7 UNIVERSAL TRAIL, PALM COAST, FL, 32164
Active20 days on marketListed Sep 20, 2026MLS #FC321556
About this home
7 UNIVERSAL TRAIL
Built in 2023, this Energy Efficient Certified 5-bedroom residence offers exceptional value for buyers seeking maximum space, modern comfort, and lower ongoing utility costs—while remaining under the builder’s warranty. Set on an oversized homesite backing to a wooded preserve, the property provides a welcome sense of privacy and a tranquil natural backdrop with no rear neighbors immediately behind. The single-level layout is designed for everyday living, offering five versatile bedrooms that can easily accommodate family, guests, a home office, fitness room, hobby space, or dedicated playroom. Inside, the home offers an inviting open-concept living area with a bright, contemporary feel. The kitchen serves as the center of the home, connecting naturally to the dining and living spaces for easy entertaining and daily routines. A spacious primary suite creates a comfortable retreat, highlighted by an exceptionally large walk-in closet with room to organize wardrobe essentials and more. Storage is a standout feature throughout, including a huge interior laundry room with abundant space for supplies, shelving, and household organization. A two-car garage (with epoxy flooring) adds everyday convenience, while the oversized yard offers flexibility to enjoy the preserve view, create an outdoor living area, or simply appreciate the extra breathing room. With five bedrooms, 2023 construction, energy-conscious design, preserve privacy, and the best price on the market for a 5-bedroom home, this home checks the boxes buyers want most
Facts & features
The home at a glance
5
Bedrooms
2
Bathrooms
2,052
Sqft
0.23 ac
Lot size
2
Garage
2023
Year built
One
Levels
$174
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.
$2,798 /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
$2,798/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
+3.5%
$/sqft vs PALM COAST SEC 57
$174 vs $190
Days on market
20 vs 73 typical
Where $174/sqft sits among the 11 homes for sale in PALM COAST SEC 57
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 11
PALM COAST SEC 57 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% 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 7 UNIVERSAL TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$450,000
35 ULMACEAL PATH · same community
3 bd · 2 ba · 2,041 sqft · $220/sqft · 287 DOM
Sold · Jun ’26$375,400
28 ULMACEAL PATH · same community
4 bd · 3 ba · 2,117 sqft · $177/sqft · 94 DOM
Sold · Apr ’26$380,000
233 ULLIAN TRAIL · same community
3 bd · 2 ba · 1,970 sqft · $193/sqft · 37 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 7 UNIVERSAL TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7 UNIVERSAL TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
7 UNIVERSAL TRAIL FAQs
What would the monthly payment be for 7 UNIVERSAL TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,798/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 7 UNIVERSAL TRAIL?+
The most recent tax bill on record (2025) was $4,583. 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 $356,500, this home is listed about 9% 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 7 UNIVERSAL 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 REALTY EXCHANGE, LLC · David S. Petkovsek. MLS #FC321556.
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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