342 N 12th St, photo 1
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Overview

2 bd2 ba1,892 sqft4 car garageSingle Family
TypeSingle Family
HOANone listed
Built1997
Lot26,422 sqft
Living area1,892 sqft
Price / sqft$766
Garage4 car

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About this home

Carbon Monoxide Detector(s)Ceiling Fans(s)Eat-in KitchenHigh CeilingsOpen FloorplanPrimary Bedroom Main FloorVaulted Ceiling(s)Walk-in Closet(s)

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.

From the listing

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.

The essentials

Built
1997
Price / sqft
$766
On market
58 days
Annual tax
$10,051
Flood zone
AE
Lot
26,422 sqft
Type
Single Family Residence

At a glance

Single family
Built 1997
Waterfront
Canal - Brackish
Private pool
Heated
4 car garage
Oversized
0.61 acres
Lot size

Payment

Est. monthly payment
$9,119/mo
Down payment (20%)
$289,800
Property taxes
$838/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1997
Lot
26,422 sqft
Cooling
Central Air
Heating
Central
Parking
Oversized
Pool
In Ground, Chlorine Free, Heated, Salt Water
Waterfront
Canal - Brackish, Canal - Saltwater, Intracoastal Waterway
Days on Market
58
Carbon Monoxide Detector(s)
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Vaulted Ceiling(s)
Walk-in Closet(s)
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Ice Maker
Microwave
Refrigerator
Washer
Wine Refrigerator
Elementary
Old Kings Elementary
Middle
Buddy Taylor Middle
High
Flagler-Palm Coast High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$10,051
Parcel #
01-12-31-5050-00030-0260

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Palma Vista Sub
County
Flagler
MLS Area
32136 - Flagler Beach
Lot Size
26,422 sqft
Cul-De-Sac

Price history

Date
Event
Price
9/2/2026
Price change
Source: Stellar MLS #FC320667
$1,449,000-3.3%
$766/sqft
8/14/2026
Listed for sale
Source: Stellar MLS #FC320667
$1,499,000
$792/sqft

Neighborhood

342 N 12th St
Flagler Beach, FL, 32136 · 32136 - Flagler Beach

Market insights

Offer Insights

Choose an offer strength

List price: $1,449,000
$1.41M – $1.45M
97.2% – 100% of listTops out right at the list price
80% of listList price
55 of the last 109 home closings in 32136 landed at this number or higher (50%). The median one sat 74 days before it went under contract, and this one is on day 58 after a $50,000 cut.

Sample: 109 closed home sales in 32136 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$9,119/mo
Principal & interest$7,557
Property taxes$838
Insurance$725
Down payment20% · $289,800
Interest rate6.80%
Loan term

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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.

Offer

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Brokered byCHRISTIE'S INTERNATIONAL REALListing agent: Brian SacksListing data from Stellar MLS, MLS# FC320667.

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