161 STILLWATER DRIVE, FLAGLER BEACH, FL, 32136
Active11 days on marketListed Sep 29, 2026MLS #FC321663
About this home
161 STILLWATER DRIVE
Under Construction. Under construction. Some selections still need to be made. Design upgrades not included in this price. Experience refined single-level living with the lovely Oceana. A welcoming foyer hallway leads to a casual dining area and a spacious great room with access to the beautiful covered lanai. The well-appointed kitchen is enhanced by a large center island with breakfast bar, wraparound counter and cabinet space, and an ample pantry. Highlighting the impressive primary bedroom suite is a generous walk-in closet and a stunning primary bath with a dual-sink vanity, a luxe shower, and a private water closet. Secondary bedrooms feature sizable closets and a shared hall bath with a dual-sink vanity. Additional highlights include a roomy flex room off the foyer, easily accessible laundry, and ample additional storage. Price does not include final design, the buyer has the option to select their design features.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,115
Sqft
0.17 ac
Lot size
2
Garage
2026
Year built
One
Levels
$245
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.
$4,195 /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
$4,195/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+2.5%
$/sqft vs VERANDA BAY
$245 vs $246
Days on market
11 vs 80 typical
Where $245/sqft sits among the 7 homes for sale in VERANDA BAY
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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 → $537K
Flagler Beach median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
3 of 7
VERANDA BAY have cut their price
Median sold price, Flagler Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% above the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 161 STILLWATER DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$550,000
160 STILLWATER DRIVE · same community
3 bd · 2 ba · 2,114 sqft · $260/sqft · 96 DOM
Sold · Sep ’26$510,000
44 RIBERA DRIVE · same community
3 bd · 2 ba · 2,186 sqft · $233/sqft · 205 DOM
Sold · Mar ’26$485,000
60 RIBERA DRIVE · same community
3 bd · 2 ba · 2,186 sqft · $222/sqft · 41 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 161 STILLWATER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 161 STILLWATER DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
161 STILLWATER DRIVE FAQs
What would the monthly payment be for 161 STILLWATER DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,195/mo — principal and interest, the actual property-tax bill, the $42/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 161 STILLWATER DRIVE?+
The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 161 STILLWATER DRIVE?+
The most recent tax bill on record (2026) was $8,500. 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 161 STILLWATER DRIVE?+
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 $519,000, this home is listed about 6% below the Flagler Beach median of $550,000. The market section on this page shows how the area is trending.
Which schools are assigned to 161 STILLWATER 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.
The brief
Three things that matter here
01Positioned at the premium end
$519,000 runs 18% above the FLAGLER BEACH 32136 median.
02Strong 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.
03The price has already moved
Listed at $523,913, now $519,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of JACKSONVILLE TBI REALTY LLC · Brian Nelson. MLS #FC321663.
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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