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304 Palm Cir, Flagler Beach, FL, 32136

2beds
2baths
1,228sqft
$539,000
$439price/sqft
$4,119/moest. monthly cost
$164,760/yrincome needed

About This Home

Beachside Flagler Beach, this is RARE canalfront in town home. Oversized fenced yard. Great, great location with views of the canal and ICW. A wonderful opportunity is available to maximize those views. You will not find many canal locations better than this one. This adorable beach bungalow style home can be a stunner with some interior upgrades. Tons of windows from the rear of the home frame the incredible canal view, plus there's a rear covered screened porch and an open tiled outdoor patio to lounge on. This lot features a fully fenced backyard and a very rare boat ramp launch into the canal right from the back yard. You can literally drive your trailered boat from the street, into the yard and launch it! Adjacent dock is next to the launch the dock needs repairs. Live your best saltwater beach and boating life here in our community! This location is just a few blocks to the ocean and close to the core beach district as well. Golf cart or bicycle your way down to the Pier, the beach boardwalk, and dozens of unique eateries and boutiques. Enjoy the Flagler Beach lifestyle - which is laid back and as casual as flip flops and bathing suits. Flagler Beach is just 3 miles from I-95, the shortest distance from an Interstate to a beach in all of Florida. Ideally situated between historic St Augustine and World-Famous Daytona Beach, sophisticated entertainment is just a short, enjoyable ride from here on A1A in either direction. More pictures to follow shortly. Owner is motivated - come take a look, make an offer and find out what our residents love about Flagler Beach by becoming one yourself!

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

7/10
4/10
4/10

Construction

Condition

  • Year built: 1975

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Concrete,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Range,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Laundry Room

Balcony Porch Lanai

  • Level: First

Bathroom2

  • Features: Shower No Tub,Single Vanity
  • Level: First

Bedroom2

  • Features: Built-in Closet
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Bonus Room

  • Features: No Closet
  • Level: First

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Ceiling Fan(s),Living Room/Dining Room Combo
  • Door features: Outdoor Shower,Sliding Doors
  • Flooring: Laminate

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,491
  • Total interior livable area: 1,228 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bathroom

  • Features: Single Vanity,Tub With Shower,Linen Closet
  • Level: First

Primary Bedroom

  • Features: Built-in Closet
  • Level: First

Property

Details

  • Parcel number: 1212315000000200160
  • Zoning: LDR
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Enclosed,Rear Porch,Screened
  • Exterior features: Irrigation System,Lighting,Outdoor Shower,Private Mailbox,Private Yard,Rain Gutters
  • Has view: Yes
  • View description: Water,Canal,Intracoastal Waterway
  • Has water view: Yes
  • Water view: Water,Canal,Intracoastal Waterway
  • On waterfront: Yes
  • Waterfront features: Canal Front,Brackish Canal Access,Saltwater Canal Access,Intracoastal Waterway Access,Boat Ramp - Private,Bridges - No Fixed Bridges,Seawall
  • Frontage length: Canal: 80
  • Residential vegetation: Mature Landscaping

Lot

  • Lot size: 8,799 sqft
  • Features: City Lot,Landscaped
  • Lot size dimensions: 80 x

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 2
  • Carport spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Flagler County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,725$32,700
Home Insurance *$517$6,204
Property Taxes $680$8,160
Electricity $197$2,366
Total$4,119$49,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$141,222/yr
40% on housing$123,570/yr
45% on housing$109,840/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.3%
16.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$439This listing

vs Other Active Listings

Avg $/sqft

ZIP 32136$226
Flagler County$228

vs Homes Sold Last Month

Median $/sqft

ZIP 32136$286
Flagler County$192

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-23Price change$629,000
2026-04-09Price change$659,000
2026-03-10Listed for sale$699,000
2003-03-17Sold$17,900
2002-08-27Sold$244,000
2000-05-02Sold$139,900

For Sale by Agent

AgentJohn Horan
BrokeragePALM WAVE REALTY

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