13 LUDLOW LANE E, PALM COAST, FL, 32137
Active381 days on marketListed Jul 17, 2025MLS #FC311270
About this home
13 LUDLOW LANE E
Beautiful oversized corner lot located in the centrally located Lehigh Woods Subdivision. Conveniently located near schools, shopping, restaurants, medical facilities. You are a short distance to trails in the community if you enjoy walking, jogging or biking. Pickleball courts and golf courses are also close by. Very easy commute north to Historical St. Augustine and Jacksonville, or south to the "World’s Most Famous Beach," Daytona Beach. If you prefer, you can enjoy the day at beautiful Flagler Beach only a few minutes away with a beautiful pier that you can go fishing or just relax and enjoy the day! Palm Coast is a beautiful city with plenty of amenities to enjoy. Choose your builder with no time limit and build your dream home here today!
Facts & features
The home at a glance
0.34 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.
$734 /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
$734/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 Matanzas Woods
Get to know Palm Coast. See the full Palm Coast guide →
Matanzas Woods — neighborhood snapshot
Population
4,251
Median age
43
Median income
$80,188
Median home value
$358,971
Avg household
3
Households w/ children
416
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 78% 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 13 LUDLOW LANE E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$290,000
29 LAMONT LANE · same community
3 bd · 2 ba · 1,273 sqft · $228/sqft · 47 DOM
Sold · Aug ’25$285,000
10 LUTHER DRIVE · same community
3 bd · 2 ba · 1,377 sqft · $207/sqft · 26 DOM
Sold · Jun ’26$360,000
81 LARAMIE DRIVE · same community
3 bd · 2 ba · 1,481 sqft · $243/sqft · 5 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
Gianfranco Di Flumeri Petrelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 13 LUDLOW LANE E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13 LUDLOW LANE E — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13 LUDLOW LANE E FAQs
What would the monthly payment be for 13 LUDLOW LANE E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $734/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 13 LUDLOW LANE E?+
The most recent tax bill on record (2024) was $580. 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 $83,000, this home is listed about 79% 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 13 LUDLOW LANE E?+
Belle Terre Elementary School (elementary), Indian Trails Middle School (middle), Matanzas 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 32137 market on paper
$83,000 is 78% below the PALM COAST 32137 median of $379,995.
02Time on market is leverage
381 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Belle Terre Elementary School, Indian Trails Middle School, Matanzas High School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of JIM OWNBY REALTY, INC. · Ginger Ownby. MLS #FC311270.
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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