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Active

Active·150 days on market

21 Mid Pines Circle

Palm Coast, FL 32137

$218,000$190/sqftEst. $1,154/moMLS# 2088979
2
Beds
2
Baths
1,150
Sq Ft
1980
Built
—
Garage
No
Pool
FEMA Zone XHOA $563/moCondominium1 story

About this home

Palm Coast

Make sure to check out the Virtual Tour for a 3D Model w/ Walkthrough, Floor Plan w/ Measurements, Video, & more! Low-maintenance living, park-like views, and a condo that doesn't look like 1980 called asking for its finishes back. This 2-bedroom, 2-bath first-floor end unit in The Fairways at Palm Coast has been tastefully renovated (2009) and thoughtfully maintained—right down to the 2019 A/C and the timeless charm of plantation shutters! The 1,200 square feet of living space feels even larger thanks to big sunny windows and a smart layout that includes a formal dining room, a spacious 12x14 living area, and a glassed-in 9x23 Florida room that practically doubles as your second living room. Need a peaceful place to sip your coffee and admire the greenery? The serene, park-like views from here will do the trick. The kitchen is bright, modern, and ready for action: pewter cabinetry, stainless appliances, a pantry, peninsula for casual bites, and a breakfast nook that makes mornings

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$1,154
HOAbilled quarterly$563
Estimated total, before insurance$1,717/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,563/yr · $130/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$218,000
$43,600
Loan Term
Monthly Payment
$1,154
Principal & Interest: $1,154
Insurance (est.): $145
Estimated Total Monthly
$1,300
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 1980)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · Palm Coast - building count > 0 within city limits · Public water (record)

County records show this parcel on central sewer served by Palm Coast - building count > 0 within city limits — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,319 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $1,563/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Apr 23, 2026Listed$218,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$218,000
Price / Sq Ft$190
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,150
Total Structure Area1,150 sq ft
Year Built1980
TypeResidential
Sub-TypeCondominium
StyleContemporary
StatusActive
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

ElementaryOld Kings
MiddleIndian Trails
HighMatanzas

Community Information

Address21 Mid Pines Circle, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionPalm Coast
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Parcel Number0711317099003700101
ZoningCondominium

Amenities

AmenitiesPool, Other, Clubhouse, Jogging Path, Maintenance Grounds, Maintenance Structure, Sauna, Tennis Court(s), Trash, Water
Community FeaturesSidewalks
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAssigned, Off Street
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator, Washer/Dryer Stacked
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesStorm Shutters
Lot DescriptionCleared, Few Trees
Patio / PorchAwning(s), Covered, Front Porch, Glass Enclosed, Patio, Porch, Rear Porch, Screened
RoofShingle
ConstructionBlock, Frame, Wood Siding
Road SurfacePaved
Road FrontageOther

Additional Information

Date ListedApril 24, 2026
Days on Market239
HOA Fees$1,687.5 / Quarterly
HOA FrequencyQuarterly
HOA NameTHE FAIRWAYS CONDO
HOA Fee IncludesInternet, Maintenance Grounds, Maintenance Structure, Pest Control, Sewer, Trash, Water
Tax Amount$1,563
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC · Josh@JoshHanoud.com

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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Krista Fracke - Broker Associate

Krista Fracke

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20+ years · 500+ closings · NE Florida

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