12 SELMA TRAIL, PALM COAST, FL, 32164
Active170 days on marketListed Feb 11, 2026MLS #FC315638
About this home
12 SELMA TRAIL
PALM COAST | SEMINOLE WOODS. "Build to suit" on this conveniently located 1/4-acre drop lot. Enjoy the established, quiet community with no HOA fees. This lot is fully buildable with the addition of fill and the planned swale system. Strategically located with easy access to Daytona Beach and St Augustine and only minutes to all the amenities of Palm Coast and the Flagler beaches.
Facts & features
The home at a glance
0.23 ac
Lot size
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 — not generic estimates.
$508 /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
$508/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.
Where it sits
Inside Palm Coast
Get to know Palm Coast. See the full Palm Coast guide →
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 84% below the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 12 SELMA TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$101,500
2202 NW 121ST AVENUE · same community
2 bd · 2 ba · 924 sqft · $110/sqft · 85 DOM
Sold · Dec ’25$187,000
10 UNIONTIN COURT · same community
3 bd · 1 ba · 1,008 sqft · $186/sqft · 0 DOM
Sold · Feb ’26$275,000
2306 NW 121ST AVENUE · same community
3 bd · 2 ba · 1,269 sqft · $217/sqft · 97 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 12 SELMA TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 SELMA TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12 SELMA TRAIL FAQs
What would the monthly payment be for 12 SELMA TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $508/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 12 SELMA TRAIL?+
The most recent tax bill on record (2025) was $2. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Coast?+
At $55,000, this home is listed about 86% 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 12 SELMA TRAIL?+
Flagler-Palm Coast High School (high), Bunnell Elementary School (elementary), Buddy Taylor Middle School (middle) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALM COAST 32164 market on paper
$55,000 is 84% below the PALM COAST 32164 median of $339,990.
02Time on market is leverage
170 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $60,000, now $55,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER PREMIER PROPERTIES · Darlene Suchecki. MLS #FC315638.
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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