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228 Starboard Dr #228, Flagler Beach, FL, 32136

--beds
0baths
--sqft
$95,000
--price/sqft
$828/moest. monthly cost
$33,120/yrincome needed

About This Home

Rare opportunity to buy a vacant, cleared land-share lot to build your beachside single wide manufactured home in Surfside Estates. This is the only lot share available, they do not come up very often. Surfside Estates is an active 55+ community that is tucked between the Intracoastal Waterway and the Atlantic Ocean. You do not own the land, you do own a share of the community land, your share is the land that your home sits on. There is no lot rent, the low monthly maintenance fee of $220/mo cover cable, Wi-Fi internet, yard care, clubhouse, heated/cooled pool, fitness, library, pool tables, large screen TV, elevator, shuffle board, basketball, fishing docks, kayak launch/storage. There is also a very active social calendar, you can get involved as much or a little as you want, there is always something to do. Bingo, Men's & Woman's cards, Wii-Bowling, water aerobics, line dancing, lunches out, pot luck dinners, Holiday get togethers, karaoke on the roof top deck. Golf cart and pet friendly! The quaint neighboring town of Flagler Beach is just a few minutes down the road, where you will find a variety of shops and restaurants to choose from. Just over the bridge you will find shopping, restaurants, hospitals and doctors. Schedule your appointment to see what this wonderful community has waiting for you to enjoy. If you have thought about building in Surfside Estates and living at the beach, don't miss out on this opportunity!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
60
BikeBikeable

Schools

7/10
4/10
4/10

Construction

Type & Style

  • Home type: Cooperative
  • Property subType: Stock Cooperative,Unimproved Land

Property

Details

  • Parcel number: 2611310420000002290
  • Zoning: RES
  • Special condition: None

Features

  • Waterfront features: Intracoastal Waterway Access,Limited Access

Lot

  • Lot size: 2,955 sqft
  • Features: Buildable,Cleared
  • Lot size dimensions: 21 x 75

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Inland Flooding
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Flagler County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $480$5,760
Home Insurance *$91$1,092
Property Taxes $60$720
Electricity $197$2,366
Total$828$9,936
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$28,388/yr
40% on housing$24,840/yr
45% on housing$22,080/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.3%
16.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 32136$230
Flagler County$229

vs Homes Sold Last Month

Median $/sqft

ZIP 32136$286
Flagler County$192

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-01-27Price change$95,000
2025-12-18Listed for sale$110,000
2025-12-17Pending sale$110,000
2025-09-16Listed for sale$110,000

For Sale by Agent

AgentKimberley Hall
BrokerageSTILES REAL ESTATE CO.

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