116 PINE TREE STREET, Flagler Beach, FL, 32136 | $450,000

Nestled along the creek in Flagler Beach, this 2-bedroom, 2-bathroom home offers a rare blend of natural beauty, flowing living space, and relaxed coastal living with ICW access. Just minutes from both the beach and the Intracoastal Waterway, it’s a very rare opportunity to live in Flagler Beach. Set beneath mature oak trees with mature landscaping, the property captures stunning water views and offers a perfectly curated lifestyle that’s increasingly hard to find.

Inside, tile flooring runs throughout, leading into a spacious living room anchored by a fireplace with a custom wood mantle. The updated kitchen features granite countertops, a gas stove for the home chief, and an open layout that flows into the dining and living area. The Florida room extends the living space, offering a bright, naturally flowing indoor-outdoor living space to enjoy the surrounding scenery year-round.

The outdoor living is an experience that will take your breath away. With a stunning oversized paver patio, a covered pergola, and shade trees, it’s a showstopper. This is indoor-outdoor waterfront living at its finest. From the home, to the Florida room, to the expansive and private creekfront backyard, you have the most relaxing, picturesque entertaining space overlooking the water. The private dock includes a dedicated canoe and kayak passageway, making it easy to take full advantage of the waterfront lifestyle. There’s even an enclosed outdoor shower on the side of the home to rinse off after your outdoor adventures.

This immaculately maintained home is one of only 9 homes on the creek in this tiny pocket of Flagler Beach. Don’t miss out on this completely move-in-ready, exclusively located, salt-life lifestyle home. To top it all off, all major systems have been maintained and are newer, including a metal roof (2022). There’s so many more extras you’ll have to come to experience, including the oversized 2-car attached garage, in-house laundry room, owned water softener, low-maintenance backyard- come live the salt life, its waiting here for you. . .

Features

  • Rooms: 3
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Laundry Room
  • Style: Bungalow
  • Year Built: 1992
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,539
  • Acreage: 0.17
  • Est. Taxes: $5,003
  • View: Trees/Woods, Water
  • Water Front: Yes
  • Appliances: Dishwasher, Disposal, Microwave, Range, Refrigerator
  • MLS#: FC317824
  • Days on Market: 12 days
  • Website: https://www.raveis.com
    /prop/FC317824/116pinetreestreet_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 5/14/2026 5:25:38 AM)
Listing courtesy of COASTAL REALTY PROS LLC   Phone: 386-237-5721

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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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116 PINE TREE STREET, Flagler Beach, FL, 32136

$450,000

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 $360,000 $360,000 $360,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.374% 6.524% 5.866%
Monthly Tax Payment $417 $417 $417
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,158 $2,246 $2,965
Total Monthly Payment $2,650 $2,738 $3,457

* 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.