860 LAMBERT AVENUE, FLAGLER BEACH, FL, 32136
Active62 days on marketListed Jun 11, 2026MLS #FC319179
About this home
860 LAMBERT AVENUE
Virtually Staged. ?Luxury Waterfront Estate on the Matanzas River — 3,880 SF with Direct River Access & Transferable Dock Permit! ?RIVERFRONT LUXURY REFINED — Set on just under half an acre with 81 feet of direct Matanzas River frontage, this fully updated 3,880 sq. ft. coastal estate delivers rare architectural flexibility, high-end modern finishes, and elevated living on coveted Lambert Avenue. ?ELEVATED MAIN LIVING & MEDIA WING (2nd Floor): Spanning the second floor, the main living hub is designed to capture panoramic water views through dramatic 24-foot sliding glass doors that open to a massive covered deck. The designer kitchen is outfitted with luxury quartz countertops, full tile backsplash, shaker cabinetry, LG stainless steel appliances, and a dedicated coffee bar with custom shelving. This floor offers 4 bedrooms, 2 custom-tiled spa bathrooms with rainfall showerheads, a sun-drenched sunroom, and an expansive media/flex room—ideal for a private executive home office, media retreat, or secondary family wing with its own direct access from the oversized garage. ?GROUND-FLOOR IN-LAW SUITE (1st Floor): With its own private exterior entrance and river views, the fully updated 2-bedroom ground-floor suite features a coastal style with a full kitchen, dining area, living room, full bath, and laundry setup—perfect for extended family, hosted guests, or flexible living. ?BONUS FLEX STUDIO & SUNROOM: Expanding the lower level is a crisp, bright flex studio with its own attached sunroom. Complete with fresh paint, brand-new doors, and custom-finished floors, this versatile space offers endless possibilities as a quiet executive home office, private fitness studio, game room, or extra storage retreat. ?FULL STRUCTURE RENEWAL & WATERFRONT LIFESTYLE: Turnkey from top to bottom featuring a new roof, new Hardie board siding, updated windows and doors, new luxury flooring, three HVAC systems, a new concrete driveway, and an oversized 3-car garage with an integrated half bath. Step into your backyard to fish, launch kayaks, or build your custom deep-water dock with an active transferable permit. No HOA. Just minutes from downtown Flagler Beach's shops, dining, and beaches. ?Schedule your private tour to experience this rare riverfront sanctuary in person.
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
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.
$7,862 /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
$7,862/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
$322 vs $315
Days on market
62 vs 62 typical
Where $322/sqft sits among the 120 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
$446K → $537K
Flagler Beach median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
58 of 120
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 194% 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 860 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$884,000
940 LAMBERT AVENUE · same community
3 bd · 2 ba · 1,821 sqft · $485/sqft · 92 DOM
Sold · Oct ’25$1,025,000
223 S RIVERWALK DRIVE
5 bd · 4 ba · 3,960 sqft · $259/sqft · 55 DOM
Sold · Jun ’26$524,990
30 ORION DRIVE
5 bd · 3.5 ba · 3,161 sqft · $166/sqft · 161 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
Rachel Jean-Baptiste
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 860 LAMBERT AVENUE — start here.
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 Rachel'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 126% above the Flagler Beach median of $552,990. 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 194% 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.
Keep looking
Similar homes nearby
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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