304 PALM CIRCLE, FLAGLER BEACH, FL, 32136
Active135 days on marketListed Mar 6, 2026MLS #FC316714
About this home
304 PALM CIRCLE
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!
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,228
Sqft
0.2 ac
Lot size
1
Garage
1975
Year built
One
Levels
$439
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 — not generic estimates.
$3,826 /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
$3,826/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
+40.4%
$/sqft vs Flagler Beach actives
$439 vs $315
Days on market
135 vs 68 typical
Where $439/sqft sits among the 131 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)
60 of 131
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 20% 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 304 PALM CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$457,000
1327 S DAYTONA AVENUE
2 bd · 2 ba · 1,210 sqft · $378/sqft · 7 DOM
Sold · Jul ’26$228,000
12 VILLAGE DRIVE
2 bd · 1.5 ba · 1,196 sqft · $191/sqft · 79 DOM
Sold · Jul ’26$290,000
120 OAK LANE
2 bd · 2 ba · 1,276 sqft · $227/sqft · 64 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 304 PALM CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 304 PALM CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
304 PALM CIRCLE FAQs
What would the monthly payment be for 304 PALM CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,826/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 304 PALM CIRCLE?+
The most recent tax bill on record (2025) was $3,058. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Flagler Beach?+
At $539,000, this home is listed about 7% 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 304 PALM CIRCLE?+
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
Four things that matter here
01Positioned at the premium end
$539,000 runs 20% above the FLAGLER BEACH 32136 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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.
04The price has already moved
Listed at $699,000, now $539,000 — a $160K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PALM WAVE REALTY · John Horan. MLS #FC316714.
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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