Rui Ma
$384,999$390,0004 bd2 ba2,153 sqft$179 /sqft$2,963 /mo all-in ↓

18 EAGLE LAKE DRIVE, FLAGLER BEACH, FL, 32136

Active92 days on marketListed Apr 20, 2026MLS #FC317878

Priced 14% below the FLAGLER BEACH 32136 medianReduced $5KSingle Family ResidenceEAGLE LAKES

About this home

18 EAGLE LAKE DRIVE

Welcome to this beautifully maintained Adams-built brick home, constructed in 2017 and located in the Eagle Lakes community off South Old Kings Road. This move-in-ready residence offers 4 bedrooms, 2 bathrooms, and 2,153 square feet of living space, with a thoughtfully designed split floor plan that provides both privacy and functionality. Inside, you’ll find a well-appointed kitchen featuring all matching stainless steel appliances, perfect for both everyday living and entertaining. The home also includes a convenient indoor laundry room and elegant plantation shutters that add a timeless touch throughout. Step outside to enjoy the enclosed, tiled porch—an ideal space to relax year-round while overlooking your backyard. The property is equipped with an irrigation system, making it easy to maintain a lush, green lawn. Perfect for first time home buyers or someone looking to upgrade, this home combines modern comfort with quality construction and a prime location close to shopping, dining, and everything the area has to give. Call today and schedule your private tour

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

2,153

Sqft

0.23 ac

Lot size

2

Garage

2017

Year built

One

Levels

$179

Per sqft

Pets allowed

Inside

FlooringCarpet · Laminate
AppliancesDishwasher · Disposal · Electric Water Heater · Range
InteriorCeiling Fan(s) · High Ceilings · Open Floorplan · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingHeat Pump

Outside & construction

RoofShingle
ConstructionBrick · Wood Frame
FoundationSlab
FacesSouth
ExteriorIrrigation System

Community & fees

HOA fee$83/mo
Taxes (2025)$3,400/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Sprinkler Well
WaterNone

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.

$2,963 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,266
FHA mortgage insurance (est.)$170
Property tax — 2025 actual bill$283
HOA fee — from the listing$83
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,475Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

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
Down payment3.5% · $13,475
Interest rate6.00%
Loan term

Estimated payment

$2,963/mo

Principal & interest$2,266
FHA mortgage insurance (est.)$170
Property taxes (actual bill)$283
HOA / condo fee$83
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 $385K
$342KedgeAI estimate $374,807 · range $356K$384K$400K

vs edgeAI estimate

+2.7%

$/sqft vs Flagler Beach actives

$179 vs $316

Days on market

92 vs 68 typical

Where $179/sqft sits among the 128 Flagler Beach actives

39 · this home
29
19
13
16
12
$179–253$253–327$327–401$401–476$476–550$550+

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 18 EAGLE LAKE DRIVE

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)

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 14% below the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $384,999 $5K
Apr 20, 2026Listed at $390,000 · 92 days on market since
2017Built · EAGLE LAKES

Reality check

What actually sold near 18 EAGLE LAKE DRIVE

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

3709 DONEGAL CIRCLESold · Apr ’26

$485,000

3709 DONEGAL CIRCLE

3 bd · 2 ba · 2,186 sqft · $222/sqft · 560 DOM

2 SECKEL COURTSold · Jul ’26

$374,900

2 SECKEL COURT

4 bd · 3 ba · 2,117 sqft · $177/sqft · 65 DOM

38 TURTLE RIDGE DRIVESold · Jul ’25

$350,000

38 TURTLE RIDGE DRIVE

4 bd · 3 ba · 2,094 sqft · $167/sqft · 138 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.

Rui Ma

Your agent

Rui Ma

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 18 EAGLE LAKE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 18 EAGLE LAKE DRIVE — 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.

Goes straight to Rui’s phone and CRM.

Straight answers

18 EAGLE LAKE DRIVE FAQs

What would the monthly payment be for 18 EAGLE LAKE DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,963/mo — principal and interest, the actual property-tax bill, the $83/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 18 EAGLE LAKE DRIVE?+

The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 18 EAGLE LAKE DRIVE?+

The most recent tax bill on record (2025) was $3,400. 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 18 EAGLE LAKE DRIVE?+

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 $384,999, this home is listed about 34% below the Flagler Beach median of $581,500. The market section on this page shows how the area is trending.

Which schools are assigned to 18 EAGLE LAKE DRIVE?+

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

Three things that matter here

01Under the FLAGLER BEACH 32136 market on paper

$384,999 is 14% below the FLAGLER BEACH 32136 median of $449,450, and at $179/sqft it sits under the Flagler Beach average of $351.

02Strong 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.

03The price has already moved

Listed at $390,000, now $384,999 — a $5K cut. The full history is in the market section below.

Listing courtesy of GRAND LIVING REALTY · Paul DeSousa. MLS #FC317878.

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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