3 LAKE CHARLES PLACE, PALM COAST, FL, 32137
Active139 days on marketListed Mar 24, 2026MLS #FC317117
About this home
3 LAKE CHARLES PLACE
Welcome to 3 Lake Charles Place, a beautifully maintained Florida Contemporary home with Mediterranean-inspired architecture, ideally situated on a quiet cul-de-sac in the highly sought-after Matanzas Woods community. Featuring an arched entryway, stucco exterior, and warm coastal tones, this home offers timeless curb appeal with modern functionality, all within an easy commute to St. Augustine. Step inside to appreciate the quality craftsmanship and attention to detail, including oversized baseboards, crown molding, coffered and tray ceilings, recessed lighting, and beautiful natural travertine stone flooring throughout. Durable, elegant, and naturally cool underfoot, the travertine provides the perfect finish for Florida living. The well-appointed kitchen features rich wood cabinetry, granite countertops, and ample workspace, making it ideal for both everyday living and entertaining. This home offers 3 bedrooms and 2 bathrooms, including a spacious primary suite designed for comfort and privacy. The owner's retreat features a large walk-in closet, while the ensuite bath includes dual vanities, a tiled walk-in shower, and a private water closet. Enjoy seamless indoor-outdoor living through the 8-foot, three-panel pocket sliding glass doors that fully open to a spacious covered lanai, creating the perfect setting for relaxing or entertaining year-round. Additional features include an irrigation system, coach lighting, mature landscaping, gutters, a spacious laundry room with utility sink, finished garage floor, garage door opener, whole-house water softener and filtration system, custom storage shed, tiled showers, and quality finishes throughout. Matanzas Woods offers a peaceful residential setting while keeping you close to everything. Enjoy approximately a 15-20 minute drive to Flagler Beach, convenient access to St. Augustine, and close proximity to parks, walking trails, shopping, dining, and top-rated Flagler County schools. With its Mediterranean-inspired design, natural travertine flooring, spacious primary suite, architectural ceiling details, and numerous upgrades, this home offers an exceptional combination of style, comfort, and value. The quiet cul-de-sac location, expansive covered lanai, and custom storage shed add even more functionality to this move-in-ready property. **Seller Disclosure:** The seller discloses that the property previously experienced foundation settling. The repairs were completed professionally by a licensed contractor and are backed by a transferable lifetime warranty. Documentation is available upon request.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,853
Sqft
0.23 ac
Lot size
2
Garage
2017
Year built
One
Levels
$188
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.
$2,849 /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
$2,849/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
−2%
$/sqft vs Palm Coast actives
$188 vs $222
Days on market
139 vs 49 typical
Where $188/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 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
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
194 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 8% 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 3 LAKE CHARLES PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$435,000
23 LAMAR LANE
3 bd · 2.5 ba · 1,859 sqft · $234/sqft · 1 DOM
Sold · Feb ’26$349,990
21 LUTHER DRIVE
4 bd · 2 ba · 1,862 sqft · $188/sqft · 48 DOM
Sold · Jun ’26$399,000
27 LYNDENHURST LANE
4 bd · 2 ba · 1,836 sqft · $217/sqft · 18 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 3 LAKE CHARLES PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3 LAKE CHARLES PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3 LAKE CHARLES PLACE FAQs
What would the monthly payment be for 3 LAKE CHARLES PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,849/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 3 LAKE CHARLES PLACE?+
The most recent tax bill on record (2025) was $5,767. 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 $349,000, this home is listed about 13% below the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3 LAKE CHARLES PLACE?+
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
Four things that matter here
01Under the PALM COAST 32137 market on paper
$349,000 is 8% below the PALM COAST 32137 median of $381,175, and at $188/sqft it sits under the Palm Coast average of $258.
02Time on market is leverage
139 days on market against a Palm Coast median of 49 — 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.
04The price has already moved
Listed at $365,000, now $349,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA BEACHES REAL ESTATE · P. Jordan Farrell. MLS #FC317117.
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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