38 VISTA GARDENS TRAIL UNIT 207, VERO BEACH, FL, 32962
Active291 days on marketListed Oct 22, 2025MLS #O6354593
About this home
38 VISTA GARDENS TRAIL UNIT 207
Step into a welcoming 2/2 condo in the well-established Vista Gardens Community for some fine Florida living! A lifestyle of mature landscaping, pools, clubhouses, fitness, tennis & golf membership available. Minutes from beaches, dining, shopping & medical facilities, & easy access to US-1 puts you close to everything. Open concept living w/abundant natural light, updated kitchen & floors. This home combines the comfort of a serene 55+ community w/ the freedom of a lock-and -leave lifestyle. Ideal for seasonal residents, retirees, or anyone looking to enjoy coastal living without the upkeep!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,000
Sqft
60.46 ac
Lot size
1983
Year built
One
Levels
$148
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.
$1,833 /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
$1,833/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.
$/sqft vs Vero Beach actives
$148 vs $249
Days on market
291 vs 58 typical
Where $148/sqft sits among the 400 Vero Beach 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 Vista Gardens
Get to know Vero Beach. See the full Vero Beach guide →
Vista Gardens — neighborhood snapshot
Population
652
Median age
73
Median income
$50,481
Median home value
$232,000
Avg household
2
For the school run
Indian River County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Vero Beach market
$441K → $385K
Vero Beach median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
48 of 400
Vero Beach actives have cut their price
Median sold price, Vero Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% below the VERO BEACH 32962 median. See the full Vero Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 38 VISTA GARDENS TRAIL UNIT 207
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$95,000
7 VISTA GARDENS TRAIL UNIT 105 · same community
1 bd · 1.5 ba · 750 sqft · $127/sqft · 109 DOM
Sold · Jun ’26$115,000
7 VISTA GARDENS TRAIL UNIT 105 · same community
1 bd · 2 ba · 750 sqft · $153/sqft · 89 DOM
Sold · Oct ’25$95,000
28 PINE ARBOR LANE UNIT 206
2 bd · 2 ba · 1,000 sqft · $95/sqft · 315 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 38 VISTA GARDENS TRAIL UNIT 207 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38 VISTA GARDENS TRAIL UNIT 207 — 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
38 VISTA GARDENS TRAIL UNIT 207 FAQs
What would the monthly payment be for 38 VISTA GARDENS TRAIL UNIT 207?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,833/mo — principal and interest, the actual property-tax bill, the $696/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 38 VISTA GARDENS TRAIL UNIT 207?+
The association fee works out to $696 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 38 VISTA GARDENS TRAIL UNIT 207?+
The most recent tax bill on record (2024) was $484. 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 38 VISTA GARDENS TRAIL UNIT 207?+
The listing reports pets: No. 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 Vero Beach?+
At $148,000, this home is listed about 67% below the Vero Beach median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 38 VISTA GARDENS TRAIL UNIT 207?+
Vero Beach Elementary School (elementary), Oslo Middle School (middle), Vero Beach High School (high) — Indian River County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the VERO BEACH 32962 market on paper
$148,000 is 15% below the VERO BEACH 32962 median of $173,250, and at $148/sqft it sits under the Vero Beach average of $360.
02Know the monthly fee
The association fee is $696/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
291 days on market against a Vero Beach median of 58 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $170,000, now $148,000 — a $22K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXIT RIGHT REALTY · Rob MacCallum. MLS #O6354593.
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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