420 LAMBERT AVENUE, FLAGLER BEACH, FL, 32136
Active62 days on marketListed May 22, 2026MLS #FC318733
About this home
420 LAMBERT AVENUE
ADORABLE, CHARMING AND A BIT MAGICAL! This 3 bedroom 3 bathroom home on the intracoastal waterway has unlimited potential and is right in the middle of one of (“Florida's Coolest Little Beach Towns"), Flagler Beach. This area is a boater and beach lovers dream. Let your mind bring you to the renovation opportunity of a life time or build a true stunner in your own time. No HOA, no CDD, no builder restrictions and nearly half an acre with 80’ of river frontage. This home in its current condition will make a great investment, rental, second home or primary residence. Take a chance and come look for yourself. You will be amazed at the wild life right in your backyard as well the endless relaxing views of boats cruising to destinations most of us have never seen. This home is also close to everything, several airports, I-95, shopping, Hospitals and medical professionals. St. Augustine and Orlando attractions are all just a short drive away. The seller is looking to move back near grandchildren and family and say we are ready to sell. Don’t miss this opportunity for privacy on the water give me or your agent a call soon
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,875
Sqft
0.43 ac
Lot size
2
Garage
1968
Year built
One
Levels
$347
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,592 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,592/mo
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Flagler Beach 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 44% above the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →
Paper trail
This home's history
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.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 420 LAMBERT AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 420 LAMBERT AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
420 LAMBERT AVENUE FAQs
What would the monthly payment be for 420 LAMBERT AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,592/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 420 LAMBERT AVENUE?+
The most recent tax bill on record (2025) was $8,172. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Flagler Beach?+
At $649,900, this home is listed about 12% 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 420 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
$649,900 runs 44% above the FLAGLER BEACH 32136 median.
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 $699,000, now $649,900 — a $49K cut. The full history is in the market section below.
Listing courtesy of FLAGLER REALTY PROFESSIONALS LLC · Randall Doyle. MLS #FC318733.
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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