90 UNIVERSIAL TRAIL, PALM COAST, FL, 32164
Active71 days on marketListed May 15, 2026MLS #FC317735
About this home
90 UNIVERSIAL TRAIL
$10,000.00 $$$$ FLEX CASH BUY RATE DOWN CLOSING COST ASSISTANCE Step into the Florida lifestyle in this spacious Seminole Woods pool home designed for comfort, flexibility, and easy everyday living. With over 2,300 sq ft and two oversized primary suites, this home offers room for everyone—whether you’re hosting long-term guests, creating a private retreat for family, or setting up a multi-gen living arrangement. The second primary suite feels like its own private wing with a separate entrance, dedicated HVAC, and French doors opening directly to the pool deck. Inside, the main living areas feel bright and open thanks to a soaring cathedral ceiling that spans both the great room and the kitchen. A full dividing wall separates the two spaces for function and privacy, yet remains open at the top, allowing light and air to flow freely and giving the home a spacious, connected feel. Tile flooring keeps the home cool and low-maintenance, while brand-new carpet in the bedrooms adds comfort. Fresh interior paint throughout makes the home feel clean and move-in ready. Step outside and you’re instantly in vacation mode. The large, screened saltwater pool and saltwater inground hot tub create a private outdoor oasis perfect for relaxing, entertaining, or enjoying warm Florida evenings. New screening and a new pool pump keep everything crisp and ready to enjoy, and the convenient pool bath means no wet feet through the house. The fully fenced yard adds privacy and space for pets or play. Energy-efficient upgrades—including a 2021 roof, solar panels, and solar hot water heater—help monthly costs while adding long-term value. Located in the quiet Seminole Woods neighborhood, you’re minutes from I-95, shopping, parks, and a quick drive to Flagler Beach. This home blends everyday practicality with the relaxed coastal lifestyle Palm Coast is known for.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,368
Sqft
0.23 ac
Lot size
2
Garage
2006
Year built
One
Levels
$207
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.
$3,650 /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
$3,650/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
+11.5%
$/sqft vs SEMINOLE WOODS
$207 vs $216
Days on market
71 vs 47 typical
Where $207/sqft sits among the 10 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 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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
7 of 10
SEMINOLE WOODS have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 44% 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 90 UNIVERSIAL 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$375,000
38 SEA BREEZE TRAIL · same community
3 bd · 3 ba · 2,363 sqft · $159/sqft · 164 DOM
Sold · Jun ’26$265,000
11919 NW 23RD DRIVE · same community
4 bd · 3 ba · 2,432 sqft · $109/sqft · 61 DOM
Sold · Jul ’25$350,000
5 SENORA COURT · same community
4 bd · 2 ba · 2,271 sqft · $154/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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 90 UNIVERSIAL TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 90 UNIVERSIAL TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
90 UNIVERSIAL TRAIL FAQs
What would the monthly payment be for 90 UNIVERSIAL TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,650/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 90 UNIVERSIAL TRAIL?+
The most recent tax bill on record (2025) was $4,674. 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 $489,900, this home is listed about 24% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 90 UNIVERSIAL 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.
The brief
Three things that matter here
01Positioned at the premium end
$489,900 runs 44% above the PALM COAST 32164 median — but at 2,368 sqft it's also 26% larger than the typical Palm Coast listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $494,000, now $489,900 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLAGLER REALTY PROFESSIONALS LLC · Merle Spencer. MLS #FC317735.
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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