89 MERRIMAC DRIVE, FLAGLER BEACH, FL, 32136
Active429 days on marketListed May 20, 2025MLS #FC309842
About this home
89 MERRIMAC DRIVE
Newly reduced artist retreat beachside. This two bedroom, two bath free-spirited home is the artist's canvas! The interior is painted in fabulous colors and unique details. The living area is open to the enclosed porch, allowing for a nice flow. This is truly a home you would need to see to appreciate. Handcrafted shutters and intricate fence on the exterior reflect the owners' style. Painted flooring throughout for easy beach living! Enjoy you morning coffee in the Florida room before walking or riding over to the beach or to the Intracoastal to fish. Surfside Estates is a resident owned co-op community, located along the Intracoastal Waterway, just across the street from the beach and where you own your lot-share and never pay rent. The community has a low maintenance fee of $220 each month that includes cable TV, high-speed internet, lawn service, heated saltwater pool, two fishing piers and clubhouse. The clubhouse has a kitchen, pool tables, TV, library, fitness center and shuffleboard. Along the Intracoastal, you will find a screened gazebo, fire pit, barbecue, benches, horseshoe pits, the two partially covered fishing piers, kayak racks and launch. With an active Social Club, you can choose from yoga, pool aerobics, an ice cream social, Bingo, pool teams, card tournaments, karaoke, dances, community breakfasts, potluck dinners, and so much more! Or take a walk, ride your bicycle, drive your golf cart around the friendly neighborhood. Either way, there seems to be something for everyone.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,104
Sqft
0.08 ac
Lot size
1982
Year built
One
Levels
$190
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.
$1,919 /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
$1,919/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
−5.9%
Days on market
429 vs 68 typical
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
$517K → $525K
Flagler Beach median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
Median sold price, Flagler Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 53% below the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →
Paper trail
This home's history
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 89 MERRIMAC DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 89 MERRIMAC DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
89 MERRIMAC DRIVE FAQs
What would the monthly payment be for 89 MERRIMAC DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,919/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 89 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 89 MERRIMAC DRIVE?+
The most recent tax bill on record (2024) was $2,532. 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 89 MERRIMAC DRIVE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 $209,900, this home is listed about 64% below the Flagler Beach median of $581,500. The market section on this page shows how the area is trending.
Which schools are assigned to 89 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.
The brief
Five things that matter here
01Under the FLAGLER BEACH 32136 market on paper
$209,900 is 53% below the FLAGLER BEACH 32136 median of $449,945, and at $190/sqft it sits under the Flagler Beach average of $351.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
429 days on market against a Flagler Beach median of 68 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $229,000, now $209,900 — a $19K cut. The full history is in the market section below.
Listing courtesy of CLARION GROUP, INC. · Donna McIntyre. MLS #FC309842.
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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