76 UNIVERSAL TRAIL, PALM COAST, FL, 32164
Active0 days on marketListed Aug 4, 2026MLS #V4950558
About this home
76 UNIVERSAL TRAIL
Rare Assumable VA Loan at 2.25% Interest Rate for Qualified Buyers! This beautifully upgraded 5-Bedrooms, 3 Bathrooms, 2,880-square-foot home offers the perfect combination of comfort, quality, and peace of mind with a spacious 3-car garage and numerous premium upgrades throughout. Built with storm preparedness in mind, the home features hurricane shutters, hurricane roof clips, and a hurricane-rated fence designed for enhanced wind resistance. Additional upgrades include a whole-house water softener and filtration system, plus an irrigation system to maintain the professionally landscaped yard. The remodeled kitchen showcases modern finishes, upgraded appliances, and abundant space for entertaining, while the updated bathrooms provide a fresh, contemporary feel. Step outside to your private tropical backyard oasis featuring mature guava, lime, orange, and watermelon plants, a butterfly garden, and three working compost areas. Relax with your morning coffee on the screened front porch or unwind in the screened rear lanai while enjoying Florida’s beautiful weather year-round. This thoughtfully upgraded home offers the perfect blend of modern updates, energy-efficient features, outdoor living, and storm-ready construction. Opportunities like this—especially with an assumable 2.25% VA loan—are exceptionally rare. Schedule your private showing today!
Facts & features
The home at a glance
5
Bedrooms
2.5
Bathrooms
2,880
Sqft
0.23 ac
Lot size
3
Garage
2006
Year built
Two
Levels
$182
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.
$3,926 /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
$3,926/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
+25.7%
Days on market
0 vs 52 typical
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
$355K → $360K
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 54% above the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
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
Shawn Headley
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 76 UNIVERSAL TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 76 UNIVERSAL TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
76 UNIVERSAL TRAIL FAQs
What would the monthly payment be for 76 UNIVERSAL TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,926/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 76 UNIVERSAL TRAIL?+
The most recent tax bill on record (2025) was $5,316. 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 $525,000, this home is listed about 31% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 76 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.
Listing courtesy of RHYNES REAL ESTATE · Takeshia Rhynes. MLS #V4950558.
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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