
860 LAMBERT AVENUE, FLAGLER BEACH, FL, 32136
Active42 days on marketListed Jun 11, 2026MLS #FC319179
About this home
860 LAMBERT AVENUE
Virtually Staged. RIVERFRONT residential 4 bedroom retreat updated throughout with an additional 2 bedroom suite with a full kitchen for extended family or live in one and rent out the other. Coastal vibe throughout, with ocean-inspired tones that blur the line between indoors and out, all wrapped around nearly 3,880 sq ft of true multi-generational living on the water. Set on almost half an acre, the property offers space and privacy rarely found this close to the water — room for a future pool, garden, or simply to spread out and enjoy the river breeze under mature trees. Second Floor: this primary living space spans approx 2,700 sq ft with 4 bedrooms, 2 bathrooms, an open layout with huge media room or flex room, and a sunroom with a wall of sliding doors opening to a covered deck with unobstructed Matanzas River views — the kind of space where mornings start with coffee and sunsets end with a glass of wine. The kitchen is outfitted with LG appliances, shaker cabinets, quartz countertops, a designer tile backsplash, and a coffee bar with a full wall of designer tile and shelving for all your coffee condiments. The bathrooms feature floor-to-ceiling tile, wood vanity sinks, and a rainfall shower head for a spa-like experience at home. First Floor: Features an updated 2-bedroom suite with it's own private entrance, this suite continues that same coastal style — full kitchen, dining, living room, full bath, and river views — perfect for extended family, guests, or long-term tenant income. BONUS: Third suite: Unfinished 1-bedroom with its own sunroom offers incredible upside — fully plumbed for a kitchenette and bath, ready to become a third living space, studio, home office, or guest retreat. Move-in ready from top to bottom: new roof, three HVAC systems, water heater, Hardie board siding, new concrete driveway, windows and doors, and dramatic 24-foot sliding glass doors, new flooring throughout with Luxury LVL and custom tile throughout. With 81 feet of direct river frontage, a transferable dock permit, riparian rights, a 3-car garage with half bath, and no HOA — this is rare value for this level of finish on Lambert Avenue. Launch a kayak at sunrise, fish off your own backyard, or simply sit back and watch the river change with the tides. Just minutes from downtown Flagler Beach's shops, restaurants, and pier. Homes like this don't come up often. Schedule your private showing today.
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.
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 178% 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
Steeve Cadeau
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 Steeve'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 115% 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 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 178% 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.
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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