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Active

Active·76 days on market

21 Mid Pines Circle

Palm Coast, FL 32137

$218,000$190/sqftEst. $1,160/moMLS# 2088979

Beds

Baths

1,150

Sq Ft

1980

Built

—

Garage

Pool

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

Mortgage calculator

Home Price

$218,000

Down Payment: 20%

$43,600

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,160

Principal & Interest: $1,160

Est. Taxes & Insurance: $290

Estimated Total Monthly

$1,450

*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$1,160

HOAbilled quarterly$563

Estimated total, before insurance$1,723/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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.

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.

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

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

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)