28 KARAT PATH, PALM COAST, FL, 32164
Active139 days on marketListed Mar 7, 2026MLS #FC316704
About this home
28 KARAT PATH
Excellent investment opportunity with this custom concrete block duplex located in a desirable area of Palm Coast. Situated on a spacious 10,019 sq ft lot, this property offers strong income potential and flexibility for investors, multi-generational living, or owner-occupants looking to live in one unit while renting the other. The duplex features two well-designed units with generous living space. Side A offers approximately 1,726 sq ft with 4 bedrooms and 3 full bathrooms, including two master suites, a large kitchen, and an oversized 1.5-car garage. Side B offers approximately 1,395 sq ft with 3 bedrooms, 2 bathrooms, and a 1-car garage. Both units share access to a large screened-in back patio and a fully fenced backyard, creating additional outdoor living space that tenants or owners will appreciate. This property provides multiple possibilities including long-term rental income, multi-generational living, or owner occupancy with rental offset. Conveniently located near schools, shopping, hospitals, walking and jogging trails, and only a short drive to Flagler Beach. Easy access to St. Augustine (approx. 35 minutes) and Daytona Beach (approx. 30 minutes). Great opportunity to own an income-producing property in a growing Florida market
Facts & features
The home at a glance
7
Bedrooms
3,123
Sqft
0.23 ac
Lot size
2
Garage
2006
Year built
$181
Per sqft
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.
$3,992 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,992/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Palm Coast actives
$181 vs $221
Days on market
139 vs 47 typical
Where $181/sqft sits among the 400 Palm Coast actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Coast
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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)
177 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 66% above the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 28 KARAT PATH
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$529,000
47 KATHLEEN TRAIL · same community
4 bd · 4 ba · 2,875 sqft · $184/sqft · 111 DOM
Sold · Mar ’26$346,500
46 KARAT PATH · same community
4 bd · 2 ba · 2,570 sqft · $135/sqft · 90 DOM
Sold · Aug ’25$405,000
42 KATHLEEN TRAIL · same community
4 bd · 3 ba · 2,309 sqft · $175/sqft · 214 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 28 KARAT PATH — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28 KARAT PATH — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
28 KARAT PATH FAQs
What would the monthly payment be for 28 KARAT PATH?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,992/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 28 KARAT PATH?+
The most recent tax bill on record (2025) was $6,855. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 28 KARAT PATH?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $565,000, this home is listed about 43% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 28 KARAT PATH?+
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
01Positioned at the premium end
$565,000 runs 66% above the PALM COAST 32164 median — but at 3,123 sqft it's also 66% larger than the typical Palm Coast listing.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
139 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Carlos Arias. MLS #FC316704.
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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