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Active

Active·193 days on market

155 Stillwater Drive

Flagler Beach, FL 32136

$635,000$258/sqftEst. $3,238/moMLS# 2125074

Beds

Baths

2,464

Sq Ft

2026

Built

Garage

Pool

About this home

Flagler Beach

Come tour this Toll Brothers Community, Available to move into in 45 days. Toll Brothers Designer Appointed Collections are professionally curated selections of fixtures and finishes that come together to create a cohesive, distinctive look for a home. Grand finished loft on second level creates an elegant additional living space. Designer primary bath with dual-sink vanity, oversized shower, and private water closet. Open-rail staircase adds architectural drama to two-story foyer. Seamless indoor-outdoor living with covered lanai accessible from great room and dining area. Call today to schedule your private tour!

Cost to own

Mortgage calculator

Home Price

$635,000

Down Payment: 20%

$127,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,238

Principal & Interest: $3,238

Insurance (est.): $423

Estimated Total Monthly

$3,661

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$3,238

HOAbilled monthly$42

Estimated total, before insurance$3,280/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,207/yr · $267/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,207/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Jan 14, 2026Listed$635,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$635,000

Price / Sq Ft$258

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,464

Acres0.18 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesEast

Community Information

Address155 Stillwater Drive, Flagler Beach, FL 32136

Area603-Flagler County-South Central

SubdivisionVeranda Bay

CityFlagler Beach

CountyFlagler

StateFL

Zip Code32136

Lot Size7,797.24 sq ft

Parcel Number3812317222000003310

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Gated, Pickleball, Tennis Court(s)

UtilitiesCable Available, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

Green / EnergyHVAC

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Plumbed For Ice Maker, Tankless Water Heater

HeatingHeat Pump

CoolingCentral Air

FlooringCarpet, Laminate, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Sink, Upper Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)