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Sold·Closed May 15, 2026·38 days on market
170 Secretary Trail
Palm Coast, FL 32164
About this home
Palm Coast
Welcome to this beautiful concrete block home with a tile roof, just 15 minutes from the beaches. This 3 bedroom, 2 bath home offers a split floor plan for privacy and comfort. The primary suite features a spacious walk-in closet, dual vanity sinks, and a walk-in shower. Step inside to find custom details including a striking tile mosaic in the entryway and a beautiful open concept kitchen with granite countertops and its own mosaic accent. A separate formal dining room provides space for gatherings, while the large screened lanai (pre-wired for a TV) offers the perfect place to relax and enjoy your backyard views. The newly installed privacy fence encloses a serene outdoor space that backs up to a canal, where deer are often spotted. Additional highlights include pre-wiring for an in-ground pool, ensuring endless potential for future outdoor living upgrades. This home blends a functional layout with a peaceful natural setting, all within close proximity to shopping and beaches.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Tile — year not disclosed (home built 2006)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,555 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Fort Matanzas south accessabout 21 mi · 40 parking spaces
Closest park or preserve
Pellicer Creek Conservation Areaabout 16 mi · 3.7 mi of trails
Closest public boat ramp
Bing's Landing Boat Rampabout 14 mi · Atlantic ICW (Flagler County) Matanzas River
Closest kayak & paddleboard launch
Bing's Landing Accessible Kayak Launch Dockabout 14 mi · Atlantic ICW (Flagler County) Matanzas River
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:36 AM, sunset 6:40 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $4,774/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.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $202/sq ft; this home is listed at $179/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 38 Sea Front Trail, Palm Coast, FL 32164Listed by EAZ REALTY LLC | Apr 2026 | $347,000 | $223 | 3/2 | 1,555 | 283 | 0.5 |
| 17 Sleigh Bell Place, Palm Coast, FL 32164Listed by DJ & LINDSEY REAL ESTATE | Aug 2026 | $365,000 | $204 | 4/2 | 1,787 | 77 | 0.8 |
| 97 Seattle Trail, Palm Coast, FL 32164Listed by WJH BROKERAGE FL LLC | Apr 2026 | $294,888 | $135 | 5/3 | 2,180 | 26 | 0.8 |
| 14 Sea Serpent Trail E, Palm Coast, FL 32164Listed by DJ & LINDSEY REAL ESTATE | May 2026 | $399,900 | $202 | 3/2 | 1,983 | 5 | 1.2 |
| 4130 Clifden Drive, Ormond Beach, FL 32174Listed by MOMENTUM REALTY | May 2026 | $390,000 | $186 | 3/2 | 2,099 | 77 | 1.2 |
| 41 Slipper Trail, Palm Coast, FL 32164Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jul 2026 | $280,000 | $187 | 3/2 | 1,499 | 142 | 1.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: LPT REALTY LLC
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 15, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines