432 UNDERWOOD TRAIL, PALM COAST, FL, 32164
Active1 days on marketListed Aug 4, 2026MLS #FC320417
About this home
432 UNDERWOOD TRAIL
Under Construction. Under Construction. Photos are not of actual home. Only $1,000 deposit and saving your buyers thousands of dollars in closing costs when using one of our lender partners saving thousands of dollars at the closing table. to this beautifully designed 1,780-square-foot, 3-bedroom, 2-bath home where every space was created with the way you live in mind. From the moment you walk through the front door, you'll feel the openness of the thoughtfully designed floor plan that brings everyone together while still offering the comfort and privacy you deserve. The heart of the home is the stunning kitchen featuring elegant quartz countertops, providing the perfect space for everything from busy weekday mornings to holiday gatherings with family and friends. Whether you're preparing dinner, helping with homework, or entertaining guests, this is where memories are made. Step outside to your covered back patio and imagine grilling on the weekends, watching the sunset with your favorite drink, or simply enjoying the peaceful Florida evenings. It's your own private space to relax, recharge, and create the life you've always envisioned.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,780
Sqft
0.23 ac
Lot size
2
Garage
2026
Year built
One
Levels
$198
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.
$2,472 /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
$2,472/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
+1.9%
Days on market
1 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 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 → $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 3% 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 432 UNDERWOOD TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 432 UNDERWOOD TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
432 UNDERWOOD TRAIL FAQs
What would the monthly payment be for 432 UNDERWOOD TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,472/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 432 UNDERWOOD TRAIL?+
The most recent tax bill on record (2025) was $945. 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 $352,900, this home is listed about 12% below the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 432 UNDERWOOD 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 ADAMS HOMES REALTY, INC · Tracy Webster. MLS #FC320417.
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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