
342 N 12TH STREET, FLAGLER BEACH, FL, 32136
Active0 days on marketListed Aug 14, 2026MLS #FC320667
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
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.
$9,648 /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
$9,648/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
$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
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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 342 N 12TH STREET — start here.

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
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
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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