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Overview

4 bd3 ba2,368 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2006
Lot10,000 sqft
Living area2,368 sqft
Price / sqft$194
Garage2 car

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About this home

Split BedroomVaulted Ceiling(s)Private EntranceDishwasherDisposalElectric Water HeaterExhaust FanMicrowave

90 Universial Trl is a 2006-built home in Seminole Woods, Palm Coast. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,368 square feet of living space. Listed at $459,900 (about $194/sqft), 155 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Step into the Florida lifestyle in this spacious Seminole Woods pool home designed for comfort, flexibility, and easy everyday living. With over 2,300 sq ft and two oversized primary suites, this home offers room for everyone—whether you’re hosting long-term guests, creating a private retreat for family, or setting up a multi-gen living arrangement. The second primary suite feels like its own private wing with a separate entrance, dedicated HVAC, and French doors opening directly to the pool deck. Inside, the main living areas feel bright and open thanks to a soaring cathedral ceiling that spans both the great room and the kitchen. A full dividing wall separates the two spaces for function and privacy, yet remains open at the top, allowing light and air to flow freely and giving the home a spacious, connected feel. Tile flooring keeps the home cool and low-maintenance, while brand-new carpet in the bedrooms adds comfort. Fresh interior paint throughout makes the home feel clean and move-in ready. Step outside and you’re instantly in vacation mode. The large, screened saltwater pool and saltwater inground hot tub create a private outdoor oasis perfect for relaxing, entertaining, or enjoying warm Florida evenings. New screening and a new pool pump keep everything crisp and ready to enjoy, and the convenient pool bath means no wet feet through the house. The fully fenced yard adds privacy and space for pets or play. Energy-efficient upgrades—including a 2021 roof, solar panels, and solar hot water heater—help monthly costs while adding long-term value. Located in the quiet Seminole Woods neighborhood, you’re minutes from I-95, shopping, parks, and a quick drive to Flagler Beach. This home blends everyday practicality with the relaxed coastal lifestyle Palm Coast is known for.

The essentials

Built
2006
Price / sqft
$194
On market
155 days
Annual tax
$4,674
Flood zone
X · Low risk
Lot
10,000 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
Private pool
Heated
2 car garage
10,000 sqft lot
Lot size
2,368 sqft
Living area

Payment

Est. monthly payment
$3,018/mo
Down payment (20%)
$91,980
Property taxes
$390/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
10,000 sqft
Cooling
Central Air, Mini-Split Unit(s)
Heating
Electric, Solar
Parking
-
Pool
Deck, Gunite, Heated, In Ground, Screen Enclosure
Days on Market
155
Split Bedroom
Vaulted Ceiling(s)
Private Entrance
Dishwasher
Disposal
Electric Water Heater
Exhaust Fan
Microwave
Range
Elementary
Bunnell Elementary
Middle
Buddy Taylor Middle
High
Flagler-Palm Coast High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,674
Parcel #
07-11-31-7057-00560-0080

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Seminole Woods
County
Flagler
MLS Area
32164 - Palm Coast
Lot Size
10,000 sqft

Price history

Date
Event
Price
9/4/2026
Price change
Source: Stellar MLS #FC317735
$459,900-6.1%
$194/sqft
-
Price change
Source: Stellar MLS #FC317735
$489,900-0.8%
$207/sqft
5/15/2026
Listed for sale
Source: Stellar MLS #FC317735
$494,000
$209/sqft

Neighborhood

90 Universial Trl
Palm Coast, FL, 32164 · 32164 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $459,900
$457,500 – $459,900
99.5% – 100% of listTops out right at the list price
80% of listList price
305 of the last 597 home closings in 32164 landed at this number or higher (51%). The median one sat 48 days before it went under contract, and this one is on day 155 after a $34,100 cut.

Sample: 597 closed home sales in 32164 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,018/mo
Principal & interest$2,399
Property taxes$390
Insurance$230
Down payment20% · $91,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$459,900

$194 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,368 sq ft

Time on market

155 days

Year built

2006

Monthly payment

About $3,018/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,674 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byFLAGLER REALTY PROFESSIONALS LLCListing agent: Merle SpencerListing data from Stellar MLS, MLS# FC317735.

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