21 SUMMERWIND CIRCLE UNIT 107, PALM COAST, FL, 32137
Active73 days on marketListed May 12, 2026MLS #FC318290
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Sat, Jul 25
12:00 PM – 3:00 PM
Call Ozzie 860-553-1684
Sun, Jul 26
12:00 PM – 3:00 PM
Call Mike 216-408-9797
About this home
21 SUMMERWIND CIRCLE UNIT 107
Welcome to effortless living in Arbor Trace! This beautifully maintained, move-in ready, one story condominium offers the perfect blend of comfort, convenience and coastal charm. Featuring three bedrooms and two full bathrooms and a 2 car garage, this home is ideal for those seeking a low maintenance lifestyle without sacrificing space or style. The open concept layout seamlessly connects the kitchen, dining and living areas perfect for every day or entertaining guests, a bright and airy sunroom provides the ideal spot for morning coffee, reading unwinding along with a convenient interior laundry area with a washer and dryer included. Residents of Arbor Trace enjoy access to a private community pool while the HOA handles all of the exterior maintenance, pest control, and termite services leaving you more time to enjoy life!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,369
Sqft
0.04 ac
Lot size
2
Garage
2004
Year built
One
Levels
$193
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 and the real association fee — not generic estimates.
$2,694 /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
$2,694/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
−3.4%
$/sqft vs Palm Coast actives
$193 vs $221
Days on market
73 vs 47 typical
Where $193/sqft sits among the 400 Palm Coast actives
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 Harbor
Get to know Palm Coast. See the full Palm Coast guide →
Palm Harbor — neighborhood snapshot
Population
16,621
Median age
57
Median income
$73,524
Median home value
$373,781
Avg household
2
Households w/ children
1,152
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)
176 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% below the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 21 SUMMERWIND CIRCLE UNIT 107
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$285,000
75 VERANDA WAY UNIT 75 · same community
3 bd · 2 ba · 1,369 sqft · $208/sqft · 17 DOM
Sold · Jun ’26$285,000
79 VERANDA WAY UNIT 67 · same community
3 bd · 2 ba · 1,369 sqft · $208/sqft · 10 DOM
Sold · Mar ’26$280,000
41 VERANDA WAY UNIT 41 · same community
3 bd · 2 ba · 1,369 sqft · $205/sqft · 102 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 21 SUMMERWIND CIRCLE UNIT 107 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21 SUMMERWIND CIRCLE UNIT 107 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
21 SUMMERWIND CIRCLE UNIT 107 FAQs
What would the monthly payment be for 21 SUMMERWIND CIRCLE UNIT 107?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,694/mo — principal and interest, the actual property-tax bill, the $509/mo association fee 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.
How much are the HOA fees at 21 SUMMERWIND CIRCLE UNIT 107?+
The association fee works out to $509 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 21 SUMMERWIND CIRCLE UNIT 107?+
The most recent tax bill on record (2025) was $4,179. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 21 SUMMERWIND CIRCLE UNIT 107?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $264,900, this home is listed about 33% below the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 21 SUMMERWIND CIRCLE UNIT 107?+
Matanzas High School (high), Indian Trails Middle School (middle), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PALM COAST 32137 market on paper
$264,900 is 30% below the PALM COAST 32137 median of $379,990, and at $193/sqft it sits under the Palm Coast average of $257.
02Know the monthly fee
The association fee is $509/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Strong assigned schools
Matanzas High School, Indian Trails Middle School, Old Kings Elementary School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $279,000, now $264,900 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA BEACHES REAL ESTATE · P. Jordan Farrell. MLS #FC318290.
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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