77 MERRIMAC DRIVE, Flagler Beach, FL, 32136 | $239,000

Under contract-accepting backup offers. Welcome to 77 Merrimac Drive in Surfside Estates, a vibrant 55+ community where coastal living meets comfort and connection. This beautifully renovated barrier-island home offers approximately 1, 600 square feet of thoughtfully designed living space, perfect for both everyday enjoyment and entertaining. The open floor plan flows effortlessly between the living and dining areas and is anchored by a spacious kitchen with a center island and breakfast bar—ideal for casual meals, hosting friends, or gathering with family. The finished front porch serves as a light-filled Florida room, creating a peaceful spot for morning coffee, reading, or relaxed conversation. A separate den provides flexible space for a home office, hobby room, or overnight guests. Designed for easy beachside living, the home features laminate flooring throughout, new impact-resistant windows for peace of mind, and four split heating and cooling systems for year-round comfort. The expanded primary suite is a private retreat, complete with a renovated bath featuring a large walk-in shower, double vanity, ensuite laundry, and an oversized storage closet. Generous closet space and nearby baths add convenience for guests. Additional highlights include a golf cart garage with workshop and ample storage, and a large carport. Enjoy the relaxed pace of island life with quick private access to the ocean for swimming, sunrise walks, and beach days, as well as the riverfront for kayaking, fishing, and unforgettable sunsets. Surfside Estates offers an exceptional lifestyle with amenities that include a pool, clubhouse, library, billiards, shuffleboard, horseshoe pit, fishing docks, riverside benches, and a roof top gazebo. The community is active, welcoming, and social and an ideal home base for day trips to St. Augustine, Orlando, and Daytona Beach. All information recorded in the MLS is intended to be accurate but cannot be guaranteed.

Features

  • Amenities: Cable TV, Clubhouse, Fitness Center, Pool, Recreation Facilities, Shuffleboard Court
  • Rooms: 10
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Inside, Laundry Room
  • Year Built: 1984
  • Garage: 1-car Covered, Golf Cart Garage
  • Heating: Heat Pump
  • Cooling: Mini-Split Unit(s)
  • Approx Sq. Feet: 1,440
  • Acreage: 0.1
  • Est. Taxes: $1,183
  • HOA Fee: $220 Monthly
  • Adult Communities: Yes
  • Pet Policy: Breed Restrictions, Cats OK, Dogs OK, Number Limit, Yes
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Washer
  • MLS#: V4947327
  • Days on Market: 5 days
  • Website: https://www.raveis.com
    /prop/V4947327/77merrimacdrive_flaglerbeach_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/4/2026 3:47:29 AM)
Listing courtesy of KELLER WILLIAMS RLTY FL. PARTN   Phone: 386-944-2800

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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77 MERRIMAC DRIVE, Flagler Beach, FL, 32136

$239,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $191,200 $191,200 $191,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.197% 6.156% 5.609%
Monthly Tax Payment $99 $99 $99
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,086 $1,145 $1,550
Total Monthly Payment $1,260 $1,319 $1,724

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.