3 SECRETARY TRAIL, PALM COAST, FL, 32164
Active99 days on marketListed May 2, 2026MLS #S5149088
About this home
3 SECRETARY TRAIL
Build your dream home or invest in growing Palm Coast This residential lot is located in a quiet, established neighborhood, offering the perfect blend of privacy and convenience. Surrounded by natural Florida landscape and well-maintained homes, it’s an excellent opportunity for both homeowners and investors. Zoned DPX (Duplex Residential), allowing for added flexibility and potential income-producing opportunities. NO HOA and NOT located in a flood zone, giving you freedom and peace of mind. Public water and sewer are available, making your build even more convenient. Enjoy being just minutes from shopping, dining, schools, and medical facilities, with easy access to major roadways. Plus, you’re a short drive to beautiful beaches, parks, and outdoor recreation that make this area so desirable. Whether you’re looking to build your primary residence, a duplex, or invest for the future, this property offers outstanding potential in one of Florida’s fastest-growing coastal communities.
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$835 /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
$835/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.
Where it sits
Inside Palm Coast
Get to know Palm Coast. See the full Palm Coast guide →
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 71% 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 3 SECRETARY 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$265,000
30 SERGEANT COURT · same community
3 bd · 2 ba · 1,174 sqft · $226/sqft · 560 DOM
Sold · Jul ’26$355,000
2 SEOANE COURT · same community
3 bd · 2 ba · 1,377 sqft · $258/sqft · 4 DOM
Sold · May ’26$310,000
67 SEDGWICK TRAIL · same community
3 bd · 2 ba · 1,505 sqft · $206/sqft · 170 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3 SECRETARY TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3 SECRETARY TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3 SECRETARY TRAIL FAQs
What would the monthly payment be for 3 SECRETARY TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $835/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 3 SECRETARY TRAIL?+
The most recent tax bill on record (2025) was $508. 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 $100,000, this home is listed about 75% 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 3 SECRETARY 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 407HUB REAL ESTATE LLC · Carolina Alfonzo. MLS #S5149088.
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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