45 LUTHER DRIVE, PALM COAST, FL, 32137
Active5 days on marketListed Aug 24, 2026MLS #FC320778
About this home
45 LUTHER DRIVE
Welcome to one of the most picturesque lakefront settings in Palm Coast! This exceptional oversized lot offers a peaceful, secluded atmosphere surrounded by beautiful, well-maintained homes. NO HOA FEES! Build your dream Florida home and enjoy relaxing back-porch living, natural lake views, and spectacular sunsets. Located in the desirable Matanzas Woods subdivision, one of the closest areas of Palm Coast to St. Augustine, and conveniently located near shopping, schools, golf courses, and Flagler Beach. Don’t miss this unique opportunity!
Facts & features
The home at a glance
0.24 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.
$1,152 /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
$1,152/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
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 63% 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 45 LUTHER DRIVE
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 ’26$229,900
229 LONDON DRIVE · same community
3 bd · 2 ba · 1,293 sqft · $178/sqft · 293 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
Jillian Kobylesky
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 45 LUTHER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 45 LUTHER DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
45 LUTHER DRIVE FAQs
What would the monthly payment be for 45 LUTHER DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,152/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 45 LUTHER DRIVE?+
The most recent tax bill on record (2025) was $1,272. 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 45 LUTHER DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $140,000, this home is listed about 65% below the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 45 LUTHER DRIVE?+
Belle Terre Elementary School (elementary), Matanzas High School (high), Indian Trails Middle School (middle) — 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
$140,000 is 63% below the PALM COAST 32137 median of $375,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 5 days on market in a Palm Coast market that averages 48 — if it fits, move quickly.
04Strong assigned schools
Belle Terre Elementary School, Matanzas High School, Indian Trails Middle School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of APEX REALTY LLC · Elena Tchoumakova. MLS #FC320778.
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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