31 RUTH DRIVE, PALM COAST, FL, 32164
Active15 days on marketListed Sep 25, 2026MLS #A4707434
About this home
31 RUTH DRIVE
This 3-bedroom, 1-bath block home offers 1,000 sq ft of living space on a 0.23-acre lot. The functional layout features a kitchen with a resurfaced countertop, stainless steel sink, new dishwasher and garbage disposal, along with a dining area and comfortable living room. Three bedrooms provide flexible living space, including a spacious 12x15 primary bedroom. The bathroom has been refreshed with a reconditioned tub and shower, and the home also offers a dedicated laundry area. Outside, the property features a new concrete driveway and durable stucco exterior. The roof was replaced in 2011 and features hurricane tie-downs and an interior rubber barrier, with a wind mitigation inspection completed approximately two years ago. Recent improvements include the new driveway, dishwasher, garbage disposal, resurfaced kitchen counter and updated tub and shower. The property offers a practical layout, recent improvements and a well-maintained exterior in a desirable Palm Coast setting.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,000
Sqft
0.23 ac
Lot size
2
Garage
1994
Year built
One
Levels
$215
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.
$1,547 /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
$1,547/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
−3.4%
$/sqft vs PALM COAST SEC 32
$215 vs $199
Days on market
15 vs 73 typical
Where $215/sqft sits among the 27 homes for sale in PALM COAST SEC 32
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 Lehigh Woods
Get to know Palm Coast. See the full Palm Coast guide →
Lehigh Woods — neighborhood snapshot
Population
13,339
Median age
44
Median income
$69,773
Median home value
$292,425
Avg household
3
Households w/ children
1,584
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 → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
15 of 27
PALM COAST SEC 32 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 36% 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 31 RUTH DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$200,000
55 ROLLING SANDS DRIVE · same community
3 bd · 2 ba · 1,152 sqft · $174/sqft · 23 DOM
Sold · May ’26$290,000
19 RUTH DRIVE · same community
3 bd · 2 ba · 1,243 sqft · $233/sqft · 169 DOM
Sold · Mar ’26$286,000
21 ROCKEFELLER DRIVE · same community
4 bd · 2 ba · 1,480 sqft · $193/sqft · 152 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 31 RUTH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 31 RUTH DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
31 RUTH DRIVE FAQs
What would the monthly payment be for 31 RUTH DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,547/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 31 RUTH DRIVE?+
The most recent tax bill on record (2025) was $347. 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 $214,500, this home is listed about 45% below the Palm Coast median of $389,990. The market section on this page shows how the area is trending.
Which schools are assigned to 31 RUTH DRIVE?+
Rymfire Elementary School (elementary), Buddy Taylor Middle School (middle), Flagler-Palm Coast High School (high) — 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
$214,500 is 36% below the PALM COAST 32164 median of $334,999, and at $215/sqft it sits under the Palm Coast average of $254.
02Garden & Trees/Woods views
The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $229,000, now $214,500 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of JOSEPH WALTER REALTY LLC · Scott Fader. MLS #A4707434.
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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