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About this home
342 N 12th St is a 1997-built home in Palma Vista Sub, Flagler Beach. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,892 square feet of living space. Listed at $1,449,000 (about $766/sqft), 58 days on market. Flood zone AE - confirm flood insurance requirements with your lender.
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.
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Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$1,449,000
$766 per sq ft
Beds and baths
2 beds, 2 baths
Size
1,892 sq ft
Time on market
58 days
Year built
1997
Monthly payment
About $9,119/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $10,051 annual tax bill, insurance.
Flood zone
Zone AE
That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.
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