98 SMITH TRAIL, PALM COAST, FL, 32164
Active37 days on marketListed Sep 3, 2026MLS #FC321193
About this home
98 SMITH TRAIL
Welcome home to Palm Coast! Within a short ride to the beach - This beautifully maintained 3-bedroom, 2-bathroom single-family residence perfectly balances comfort and functional design. Featuring a highly sought-after split-bedroom floor plan, the layout maximizes privacy by separating the spacious primary suite from the guest bedrooms. As you step inside, you will appreciate the bright living spaces enhanced by high vaulted ceilings and cooling ceiling fans throughout. The functional kitchen features a cozy eat-in breakfast area, making it ideal for casual morning coffee or meal prep. Step out back to find your private Florida oasis. The covered and screened-in lanai overlooks a fully fenced, expansive backyard—perfect for pets, play, or outdoor entertaining. Plus, enjoy the ultimate peace of mind with no rear neighbors directly behind the property. Complete with an attached 2-car garage, this turn-key home is ready for its next chapter. Schedule your tour today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,230
Sqft
0.24 ac
Lot size
2
Garage
2003
Year built
One
Levels
$232
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.
$2,217 /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
$2,217/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
+6.4%
$/sqft vs SEMINOLE WOODS
$232 vs $216
Days on market
37 vs 73 typical
Where $232/sqft sits among the 8 homes for sale in SEMINOLE WOODS
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)
4 of 8
SEMINOLE WOODS have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% 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 98 SMITH TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$275,000
2306 NW 121ST AVENUE · same community
3 bd · 2 ba · 1,269 sqft · $217/sqft · 97 DOM
Sold · Sep ’26$270,000
4 SEVERN COURT · same community
3 bd · 2 ba · 1,166 sqft · $232/sqft · 10 DOM
Sold · Jun ’26$267,500
3 SERENADE PLACE · same community
3 bd · 2 ba · 1,303 sqft · $205/sqft · 7 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 98 SMITH TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 98 SMITH 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
98 SMITH TRAIL FAQs
What would the monthly payment be for 98 SMITH TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,217/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 98 SMITH TRAIL?+
The most recent tax bill on record (2025) was $3,041. 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 $285,000, this home is listed about 27% below the Palm Coast median of $389,990. The market section on this page shows how the area is trending.
Which schools are assigned to 98 SMITH 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.
Keep looking
Similar homes nearby
Listing courtesy of ATLANTIC OCEAN REALTY · Ariel Oren. MLS #FC321193.
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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