430 LAMBERT AVENUE, FLAGLER BEACH, FL, 32136
Active298 days on marketListed Sep 26, 2025MLS #FC312923
About this home
430 LAMBERT AVENUE
Breathtaking Intracoastal Living in Flagler Beach! Welcome to 430 Lambert Ave—an elegant 4-bedroom, 4-bath waterfront residence offering the perfect blend of luxury, comfort, and Florida lifestyle. Situated on over a half-acre, directly on the Intracoastal Waterway, this home is designed for those who appreciate quality craftsmanship, stunning views, and the convenience of having your own private dock with a boat lift. From the moment you arrive, the paver entryway, mature landscaping, and impeccable curb appeal set the tone. Inside, you’ll be captivated by soaring double tray ceilings with crown molding and rope lighting, magnificent chandeliers, and an open layout perfect for entertaining. The chef’s kitchen is equipped with 42" deluxe cabinets, granite countertops, tile backsplash, stainless steel appliances including a gas stove, double oven, and surround sound. The primary suite is a true retreat featuring his-and-her vanities and walk-in closets, a spa-like bathroom with a stand-alone soaking tub, walk-in tiled shower, and timeless finishes. Two bedrooms offer private en-suites, while the home’s layout provides both comfort and privacy for family and guests. Additional highlights include recessed lighting, tiled floors, and a spacious 3-car garage. Step outside to your screened-in pool overlooking the water—a serene place to relax or entertain. With a private dock and lift, boating and water activities are just steps from your back door. Living in Flagler Beach means living where others vacation. This charming coastal town is known for its laid-back vibe, beautiful beaches, and small-town charm. Spend your mornings fishing or paddle boarding, afternoons exploring local parks and biking trails, and evenings strolling along the pier. Dine at beloved local spots such as Golden Lion Café, Flagler Fish Company, and Funky Pelican—or browse the quaint shops and markets. With easy access to both St. Augustine and Daytona Beach, you’ll enjoy the perfect balance of peaceful coastal living and nearby city conveniences. Don’t miss the opportunity to own this stunning waterfront home and experience the Flagler Beach lifestyle at its finest!
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,541
Sqft
0.53 ac
Lot size
3
Garage
2012
Year built
One
Levels
$482
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.
$8,045 /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
$8,045/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.
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.
$/sqft vs Flagler Beach actives
$482 vs $315
Days on market
298 vs 68 typical
Where $482/sqft sits among the 128 Flagler Beach actives
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
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)
59 of 128
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 173% above the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 430 LAMBERT AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$869,000
470 LAMBERT AVENUE · same community
3 bd · 2 ba · 2,228 sqft · $390/sqft · 15 DOM
Sold · Dec ’25$1,560,000
440 LAMBERT AVENUE · same community
4 bd · 3.5 ba · 3,076 sqft · $507/sqft · 178 DOM
Sold · Nov ’25$700,000
350 LAMBERT AVENUE · same community
2 bd · 2.5 ba · 1,884 sqft · $372/sqft · 15 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.
Your agent
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 430 LAMBERT AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 430 LAMBERT AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
430 LAMBERT AVENUE FAQs
What would the monthly payment be for 430 LAMBERT AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,045/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 430 LAMBERT AVENUE?+
The most recent tax bill on record (2024) was $9,785. 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 $1,225,000, this home is listed about 111% 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 430 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
Five things that matter here
01Positioned at the premium end
$1,225,000 runs 173% above the FLAGLER BEACH 32136 median — but at 2,541 sqft it's also 24% larger than 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.
03Time on market is leverage
298 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.
05The price has already moved
Listed at $1,350,000, now $1,225,000 — a $125K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA BEACHES REAL ESTATE · Tony Garren. MLS #FC312923.
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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