Sara Jean Baptiste
$1,499,0002 bd2 ba1,892 sqft$792 /sqft$9,648 /mo all-in ↓

342 N 12TH STREET, FLAGLER BEACH, FL, 32136

Active0 days on marketListed Aug 14, 2026MLS #FC320667

WaterfrontPrivate poolSingle Family ResidencePALMA VISTA SUB

About this home

342 N 12TH STREET

Waterfront living meets boater's paradise on a deep canal just one minute from the Intracoastal Waterway. This 2-bedroom, 2-bathroom residence with a versatile loft offers 1,892 square feet of updated living space in Flagler Beach, Florida, built in 1997 with a fully rebuilt outdoor entertaining package added in 2020. Wood and tile flooring runs throughout the open living areas, complemented by a gas fireplace and a renovated kitchen built for everyday living and entertaining. The updated master bathroom delivers a spa-like retreat off the primary suite, while the loft adds flexible space for a home office, media room, or guest overflow. Outside, the 2020 renovation transformed the property into a true boater's compound: a heated pool anchors the backyard, framed by a 2-car attached garage plus a separate detached garage for extra storage, workshop space, or watercraft gear. Two dedicated boat lift areas sit canal-side — one sized for jet skis or a smaller vessel, the other a covered lift built for a larger boat — giving direct, no-bridge access to the Intracoastal Waterway in under a minute. Flagler Beach offers a laid-back, low-density alternative to the more crowded beach towns of Northeast Florida, with A1A's oceanfront drive, local restaurants, and the Atlantic coastline just minutes away. This canal-front address puts boating, fishing, and Intracoastal access at your back door while keeping the beach and downtown Flagler Beach within easy reach. Move-in ready for a buyer who wants waterfront living, dual boat lift access, and a renovated interior without the wait — this is a rare find on a protected canal in Flagler Beach, Florida.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,892

Sqft

0.8 ac

Lot size

4

Garage

1997

Year built

Two

Levels

$792

Per sqft

Private poolWaterfrontFireplaceWater view

Inside

FlooringCarpet · Laminate · Luxury Vinyl · Tile
AppliancesCooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Ice Maker · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Vaulted Ceiling(s)
LaundryElectric Dryer Hookup · Inside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionStucco
FoundationBlock · Slab
ViewWater
FacesSouth
ParkingOversized
ExteriorIrrigation System

Community & fees

Taxes (2025)$10,051/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected · Propane · Public · Sewer Connected · Sprinkler Well · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$9,648 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$8,089
PMI (est., until 20% equity)$562
Property tax — 2025 actual bill$838
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $149,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $149,900
Interest rate6.00%
Loan term

Estimated payment

$9,648/mo

Principal & interest$8,089
PMI (est., until 20% equity)$562
Property taxes (actual bill)$838
Est. insurance$160

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

Map of 342 N 12TH STREET

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 seller4.7 months of inventoryBuyer’s market

$446K$530K

Flagler Beach median sold, yr/yr

95.7%

Sale-to-list ratio (12 mo)

Median sold price, Flagler Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 249% above the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →

Paper trail

This home's history

Aug 14, 2026Listed at $1,499,000 · 0 days on market since
1997Built · PALMA VISTA SUB

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.

Sara Jean Baptiste

Your agent

Sara Jean Baptiste

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 342 N 12TH STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 342 N 12TH STREET — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Sara's phone and CRM.

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Goes straight to Sara’s phone and CRM.

Straight answers

342 N 12TH STREET FAQs

What would the monthly payment be for 342 N 12TH STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,648/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 342 N 12TH STREET?+

The most recent tax bill on record (2025) was $10,051. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Flagler Beach?+

At $1,499,000, this home is listed about 172% above the Flagler Beach median of $550,995. The market section on this page shows how the area is trending.

Which schools are assigned to 342 N 12TH STREET?+

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

$1,499,000 runs 249% above the FLAGLER BEACH 32136 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Listed today in a Flagler Beach market that averages 57 — if it fits, move quickly.

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.

Listing courtesy of CHRISTIE'S INTERNATIONAL REAL · Brian Sacks. MLS #FC320667.

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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