20 MASTERS COURT UNIT 20, PALM COAST, FL, 32137
Active117 days on marketListed Apr 10, 2026MLS #FC317474
About this home
20 MASTERS COURT UNIT 20
Welcome to this beautifully updated 2nd-floor condo in the desirable Fairways community! Ideally situated in a prime location backing to the Palm Harbor Golf Course, this unit offers peaceful golf course views and easy access to miles of scenic walking paths, plus it’s just minutes from the beach, shopping, and dining. This bright and spacious 1-bedroom condo features a versatile den separated by a stylish barn door—perfect for a home office, guest room, or flex space. New luxury vinyl tile flooring and fresh interior paint enhance the open, airy feel throughout. The fully remodeled kitchen (2023) boasts granite countertops, new solid wood cabinets with soft-close drawers, and stainless steel appliances. The primary suite includes a large walk-in closet, access to the rear Florida room, and a beautifully renovated bathroom with dual vanity sinks, granite counters, and a spacious walk-in shower. The guest bathroom has also been tastefully updated in 2023. Enjoy relaxing in the tiled Florida room overlooking the golf course—an ideal spot for morning coffee or evening unwinding. Additional features include a convenient stackable washer and dryer and a newer HVAC system (2017). Residents of the Fairways community enjoy amenities including tennis courts, a clubhouse, and a heated pool, plus water, and internet are included. Offered turnkey and move-in ready, this condo is the perfect full-time residence, vacation getaway, or investment opportunity!
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
912
Sqft
0.02 ac
Lot size
1980
Year built
One
Levels
$196
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 and the real association fee — not generic estimates.
$2,105 /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
$2,105/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.
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.
vs edgeAI estimate
+6.9%
$/sqft vs PALM COAST FAIRWAYS CONDO
$196 vs $189
Days on market
117 vs 52 typical
Where $196/sqft sits among the 6 homes for sale in PALM COAST FAIRWAYS CONDO
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 Harbor
Get to know Palm Coast. See the full Palm Coast guide →
Palm Harbor — neighborhood snapshot
Population
16,621
Median age
57
Median income
$73,524
Median home value
$373,781
Avg household
2
Households w/ children
1,152
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
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
2 of 6
PALM COAST FAIRWAYS CONDO have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 53% below the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 20 MASTERS COURT UNIT 20
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$185,000
4 MASTERS COURT UNIT 4 · same community
2 bd · 2 ba · 950 sqft · $195/sqft · 148 DOM
Sold · Jul ’26$135,000
8 OAKMONT COURT UNIT 8 · same community
2 bd · 2 ba · 950 sqft · $142/sqft · 64 DOM
Sold · Jan ’26$185,500
24 MID PINES CIRCLE UNIT 24 · same community
2 bd · 2 ba · 950 sqft · $195/sqft · 625 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 20 MASTERS COURT UNIT 20 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20 MASTERS COURT UNIT 20 — 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
20 MASTERS COURT UNIT 20 FAQs
What would the monthly payment be for 20 MASTERS COURT UNIT 20?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,105/mo — principal and interest, the actual property-tax bill, the $575/mo association fee 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.
How much are the HOA fees at 20 MASTERS COURT UNIT 20?+
The association fee works out to $575 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20 MASTERS COURT UNIT 20?+
The most recent tax bill on record (2025) was $2,842. 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 20 MASTERS COURT UNIT 20?+
The listing reports pets: Number Limit, Size Limit, Yes. 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 $179,000, this home is listed about 55% below the Palm Coast median of $399,925. The market section on this page shows how the area is trending.
Which schools are assigned to 20 MASTERS COURT UNIT 20?+
Matanzas High School (high), Indian Trails Middle School (middle), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the PALM COAST 32137 market on paper
$179,000 is 53% below the PALM COAST 32137 median of $383,175, and at $196/sqft it sits under the Palm Coast average of $261.
02Know the monthly fee
The association fee is $575/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
117 days on market against a Palm Coast median of 52 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Matanzas High School, Indian Trails Middle School, Old Kings Elementary School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $195,000, now $179,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of YOUR HOME SOLD GUARANTEED REAL · Jesse Warmka. MLS #FC317474.
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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