16 Summer Ter #16, photo 1
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Overview

3 bd2 ba1,369 sqft2 car garageCondominium
TypeCondominium
HOA$509/mo
Built2003
Lot1,820 sqft
Living area1,369 sqft
Price / sqft$191
Garage2 car

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

About this home

Ceiling Fans(s)High CeilingsOpen FloorplanLightingPrivate MailboxClubhousePoolStreet Lights

16 Summer Ter #16 is a 2003-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 $262,000 (about $191/sqft), 112 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $509 monthly.

From the listing

Beautifully updated and ideally located, this Palm Coast home is perfect for full-time living, a seasonal getaway, or a future retirement retreat. Easy to lock up and leave, then return to enjoy everything Florida living provides. Inside, approximately $10,000 in new luxury vinyl flooring is complemented by fresh designer paint and trim throughout. The spacious open-concept living area is ideal for relaxing or entertaining, while the sunroom provides a bright, inviting space to unwind. The primary suite features a walk-in closet and private en-suite bath, while the split floor plan offers additional bedrooms for privacy. An interior laundry room and two-car garage with tile flooring add everyday convenience. Just steps away are the community’s private pool, clubhouse, and guest parking. Enjoy truly LOW MAINTENANCE living, with the HOA covering exterior building maintenance, lawn care and landscaping of individual homes and common grounds, pest control, internet, cable, pool, and clubhouse. The roof was replaced by the HOA in 2022. This well-lit neighborhood offers a walkable lifestyle with restaurants, cafés, shopping, and everyday conveniences nearby. The home is approximately five minutes from I-95 and 15 minutes from the Atlantic Ocean, with easy access to historic St. Augustine, Daytona Beach, golf courses, beaches, and the Daytona Beach, Jacksonville, and Orlando international airports. A wonderful opportunity for buyers seeking an easy-care Florida home to enjoy now and for years to come.

The essentials

Built
2003
Price / sqft
$191
On market
112 days
Annual tax
$2,963
HOA
$509/mo
Flood zone
X · Low risk
Lot
1,820 sqft
Type
Condominium

At a glance

Condo
Built 2003
Community pool
Shared amenity
2 car garage
1,369 sqft
Living area

Payment

Est. monthly payment
$2,253/mo
Down payment (20%)
$52,400
Property taxes
$247/mo
HOA
$509/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
2003
Lot
1,820 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
112
Ceiling Fans(s)
High Ceilings
Open Floorplan
Lighting
Private Mailbox
Clubhouse
Pool
Street Lights
Dishwasher
Disposal
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,963
Parcel #
07-11-31-0310-00000-0410

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
1,820 sqft
HOA
$509/mo
Property Advisors Management/Claudine

Price history

Date
Event
Price
8/10/2026
Price change
Source: Stellar MLS #FC319030
$262,000-4.4%
$191/sqft
-
Price change
Source: Stellar MLS #FC319030
$274,000-4.5%
$200/sqft
6/20/2026
Listed for sale
Source: Stellar MLS #FC319030
$287,000
$210/sqft

Neighborhood

16 Summer Ter #16
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $262,000
$255,000 – $262,000
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 112 after a $25,000 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
$2,253/mo
Principal & interest$1,366
Property taxes$247
Insurance$131
HOA$509
Down payment20% · $52,400
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 is the fee 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

$262,000

$191 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,369 sq ft

Time on market

112 days

Year built

2003

Monthly payment

About $2,253/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,963 annual tax bill, insurance, and the $509/mo HOA fee.

HOA fee

$509/mo

Managed by Property Advisors Management/Claudine.

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 byCOASTAL GATEWAY REAL ESTATE GRListing agent: Catherine SwansonListing data from Stellar MLS, MLS# FC319030.

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