346 N 12TH STREET, Flagler Beach, FL, 32136 | $2,495,000

A masterfully reimagined modern coastal residence where exceptional craftsmanship, timeless design, and an extraordinary waterfront setting come together. Perfectly positioned on a rare point lot with approximately 240 feet of Intracoastal Waterway and saltwater canal frontage, this remarkable property offers 3, 929 square feet of thoughtfully designed living space and nearly 3, 000 square feet of outdoor living designed for both entertaining and everyday enjoyment.

Extensively renovated from 2023 through 2025, this stunning 4-bedroom, 4-bath residence blends clean architectural lines with warm coastal finishes. Expansive Shwinco impact windows and Anderson impact sliding doors fill the home with natural light, while soaring ceilings, custom millwork, designer lighting, and curated finishes create an atmosphere that is both refined and welcoming. Vaulted tongue-and-groove wood ceilings, exposed beams, a striking white brick fireplace, and natural textures add warmth and character throughout.

At the heart of the home, the beautifully redesigned kitchen combines function and style with custom cabinetry, quartz countertops, premium Bosch appliances, a generous center island, and picturesque waterfront views. Every finish reflects quality craftsmanship, from custom California Closets and designer wallpaper to elegant mother-of-pearl tile accents and beautifully renovated baths.

The dramatic two-story great room serves as the centerpiece of the residence, where walls of glass frame breathtaking water views and create a seamless connection between indoor and outdoor living.

Designed to embrace Florida's year-round waterfront lifestyle, the outdoor living experience is equally impressive. Expansive lanais, sweeping wraparound balconies, and spacious waterfront terraces provide countless places to relax, entertain, and enjoy the scenery. The wraparound balcony offers an exceptional vantage point for sunrises, coastal breezes, and spectacular sunsets over the Intracoastal. Below, the resort-inspired backyard features a renovated heated saltwater pool and spa, shell stone decking, an outdoor kitchen with leathered granite countertops, and uninterrupted waterfront views.

For boating enthusiasts, this property is truly exceptional. A newly constructed covered dock with composite decking, dock electrical service, a 6, 000-pound platform lift engineered for conversion to a 13, 000-pound boat lift, a personal watercraft lift, and direct Intracoastal access provide effortless enjoyment on the water.

Significant improvements include a new roof, Shwinco impact windows, Anderson impact sliding doors, three Trane HVAC systems, whole-home dehumidification, updated plumbing and electrical systems, resurfaced saltwater pool and spa with new equipment, custom aluminum balcony railings, professional landscaping, and a new irrigation well.

Adding to the home's versatility is an oversized two-car garage complemented by a rare drive-through RV garage with front and rear access, ideal for recreational vehicles, boats, workshop space, or additional storage.

From sunrise over the nearby Atlantic to breathtaking sunsets across the Intracoastal Waterway, this extraordinary residence offers a lifestyle few properties can match. More than a home, it is a place where memories are made, sunsets become a daily ritual, and waterfront living is enjoyed exactly as intended. Welcome to one of Flagler County's most exceptional waterfront residences.

Features

  • Rooms: 15
  • Bedrooms: 4
  • Baths: 4 full
  • Laundry: Electric Dryer Hookup, Laundry Room, Washer Hookup
  • Style: Contemporary
  • Year Built: 1989
  • Garage: 3-car
  • Heating: Central, Heat Pump
  • Cooling: Central Air, Humidity Control
  • Approx Sq. Feet: 3,929
  • Acreage: 0.26
  • Est. Taxes: $20,259
  • Lot Desc: Corner Lot, Cul-De-Sac, Irregular Lot, Tip Lot
  • View: Water
  • Water Front: Yes
  • Pool: Heated, In Ground, Outside Bath Access, Salt Water
  • Pet Policy: Yes
  • Appliances: Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer, Wine Refrigerator
  • MLS#: FC319317
  • Website: https://www.raveis.com
    /eprop/FC319317/346n12thstreet_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 7/10/2026 2:37:48 PM)
Listing courtesy of RE/MAX SELECT PROFESSIONALS   Phone: 386-283-4966

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

346 N 12TH STREET, Flagler Beach, FL, 32136

$2,495,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,996,000 $1,996,000 $1,996,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.277% 6.223% 6.183%
Monthly Tax Payment $1,688 $1,688 $1,688
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $11,807 $12,128 $16,843
Total Monthly Payment $13,620 $13,941 $18,656

* 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.