39 TURTLE RIDGE DRIVE, FLAGLER BEACH, FL, 32136
Active236 days on marketListed Nov 28, 2025MLS #FC314395
About this home
39 TURTLE RIDGE DRIVE
This 5-bedroom, 4-bathroom house is situated on a "PREMIUM LAKEFRONT LOT" in wonderful Eagle Lakes. A stunning lakefront view, offers a peaceful relaxed setting.Just minutes from Flagler Beach and I95. Entering the house, you'll be amazed by the expansive open floor-plan that seamlessly integrates the living room, dining room, and kitchen areas. No wasted space! The kitchen features elegant granite countertops, 42" cabinets, double ovens and massive island adding a touch of sophistication, utility and durability. Cooking is a pleasure because of the panoramic views of the tranquil lake. Each of the five bedrooms is oversized sized, offering plenty of space for relaxation and privacy. Each bedroom has a walk in closet. The master bedroom includes its own en-suite bathroom, complete with luxurious amenities such as a soaking tub and a HUGE walk-in shower. A Massive bonus room can be used as a mother-in-law suite or as media/bonus room. Newer AC unit. Throughout the home, large windows allow natural light to flood the rooms and provide breathtaking views of the surrounding landscape. You'll find the screened patio perfect for entertaining or simply unwinding while taking in the serene lake views. This home combines the comfort of spacious living areas with the elegance of granite finishes and the tranquility of a lakefront lot. Plenty of square footage at a great price for SUCH an upscale community.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,457
Sqft
0.23 ac
Lot size
3
Garage
2017
Year built
Two
Levels
$173
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 and the real association fee — not generic estimates.
$4,047 /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
$4,047/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.
vs edgeAI estimate
+15.4%
$/sqft vs Flagler Beach actives
$173 vs $315
Days on market
236 vs 68 typical
Where $173/sqft sits among the 125 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)
62 of 125
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 33% 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 39 TURTLE RIDGE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$610,000
10 HICKORY LANE
6 bd · 4 ba · 3,204 sqft · $190/sqft · 92 DOM
Sold · Nov ’25$620,000
4073 N CHINOOK LANE
5 bd · 3 ba · 3,184 sqft · $195/sqft · 154 DOM
Sold · Jan ’26$539,800
56 SECRETARY TRAIL
4 bd · 3 ba · 3,130 sqft · $172/sqft · 34 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 39 TURTLE RIDGE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39 TURTLE RIDGE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
39 TURTLE RIDGE DRIVE FAQs
What would the monthly payment be for 39 TURTLE RIDGE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,047/mo — principal and interest, the actual property-tax bill, the $73/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 39 TURTLE RIDGE DRIVE?+
The association fee works out to $73 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 39 TURTLE RIDGE DRIVE?+
The most recent tax bill on record (2025) was $4,292. 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 39 TURTLE RIDGE DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $599,000, this home is listed about 3% 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 39 TURTLE RIDGE 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
Four things that matter here
01Positioned at the premium end
$599,000 runs 33% above the FLAGLER BEACH 32136 median — but at 3,457 sqft it's also 68% 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
236 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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER (HAMMOCK) · Jennifer Jewels. MLS #FC314395.
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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