings Elementary School (elementary), Flagler-Palm Coast High School (high), Buddy Taylor Middle School (middle) — Flagler County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$1,350,000 runs 200% above the FLAGLER BEACH 32136 median — but at 2,673 sqft it's also 30% larger than the typical Flagler Beach listing.

02Trees/Woods & Water views

The trees/woods and water view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

225 days on market against a Flagler Beach median of 68 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Old Kings Elementary School, Flagler-Palm Coast High School, Buddy Taylor Middle School — Old Kings Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of ENGEL VOLKERS PALM COAST · Maria Druin. MLS #FC314622.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

Never miss a listing

New Flagler Beach homes, in your inbox

Like 2549 PALM AVENUE but not quite? A daily digest of every new listing in Flagler Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Eric to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated July 24, 2026 at 2:17 PM UTC. The listing information on this page last changed on July 24, 2026 at 2:17 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on July 24, 2026 at 2:17 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: July 24, 2026 at 2:17 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. IDX information is provided exclusively for consumers'' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.