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Overview

5 bd3 ba2,880 sqft3 car garageSingle Family
TypeSingle Family
HOANone listed
Built2006
Lot10,019 sqft
Living area2,880 sqft
Price / sqft$170
Garage3 car

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

About this home

Ceiling Fans(s)Walk-in Closet(s)Hurricane ShuttersPrivate MailboxPrivate YardDishwasherDisposalMicrowave

76 Universal Trl is a 2006-built home in Palm Coast Sec 57, Palm Coast. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,880 square feet of living space. Listed at $489,900 (about $170/sqft), 71 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

An opportunity to assume a 2.25 Percent VA loan, subject to lender approval and buyer qualification. This spacious Palm Coast home offers five bedrooms, two full bathrooms, one half bathroom, and approximately 2,880 square feet, along with a three-car garage. Separate living and family rooms provide flexibility for gathering, relaxing, and working from home. The remodeled kitchen features upgraded appliances and generous space for preparing meals, while updated bathrooms add to the home's appeal. Enjoy a fenced backyard with tropical landscaping, fruit plantings, and a butterfly garden. Additional features include a whole-house water softener and filtration system, irrigation, hurricane shutters, and hurricane roof clips. Also this is concrete block construction on the first floor. With substantial living space and thoughtful updates throughout, this home is ready for its next chapter. Schedule a private showing to explore the layout, outdoor space, and financing opportunity.

The essentials

Built
2006
Price / sqft
$170
On market
71 days
Annual tax
$5,316
Flood zone
X · Low risk
Lot
10,019 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
3 car garage
10,019 sqft lot
Lot size
2,880 sqft
Living area

Payment

Est. monthly payment
$3,243/mo
Down payment (20%)
$97,980
Property taxes
$443/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
10,019 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
71
Ceiling Fans(s)
Walk-in Closet(s)
Hurricane Shutters
Private Mailbox
Private Yard
Dishwasher
Disposal
Microwave
Range
Refrigerator
Water Filtration System
Water Softener
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,316
Parcel #
07-11-31-7057-00550-0120

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
Palm Coast Sec 57
County
Flagler
MLS Area
32164 - Palm Coast
Lot Size
10,019 sqft

Price history

Date
Event
Price
9/7/2026
Price change
Source: Stellar MLS #V4950558
$489,900-3.9%
$170/sqft
-
Price change
Source: Stellar MLS #V4950558
$510,000-2.9%
$177/sqft
8/4/2026
Listed for sale
Source: Stellar MLS #V4950558
$525,000
$182/sqft

Neighborhood

76 Universal Trl
Palm Coast, FL, 32164 · 32164 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $489,900
$487,500 – $489,900
99.5% – 100% of listTops out right at the list price
80% of listList price
306 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 71 after a $35,100 cut.

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

Talk through an offer with our team

Calculator

Est. monthly payment
$3,243/mo
Principal & interest$2,555
Property taxes$443
Insurance$245
Down payment20% · $97,980
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

$489,900

$170 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,880 sq ft

Time on market

71 days

Year built

2006

Monthly payment

About $3,243/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,316 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

What should I offer?

Have another question?

Brokered byRHYNES REAL ESTATEListing agent: Takeshia RhynesListing data from Stellar MLS, MLS# V4950558.

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