Eric Chery
$1,249,900$1,300,0006 bd3.5 ba3,880 sqft$322 /sqft$7,862 /mo all-in ↓

860 LAMBERT AVENUE, FLAGLER BEACH, FL, 32136

Active42 days on marketListed Jun 11, 2026MLS #FC319179

Reduced $50KWaterfrontSingle Family ResidenceLAMBERT AVE SUB

About this home

860 LAMBERT AVENUE

Virtually Staged. RIVERFRONT residential 4 bedroom retreat updated throughout with an additional 2 bedroom suite with a full kitchen for extended family or live in one and rent out the other. Coastal vibe throughout, with ocean-inspired tones that blur the line between indoors and out, all wrapped around nearly 3,880 sq ft of true multi-generational living on the water. Set on almost half an acre, the property offers space and privacy rarely found this close to the water — room for a future pool, garden, or simply to spread out and enjoy the river breeze under mature trees. Second Floor: this primary living space spans approx 2,700 sq ft with 4 bedrooms, 2 bathrooms, an open layout with huge media room or flex room, and a sunroom with a wall of sliding doors opening to a covered deck with unobstructed Matanzas River views — the kind of space where mornings start with coffee and sunsets end with a glass of wine. The kitchen is outfitted with LG appliances, shaker cabinets, quartz countertops, a designer tile backsplash, and a coffee bar with a full wall of designer tile and shelving for all your coffee condiments. The bathrooms feature floor-to-ceiling tile, wood vanity sinks, and a rainfall shower head for a spa-like experience at home. First Floor: Features an updated 2-bedroom suite with it's own private entrance, this suite continues that same coastal style — full kitchen, dining, living room, full bath, and river views — perfect for extended family, guests, or long-term tenant income. BONUS: Third suite: Unfinished 1-bedroom with its own sunroom offers incredible upside — fully plumbed for a kitchenette and bath, ready to become a third living space, studio, home office, or guest retreat. Move-in ready from top to bottom: new roof, three HVAC systems, water heater, Hardie board siding, new concrete driveway, windows and doors, and dramatic 24-foot sliding glass doors, new flooring throughout with Luxury LVL and custom tile throughout. With 81 feet of direct river frontage, a transferable dock permit, riparian rights, a 3-car garage with half bath, and no HOA — this is rare value for this level of finish on Lambert Avenue. Launch a kayak at sunrise, fish off your own backyard, or simply sit back and watch the river change with the tides. Just minutes from downtown Flagler Beach's shops, restaurants, and pier. Homes like this don't come up often. Schedule your private showing today.

Facts & features

The home at a glance

6

Bedrooms

3.5

Bathrooms

3,880

Sqft

0.41 ac

Lot size

3

Garage

1977

Year built

Two

Levels

$322

Per sqft

WaterfrontFireplaceWater viewPets allowed

Inside

FlooringCeramic Tile · Luxury Vinyl · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · L Dining · Open Floorplan · PrimaryBedroom Upstairs · Skylight(s) · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Closet · Laundry Room · Upper Level · Washer Hookup
CoolingCentral Air · Zoned
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionHardiPlank Type · Stucco
FoundationBlock · Slab
ViewWater
FacesWest
ParkingBath In Garage · Garage Door Opener · Golf Cart Garage · Off Street · Parking Pad · Split Garage
ExteriorAwning(s) · Balcony

Community & fees

Taxes (2025)$5,869/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

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

$7,862 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,744
PMI (est., until 20% equity)$469
Property tax — 2025 actual bill$489
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $124,990Loan30-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% · $124,990
Interest rate6.00%
Loan term

Estimated payment

$7,862/mo

Principal & interest$6,744
PMI (est., until 20% equity)$469
Property taxes (actual bill)$489
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.

Where it sits

Inside Flagler Beach

Map of 860 LAMBERT 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)

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

This home is listed 178% above the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,249,900 $50K
Jun 11, 2026Listed at $1,300,000 · 42 days on market since
1977Built · LAMBERT AVE SUB

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 860 LAMBERT 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 860 LAMBERT 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

860 LAMBERT AVENUE FAQs

What would the monthly payment be for 860 LAMBERT AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,862/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 860 LAMBERT AVENUE?+

The most recent tax bill on record (2025) was $5,869. 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 860 LAMBERT 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 $1,249,900, this home is listed about 115% 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 860 LAMBERT 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

$1,249,900 runs 178% above the FLAGLER BEACH 32136 median — but at 3,880 sqft it's also nearly twice the size of the typical Flagler Beach listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong 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.

04The price has already moved

Listed at $1,300,000, now $1,249,900 — a $50K cut. The full history is in the market section below.

Listing courtesy of EXP REALTY LLC · Toni Herlo. MLS #FC319179.

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.

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