5 GRAHAM TRAIL, PALM COAST, FL, 32137
Active0 days on marketListed Aug 11, 2026MLS #FC320564
About this home
5 GRAHAM TRAIL
Welcome to this beautiful home located in the well-maintained community of Hidden Lakes. This inviting residence features a bright, open-concept floor plan with crown molding, tile flooring throughout, granite countertops and stainless steel appliances. The home offers three spacious bedrooms, with double closets in two of them and the primary has a double tray ceiling with crown molding. Step onto your four-season porch with sliding windows that overlooks the fenced private backyard - perfect for relaxing and entertaining and plenty of room for a pool. You can also enjoy the covered front porch with stone accents and the paver driveway continues to the porch. Hidden Lakes offers an exceptional lifesytyle with underground utilities, charming street lamps, sidewalks, community pool, clubhouse, playground, and basketball/pickleball court. Residents also enjoy a welcoming neighborhood atmosphere with planned social events and gatherings throughout the year, making it easy to connect with wonderful neighbors.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,869
Sqft
0.2 ac
Lot size
2
Garage
2015
Year built
One
Levels
$206
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.
$3,241 /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
$3,241/mo
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.
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.
vs edgeAI estimate
−8.8%
Days on market
0 vs 49 typical
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 Palm Coast
Get to know Palm Coast. See the full Palm Coast guide →
PALM COAST 32137 — neighborhood snapshot
Population
47,003
Median age
56.5
Median income
$78,731
Median home value
$360,600
Avg household
2.3
Households w/ children
3,437
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5 GRAHAM TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5 GRAHAM TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5 GRAHAM TRAIL FAQs
What would the monthly payment be for 5 GRAHAM TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,241/mo — principal and interest, the actual property-tax bill, the $87/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 5 GRAHAM TRAIL?+
The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5 GRAHAM TRAIL?+
The most recent tax bill on record (2025) was $6,693. 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 5 GRAHAM TRAIL?+
The listing reports pets: 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 $385,000, this home is listed about 4% 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 5 GRAHAM TRAIL?+
Matanzas High School (high), Indian Trails Middle School (middle), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of REAL ESTATE SERVICES OF PC · Jan McHugh. MLS #FC320564.
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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