39 VILLAGE CIRCLE UNIT 5-501, PALM COAST, FL, 32164
Active195 days on marketListed Jan 29, 2026MLS #FC315658
About this home
39 VILLAGE CIRCLE UNIT 5-501
Your Dream Home Awaits: Turnkey Golf Course Home with Stunning Views. Welcome to a home that does the work for you. You’ll love the intuitive flow: a main-floor master suite for easy access and an open-concept living area centered on a warm fireplace with views of the fairways. Whether you're hosting Sunday brunch or enjoying the breeze through the screened two-car garage, every inch of this home is designed for relaxation. The second floor provides a private retreat for guests, featuring two additional bedrooms and a quiet office space. Photos truly don’t do the sense of scale justice—this is a must-see to appreciate the generous proportions and tranquil setting.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,850
Sqft
0.04 ac
Lot size
2
Garage
1982
Year built
Two
Levels
$135
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,377 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,606/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Palm Coast actives
$135 vs $222
Days on market
195 vs 49 typical
Where $135/sqft sits among the 400 Palm Coast actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Pine Lakes
Get to know Palm Coast. See the full Palm Coast guide →
Pine Lakes — neighborhood snapshot
Population
12,061
Median age
54
Median income
$75,387
Median home value
$315,200
Avg household
2
Households w/ children
868
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Coast market
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
202 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 39 VILLAGE CIRCLE UNIT 5-501
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$225,000
55 VILLAGE CIRCLE · same community
3 bd · 2.5 ba · 1,850 sqft · $122/sqft · 208 DOM
Sold · May ’26$227,500
49 VILLAGE CIRCLE · same community
3 bd · 2.5 ba · 1,665 sqft · $137/sqft · 230 DOM
Sold · Sep ’25$220,000
41 VILLAGE CIRCLE · same community
3 bd · 2.5 ba · 1,665 sqft · $132/sqft · 328 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 39 VILLAGE CIRCLE UNIT 5-501 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39 VILLAGE CIRCLE UNIT 5-501 — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
39 VILLAGE CIRCLE UNIT 5-501 FAQs
What would the monthly payment be for 39 VILLAGE CIRCLE UNIT 5-501?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,377/mo — principal and interest, estimated property taxes, the $635/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 39 VILLAGE CIRCLE UNIT 5-501?+
The association fee works out to $635 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 39 VILLAGE CIRCLE UNIT 5-501?+
The most recent tax bill on record (2025) was $0. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 39 VILLAGE CIRCLE UNIT 5-501?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $250,000, this home is listed about 37% below the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 39 VILLAGE CIRCLE UNIT 5-501?+
Buddy Taylor Middle School (middle), Rymfire Elementary School (elementary), Flagler-Palm Coast High School (high) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the PALM COAST 32164 market on paper
$250,000 is 26% below the PALM COAST 32164 median of $339,900, and at $135/sqft it sits under the Palm Coast average of $258.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $635/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
195 days on market against a Palm Coast median of 49 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $299,000, now $250,000 — a $49K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER PREMIER PROPERTIES · John Lidstrom. MLS #FC315658.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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