88 HIDDEN COVE, FLAGLER BEACH, FL, 32136
Active9 days on marketListed Jul 10, 2026MLS #FC319874
About this home
88 HIDDEN COVE
Experience luxury coastal living in this exceptional Mediterranean waterfront estate, ideally situated on a deep-water saltwater canal just off the Intracoastal Waterway and only steps from the Atlantic Ocean. Behind private gates, a stunning courtyard with a heated pool and outdoor kitchen creates a secluded resort-style retreat designed for effortless indoor-outdoor living. The thoughtfully designed residence features light-filled interiors, spacious living areas, tile flooring throughout, and a beautifully appointed chef's kitchen with stainless steel appliances, custom cabinetry, and generous workspace. Recent upgrades include two new HVAC systems (2022 & 2025), a new pool heater (2025), and a brand-new 10,000-lb boat lift (2025). A detached casita offers exceptional flexibility as a guest suite, executive office, fitness studio, or private retreat. Located within the exclusive waterfront gated community of Shelter Cove, with only 44 homes or homesites, residents enjoy a clubhouse, community pool, lawn maintenance, and gated security. With a private dock offering direct Intracoastal access and the beach just moments away, this extraordinary estate embodies the finest in Florida luxury waterfront living.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,750
Sqft
0.2 ac
Lot size
2
Garage
2007
Year built
One
Levels
$373
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.
$7,329 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,329/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+26.6%
$/sqft vs Flagler Beach actives
$373 vs $315
Days on market
9 vs 68 typical
Where $373/sqft sits among the 132 Flagler Beach actives
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)
61 of 132
Flagler Beach actives have cut their price
Median sold price, Flagler Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 128% above the FLAGLER BEACH 32136 median. See the full Flagler Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 88 HIDDEN COVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,050,000
80 HIDDEN COVE · same community
3 bd · 3.5 ba · 3,609 sqft · $291/sqft · 181 DOM
Sold · Sep ’25$900,000
1811 N CENTRAL AVENUE
4 bd · 4 ba · 2,739 sqft · $329/sqft · 137 DOM
Sold · Mar ’26$620,000
10 HERON DRIVE
3 bd · 3 ba · 2,703 sqft · $229/sqft · 82 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 88 HIDDEN COVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 88 HIDDEN COVE — 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
88 HIDDEN COVE FAQs
What would the monthly payment be for 88 HIDDEN COVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,329/mo — principal and interest, the actual property-tax bill, the $300/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 88 HIDDEN COVE?+
The association fee works out to $300 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 88 HIDDEN COVE?+
The most recent tax bill on record (2025) was $11,442. 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 88 HIDDEN COVE?+
The listing reports pets: Breed Restrictions, 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 $1,025,000, this home is listed about 76% above the Flagler Beach median of $581,500. The market section on this page shows how the area is trending.
Which schools are assigned to 88 HIDDEN COVE?+
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
Three things that matter here
01Positioned at the premium end
$1,025,000 runs 128% above the FLAGLER BEACH 32136 median — but at 2,750 sqft it's also 34% larger than the typical Flagler Beach listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK · Trish Femia. MLS #FC319874.
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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