CENTURY 21 Edge
$549,000$599,000$3,842 /mo all-in ↓

KATHLEEN TRAIL, PALM COAST, FL, 32164

Active178 days on marketListed Feb 7, 2026MLS #FC315974

Reduced $50K

About this home

KATHLEEN TRAIL

Rare opportunity to own 10 acres in Palm Coast’s highly sought-after Quail Hollow neighborhood. Bring your horses, create the family compound you’ve always envisioned, or build a private estate with room to spread out. With endless possibilities, this blank canvas offers the space and privacy to bring your vision to life. Enjoy the peaceful setting of country-style living while remaining just minutes from shopping, dining, major roadways, and Flagler Beach. It’s a unique opportunity to own acreage in one of Palm Coast’s most desirable locations while staying close to the conveniences of everyday life. For those seeking development potential, the property also includes approved plans for a 7-lot estate subdivision. A Development Order has been issued by the City of Palm Coast, an SJRWMD ERP has been issued, and the property has been fully surveyed. The approved plans include seven 1-acre homesites with a private cul-de-sac and planned community pond. Full due diligence is available upon request.

Facts & features

The home at a glance

10 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$2,483/yr

Utilities & systems

UtilitiesElectricity Available · Public · Sewer Available · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,842 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,232
FHA mortgage insurance (est.)$243
Property tax — 2025 actual bill$207
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $19,215Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $19,215
Interest rate6.00%
Loan term

Estimated payment

$3,842/mo

Principal & interest$3,232
FHA mortgage insurance (est.)$243
Property taxes (actual bill)$207
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside Palm Coast

Map of KATHLEEN TRAIL

Drive times from this address

Downtown Orlando75 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Palm Coast. See the full Palm Coast guide →

For the school run

Flagler County School District

HighFlagler-Palm Coast High School★★★★★
ElementaryBunnell Elementary School★★★★★
MiddleBuddy Taylor Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$355K$360K

Palm Coast median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 61% above the PALM COAST 32164 median. See the full Palm Coast market guide →

Paper trail

This home's history

CurrentPrice reduced to $549,000 $50K
Feb 7, 2026Listed at $599,000 · 178 days on market since

Reality check

What actually sold near KATHLEEN TRAIL

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

8 KARAT PATHSold · May ’26

$245,000

8 KARAT PATH

3 bd · 2 ba · 1,086 sqft · $226/sqft · 89 DOM

23 ZOELLER COURTSold · Jun ’26

$264,000

23 ZOELLER COURT

3 bd · 2 ba · 1,174 sqft · $225/sqft · 54 DOM

23 DILLY COURTSold · Jun ’26

$293,990

23 DILLY COURT

3 bd · 2 ba · 1,269 sqft · $232/sqft · 308 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.

Zack Zonker

Your agent

Zack Zonker

President Tampa Division · CENTURY 21 Edge

Tours, negotiation, and every question about KATHLEEN TRAIL — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for KATHLEEN TRAIL — before you fall in love.

See it in person

Schedule a tour

Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

KATHLEEN TRAIL FAQs

What would the monthly payment be for KATHLEEN TRAIL?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,842/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on KATHLEEN TRAIL?+

The most recent tax bill on record (2025) was $2,483. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Palm Coast?+

At $549,000, this home is listed about 37% above the Palm Coast median of $399,950. The market section on this page shows how the area is trending.

Which schools are assigned to KATHLEEN TRAIL?+

Flagler-Palm Coast High School (high), Bunnell Elementary School (elementary), Buddy Taylor Middle School (middle) — Flagler County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$549,000 runs 61% above the PALM COAST 32164 median.

02Time on market is leverage

178 days on market against a Palm Coast median of 52 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $599,000, now $549,000 — a $50K cut. The full history is in the market section below.

Listing courtesy of FLORIDA BEACHES REAL ESTATE · Taylor Janse. MLS #FC315974.

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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KATHLEEN TRAIL, PALM COAST, FL — $549,000 | CENTURY 21 Edge