21 Summerwind Cir #107, photo 1
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Overview

3 bd2 ba1,369 sqft2 car garageCondominium
TypeCondominium
HOA$509/mo
Built2004
Lot1,812 sqft
Living area1,369 sqft
Price / sqft$188
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Open FloorplanPrimary Bedroom Main FloorWalk-in Closet(s)Private MailboxSidewalkAssociation Recreation - Owned

21 Summerwind Cir #107 is a 2004-built home in Arbor Trace At Palm Coast Condo, Palm Coast. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,369 square feet of living space. Listed at $258,000 (about $188/sqft), 163 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $509 monthly.

From the listing

Welcome to effortless living in Arbor Trace. This beautifully maintained, move-in-ready one-story condominium blends comfort, convenience, and coastal charm. With three bedrooms, two full bathrooms, and a two-car garage, it offers a low-maintenance lifestyle without sacrificing space or style. The open-concept layout connects the kitchen, dining, and living areas—ideal for everyday living and entertaining. A bright, airy sunroom is the perfect spot for morning coffee, reading, or unwinding, and an interior laundry room includes a washer and dryer. Residents of Arbor Trace enjoy a private community pool, while the HOA handles exterior maintenance, pest control, and termite service—so you can spend more time enjoying life.

The essentials

Built
2004
Price / sqft
$188
On market
163 days
Annual tax
$4,179
HOA
$509/mo
Flood zone
X · Low risk
Lot
1,812 sqft
Type
Condominium

At a glance

Condo
Built 2004
Community pool
Fitness center too
2 car garage
1,369 sqft
Living area

Payment

Est. monthly payment
$2,332/mo
Down payment (20%)
$51,600
Property taxes
$348/mo
HOA
$509/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
2004
Lot
1,812 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
163
Cathedral Ceiling(s)
Ceiling Fans(s)
Open Floorplan
Primary Bedroom Main Floor
Walk-in Closet(s)
Private Mailbox
Sidewalk
Association Recreation - Owned
Buyer Approval Required
Clubhouse
Deed Restrictions
Fitness Center
Irrigation-reclaimed Water
Pool
Sidewalks
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Flood Zone X
Annual Tax (2025)
$4,179
Parcel #
07-11-31-0310-00020-1070

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
Arbor Trace At Palm Coast Condo
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
1,812 sqft
HOA
$509/mo
Celene Ennevor

Price history

Date
Event
Price
9/22/2026
Price change
Source: Stellar MLS #FC318290
$258,000-0.4%
$188/sqft
-
Price change
Source: Stellar MLS #FC318290
$259,000-7.2%
$189/sqft
5/5/2026
Listed for sale
Source: Stellar MLS #FC318290
$279,000
$204/sqft

Neighborhood

21 Summerwind Cir #107
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $258,000
$250,000 – $258,000
97.3% – 100% of listTops out right at the list price
80% of listList price
40 of the last 78 condo closings in 32137 landed at this number or higher (51%). The median one sat 73 days before it went under contract, and this one is on day 163 after a $21,000 cut.

Sample: 78 closed condo sales in 32137 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,332/mo
Principal & interest$1,346
Property taxes$348
Insurance$129
HOA$509
Down payment20% · $51,600
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%. HOA includes any condo dues reported on the listing. 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

$258,000

$188 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,369 sq ft

Time on market

163 days

Year built

2004

Monthly payment

About $2,332/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,179 annual tax bill, insurance, and the $509/mo HOA fee.

HOA fee

$509/mo

Managed by Celene Ennevor.

Flood zone

Zone X

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

Offer

What should I offer?

Have another question?

Brokered byFLORIDA BEACHES REAL ESTATEListing agent: P. Jordan FarrellListing data from Stellar MLS, MLS# FC318290.

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