96 MERRIMAC DRIVE, FLAGLER BEACH, FL, 32136
Pending26 days on marketListed Jul 8, 2026MLS #FC319787
About this home
96 MERRIMAC DRIVE
Coastal living awaits in the resident-owned 55+ community of Surfside Estates in beautiful Flagler Beach! This charming 2-bedroom, 2-bath home offers the perfect blend of comfort, convenience, and affordability just minutes from the sandy shores of the Atlantic Ocean and the scenic Intracoastal Waterway. Inside, you'll find laminate flooring throughout the main living areas, a functional split-bedroom floor plan, inside laundry, and an enclosed lanai with additional storage. MORE PHOTOS TO COME! Surfside Estates offers an exceptional lifestyle with a community clubhouse, fitness center, swimming pool, kayak rack with launch into the Intracoastal Waterway, fishing, golf cart-friendly streets, and beach access across the street. The affordable monthly HOA fee includes cable TV, internet, maintenance, and community amenities. Whether you're looking for a year-round residence or the perfect coastal retreat, this home offers an incredible opportunity to enjoy everything Flagler Beach has to offer. Association approval required.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
784
Sqft
0.07 ac
Lot size
1986
Year built
One
Levels
$145
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.
$1,147 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,147/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 74% below 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 96 MERRIMAC DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 96 MERRIMAC DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
96 MERRIMAC DRIVE FAQs
What would the monthly payment be for 96 MERRIMAC DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,147/mo — principal and interest, the actual property-tax bill, the $220/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 96 MERRIMAC DRIVE?+
The association fee works out to $220 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 96 MERRIMAC DRIVE?+
The most recent tax bill on record (2025) was $541. 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 96 MERRIMAC DRIVE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit. 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 $114,000, this home is listed about 80% below the Flagler Beach median of $581,500. The market section on this page shows how the area is trending.
Which schools are assigned to 96 MERRIMAC 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.
Listing courtesy of CLARION GROUP, INC. · Donna McIntyre. MLS #FC319787.
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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