91 MERRIMAC DRIVE, FLAGLER BEACH, FL, 32136
Active12 days on marketListed Sep 28, 2026MLS #FC321756
About this home
91 MERRIMAC DRIVE
Live the Flagler Beach lifestyle! Welcome to 91 Merrimac Drive, a 2-bedroom, 2-bathroom manufactured home located in Surfside Estates, a 55+ resident-owned co-op community nestled between the Atlantic Ocean and Intracoastal Waterway. As a resident-owned co-op, you own a share in the community, with the current monthly co-op fee of $220. Inside, this home offers approximately 960 square feet of heated living space with vinyl plank flooring and a comfortable layout. This home also gives peace of mind with a newer roof, replaced in 2024! Residents of Surfside Estates enjoy an array of amenities, including a heated saltwater pool, clubhouse, fitness center, shuffleboard, fishing piers, kayak storage and launch, and waterfront gathering areas along the Intracoastal. An active social club also offers activities and events throughout the year. Just minutes from the beach, this location makes it easy to enjoy everything that makes Flagler Beach special. Spend your days soaking up the Florida sunshine, fishing along the Intracoastal, kayaking, relaxing by the water, or enjoying the area's local restaurants and coastal attractions. Golf carts are permitted within the community, adding to the easygoing beach-town lifestyle. Whether you're looking for a full-time residence, a Florida getaway, or a place to enjoy the coastal lifestyle, 91 Merrimac Drive offers the opportunity to own in a unique resident-owned community in Flagler Beach. Come discover the beach life at Surfside Estates!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
960
Sqft
0.08 ac
Lot size
1986
Year built
One
Levels
$244
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.
$2,067 /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
$2,067/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
+31.2%
$/sqft vs BEVERLY BEACH SURFSIDE ESTATES
$244 vs $202
Days on market
12 vs 80 typical
Where $244/sqft sits among the 6 homes for sale in BEVERLY BEACH SURFSIDE ESTATES
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)
4 of 6
BEVERLY BEACH SURFSIDE ESTATES have cut their price
Median sold price, Flagler Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 47% below the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 91 MERRIMAC DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$225,000
217 STARBOARD DRIVE · same community
2 bd · 2 ba · 960 sqft · $234/sqft · 1 DOM
Sold · Apr ’26$179,000
237 STARBOARD DRIVE · same community
2 bd · 2 ba · 962 sqft · $186/sqft · 470 DOM
Sold · Nov ’25$180,000
125 ANCHORAGE DRIVE · same community
2 bd · 2 ba · 967 sqft · $186/sqft · 341 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 91 MERRIMAC DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 91 MERRIMAC DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
91 MERRIMAC DRIVE FAQs
What would the monthly payment be for 91 MERRIMAC DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,067/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 91 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 91 MERRIMAC DRIVE?+
The most recent tax bill on record (2025) was $2,471. 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 91 MERRIMAC DRIVE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, 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 $234,000, this home is listed about 57% 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 91 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.
Keep looking
Similar homes nearby
Listing courtesy of CLARION GROUP, INC. · Donna McIntyre. MLS #FC321756.
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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