55 MATANZAS LAKES DRIVE, PALM COAST, FL, 32137
Active8 days on marketListed Oct 17, 2026MLS #FC322076
About this home
55 MATANZAS LAKES DRIVE
Virtually Staged. Your Next Chapter Starts Here! Morning coffee on the covered front porch. Dinner sizzling on the grill, followed by an evening outside on the extended patio. And when you're ready to get out and enjoy the day, a gated community with amenities just beyond your front door. At 55 Matanzas Lakes Drive, home is about more than four walls—it's about enjoying the lifestyle you've worked toward. Built in 2022 by local builder SeaGate Homes, this concrete-block residence offers 1,624 square feet of light-filled living space, with three bedrooms, two bathrooms, and a two-car garage. Ceramic tile flooring runs throughout the main living areas, while carpeted bedrooms provide a comfortable place to unwind. The outdoor space is a standout. Step through the screened lanai to an extended concrete patio with room to grill, entertain, or simply enjoy Florida's outdoor living. The fully fenced backyard adds privacy and flexibility, whether you're hosting friends, spending time with family, or enjoying a quiet afternoon at home. Out front, the brick-paver driveway and covered porch create a welcoming first impression. Matanzas Lakes is a gated 55+ community featuring two gated entrances, sidewalks, underground utilities, a community pool, pickleball courts, and additional amenities designed to make it easy to stay active and connected. If you've been looking for a newer Palm Coast home that combines low-maintenance living, inviting outdoor space, and community amenities, come see how good your next chapter looks here!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,624
Sqft
0.14 ac
Lot size
2022
Year built
One
Levels
$237
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.
$3,503 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,503/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+21.6%
$/sqft vs Palm Coast actives
$237 vs $210
Days on market
8 vs 65 typical
Where $237/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)
185 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 1% 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 55 MATANZAS LAKES DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$350,000
34 LAGOON WAY · same community
2 bd · 2 ba · 1,633 sqft · $214/sqft · 20 DOM
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
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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 55 MATANZAS LAKES DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 55 MATANZAS LAKES DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
55 MATANZAS LAKES DRIVE FAQs
What would the monthly payment be for 55 MATANZAS LAKES DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,503/mo — principal and interest, the actual property-tax bill, 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 55 MATANZAS LAKES DRIVE?+
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 55 MATANZAS LAKES DRIVE?+
The most recent tax bill on record (2025) was $4,135. 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 55 MATANZAS LAKES 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 $384,350, this home is listed about 1% below the Palm Coast median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 55 MATANZAS LAKES DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of PALM GROUP REALTY LLC · Lucy Eich. MLS #FC322076.
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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