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Active

Active·62 days on market

54 Selma Trail

Palm Coast, FL 32164

$375,000$156/sqftEst. $1,996/moMLS# 2143261

Beds

Baths

2,399

Sq Ft

2006

Built

Garage

Pool

About this home

Palm Coast

Beautifully maintained and move-in ready 4-bedroom, 3-bath home in Seminole Woods offering the perfect blend of space, function, and everyday comfort. With nearly 2,400 square feet, this home features a well-designed split floor plan with multiple living areas, giving you flexibility for both entertaining and daily living. The spacious family room flows naturally into the kitchen and main living area, highlighted by volume ceilings and an open feel that makes the home live larger than expected. Updated vinyl wood-look flooring runs throughout, creating a clean, cohesive look and a move-in ready foundation for your personal style. The primary suite is generously sized with a unique layout that adds both space and functionality, while the additional bedrooms and bathroom are well positioned for family or guests. Step outside to a covered and screened lanai overlooking a private, natural backyard setting, perfect for relaxing mornings or winding down in the evening.

Cost to own

Mortgage calculator

Home Price

$375,000

Down Payment: 20%

$75,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,894

Principal & Interest: $1,894

Est. Taxes & Insurance: $474

Estimated Total Monthly

$2,368

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). 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$1,996

Estimated total, before insurance$1,996/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

2025 property taxes (current owner): $4,694/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: material not specified — year not disclosed (home built 2006)

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: ~1,729 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 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