37 LAGOON WAY, PALM COAST, FL, 32137
Active101 days on marketListed Jul 1, 2026MLS #FC319655
About this home
37 LAGOON WAY
NEW PRICE — NOW $412,000! Discover exceptional value in this beautifully upgraded 2023-built Sea Gate model. Located in the sought-after 55+ gated community of Matanzas Lakes, this 2-bedroom home with a versatile flex room—perfect for an office, den or 3rd bedroom—offers the feel of a like-new home with a peaceful lake view and numerous thoughtful upgrades. The bright, open floor plan features high ceilings, large windows, tunnel skylights, plantation shutters, stylish lighting, ceiling fans, and ceramic tile flooring throughout. The well-appointed kitchen offers generous quartz counter space, a gas range, and quality finishes. Enjoy desirable upgrades including a tankless water heater, epoxy-coated garage floor, custom garage screen, water filtration system, and rust-prevention irrigation treatment system. Outside, a paver driveway, iron fencing, and screened patio overlook the tranquil lake—perfect for morning coffee or relaxing at sunset. Matanzas Lakes offers a wonderful 55+ lifestyle with a community pool, pickleball courts, beautifully landscaped common areas, and a gated setting. With everything already done for you, all that’s left is to move in, make yourself comfortable, and enjoy the easy pace of Florida living.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,905
Sqft
0.14 ac
Lot size
2
Garage
2023
Year built
One
Levels
$216
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.
$2,958 /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
$3,335/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
+3.2%
$/sqft vs Palm Coast actives
$216 vs $215
Days on market
101 vs 73 typical
Where $216/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)
204 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% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 37 LAGOON WAY
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$425,000
21 TIDEWAY TRAIL · same community
3 bd · 2 ba · 1,905 sqft · $223/sqft · 63 DOM
Sold · Mar ’26$427,500
11 TIDEWAY TRAIL · same community
3 bd · 2 ba · 1,905 sqft · $224/sqft · 198 DOM
Sold · Feb ’26$385,000
29 LAGOON WAY · same community
2 bd · 2 ba · 1,905 sqft · $202/sqft · 199 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
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 37 LAGOON WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 37 LAGOON WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
37 LAGOON WAY FAQs
What would the monthly payment be for 37 LAGOON WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,958/mo — principal and interest, estimated property taxes, the $190/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 37 LAGOON WAY?+
The association fee works out to $190 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 37 LAGOON WAY?+
The most recent tax bill on record (2025) was $0. 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 37 LAGOON WAY?+
The listing reports pets: 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 $412,000, this home is listed about 6% above the Palm Coast median of $389,990. The market section on this page shows how the area is trending.
Which schools are assigned to 37 LAGOON WAY?+
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
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Strong 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.
03The price has already moved
Listed at $424,900, now $412,000 — a $13K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SIMPLY REAL ESTATE · Francine Ruvo. MLS #FC319655.
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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