148 SECRETARY TRAIL UNIT A/B, PALM COAST, FL, 32164
Active52 days on marketListed Aug 19, 2026MLS #FC320680
About this home
148 SECRETARY TRAIL UNIT A/B
INVESTOR OPPORTUNITY | INCOME-PRODUCING DUPLEX | PALM COAST, FL. Welcome to 148 Secretary Trail, an excellent opportunity to own an income-producing duplex in the desirable and growing Palm Coast market. This multi-family property offers investors the unique advantage of owning two residential units under one roof, creating the potential for multiple rental income streams and long-term investment value. A duplex is an excellent option for investors looking to diversify their real estate portfolio while maximizing the income potential of a single property. Whether you are an experienced investor expanding your portfolio, a first-time investor looking for an income-producing property, or an owner-occupant interested in living in one unit while generating rental income from the other, this property provides valuable flexibility. Each unit offers its own living space, providing tenants with privacy and the convenience of multi-family living. The property's layout makes it well suited for long-term rental use and offers the potential to generate consistent cash flow, subject to rental rates, occupancy, operating expenses, and market conditions. Located in Palm Coast, Florida, the property benefits from the area's continued growth and strong demand for residential housing. Residents enjoy convenient access to shopping, restaurants, schools, parks, golf courses, recreational amenities, medical facilities, major roadways, and the beautiful Atlantic Coast beaches. Palm Coast's combination of coastal lifestyle, expanding amenities, and proximity to surrounding communities makes it an attractive location for both residents and real estate investors. Owning a multi-family property in this market provides an opportunity to participate in the area's continued growth while building long-term real estate equity. 148 Secretary Trail is a property worth adding to your investment portfolio. With two units and the potential for rental income from multiple tenants, this duplex offers an attractive combination of income potential, flexibility, and long-term investment opportunity. Whether you're looking for immediate rental income, a multi-family investment, or your next addition to a growing portfolio, don't miss the opportunity to see 148 Secretary Trail. Schedule your private showing today!
Facts & features
The home at a glance
6
Bedrooms
2,422
Sqft
0.23 ac
Lot size
2
Garage
2021
Year built
One
Levels
$196
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 — not generic estimates.
$3,670 /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
$3,670/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.
$/sqft vs PALM COAST SEC 58
$196 vs $216
Days on market
52 vs 73 typical
Where $196/sqft sits among the 12 homes for sale in PALM COAST SEC 58
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 Seminole Woods
Get to know Palm Coast. See the full Palm Coast guide →
Seminole Woods — neighborhood snapshot
Population
6,192
Median age
41
Median income
$75,477
Median home value
$289,999
Avg household
3
Households w/ children
843
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)
7 of 12
PALM COAST SEC 58 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 42% above the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 148 SECRETARY TRAIL UNIT A/B
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$430,000
62 SENTINEL TRAIL · same community
4 bd · 2 ba · 2,470 sqft · $174/sqft · 4 DOM
Sold · Jun ’26$475,000
15 SENSENEY PATH · same community
4 bd · 3 ba · 2,342 sqft · $203/sqft · 7 DOM
Sold · Mar ’26$380,000
3 SETON COURT · same community
4 bd · 3 ba · 2,307 sqft · $165/sqft · 74 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 148 SECRETARY TRAIL UNIT A/B — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 148 SECRETARY TRAIL UNIT A/B — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
148 SECRETARY TRAIL UNIT A/B FAQs
What would the monthly payment be for 148 SECRETARY TRAIL UNIT A/B?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,670/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 148 SECRETARY TRAIL UNIT A/B?+
The most recent tax bill on record (2025) was $6,045. 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 148 SECRETARY TRAIL UNIT A/B?+
The listing reports pets: Cats OK, Dogs OK. 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 $475,000, this home is listed about 22% above the Palm Coast median of $389,990. The market section on this page shows how the area is trending.
Which schools are assigned to 148 SECRETARY TRAIL UNIT A/B?+
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.
Keep looking
Similar homes nearby
Listing courtesy of VIRTUAL HOMES REALTY · Kseniya Edwards. MLS #FC320680.
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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