
29 LUDLOW LANE E, PALM COAST, FL, 32137
Active0 days on marketListed Aug 7, 2026MLS #FC320515
Come see it
Upcoming open house
Sun, Aug 9
1:00 PM – 3:00 PM
About this home
29 LUDLOW LANE E
Prepare to be impressed by this extraordinary Captiva II by the highly respected SeaGate Homes, where exceptional craftsmanship meets THOUSANDS in owner enhancements designed to elevate everyday living. Constructed of durable concrete block and showcasing one of SeaGate's most sought-after floor plans, this meticulously maintained residence offers soaring 10-foot ceilings, an open-concept design, and a level of care that is immediately evident. The curb appeal is nothing short of exceptional. Extensive professional landscaping transforms the front, side, and rear yards into a lush, tropical setting, while a beautifully designed walkway leads to the fully vinyl-fenced backyard, creating both privacy and an inviting outdoor retreat. This is a nearly $50,000 upgrade alone! Inside, the spacious great room flows effortlessly into the beautifully appointed kitchen. The oversized center island with sink & seating serves as the heart of the home, complemented by an eye-catching designer backsplash, abundant cabinetry, generous workspace, and a walk-in pantry. Whether hosting friends or enjoying a quiet evening at home, this layout was thoughtfully designed. The spacious privately situated owner's suite provides a peaceful escape with a large walk-in shower, dual vanities, and an oversized walk-in closet, while the split-bedroom floor plan offers comfort & privacy for family and guests alike. Step outside and discover what truly sets this property apart. An expansive tiled, screened lanai extends from the enclosed Florida room, creating an incredible indoor-outdoor living experience. Relax in the included three-person spa, entertain with the included patio furnishings, or simply enjoy the peaceful surroundings of your own backyard sanctuary. Need space for hobbies, projects, or extra storage? The detached workshop/man cave is equipped with electricity and offers endless possibilities. The oversized 2-car garage with epoxy floors provides abundant room for vehicles, and a little workshop area, while the added garage screen allows fresh Florida breezes to flow through while keeping unwanted insects out. A screened front entry creates an additional welcoming outdoor living space while offering a convenient, protected area for greeting guests and securing package deliveries. Built in late 2019, this home offers the added confidence of newer construction, with all major systems still in excellent condition for years of worry-free living. And NO HOA fees! Not to mention a well for your irrigation system to save you lots of $$. Also connected to the hose. Every inch of this home reflects exceptional pride of ownership. Immaculately maintained, thoughtfully upgraded, and move-in ready, this is far more than a beautiful home. Opportunities like this are rare, combining SeaGate's renowned quality construction with extensive custom enhancements that would be difficult and costly to replicate today. This is the kind of property buyers wait for where quality, comfort, location, and thoughtful upgrades come together to create something truly special. Perfectly positioned in the L Section Matanzas Woods, it's offering convenient access to St. Augustine, I-95, shopping, dining, medical facilities, parks and just a short drive to Flagler Beach, this Palm Coast home combines everyday convenience with the Florida lifestyle. Whether you're searching for a primary residence or a seasonal getaway, this exceptional home is ready for you!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,832
Sqft
0.23 ac
Lot size
2
Garage
2019
Year built
One
Levels
$210
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.
$2,869 /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
$2,869/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
+5.5%
Days on market
0 vs 50 typical
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 29 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 29 LUDLOW LANE E — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Colleen's phone and CRM.
Straight answers
29 LUDLOW LANE E FAQs
What would the monthly payment be for 29 LUDLOW LANE E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,869/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 29 LUDLOW LANE E?+
The most recent tax bill on record (2025) was $3,267. 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 29 LUDLOW LANE E?+
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 $385,000, this home is listed about 4% 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 29 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.
Listing courtesy of KELLER WILLIAMS RLTY FL. PARTN · BJ Patton. MLS #FC320515.
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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