Colleen Brown
$385,0003 bd2 ba1,832 sqft$210 /sqft$2,869 /mo all-in ↓

29 LUDLOW LANE E, PALM COAST, FL, 32137

Active0 days on marketListed Aug 7, 2026MLS #FC320515

Single Family ResidenceMATANZAS WOODS

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

Pets allowed

Inside

FlooringCarpet · Tile
AppliancesCooktop · Dishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Split Bedroom · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Washer Hookup
CoolingCentral Air
HeatingCentral · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesEast
ParkingGarage Door Opener
ExteriorCourtyard · Irrigation System · Lighting · Private Yard · Rain Gutters

Community & fees

Taxes (2025)$3,267/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Phone Available · Public · Sewer Connected · Water Connected
WaterPublic · Well

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%

Principal & interest$2,266
FHA mortgage insurance (est.)$170
Property tax — 2025 actual bill$272
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,475Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,475
Interest rate6.00%
Loan term

Estimated payment

$2,869/mo

Principal & interest$2,266
FHA mortgage insurance (est.)$170
Property taxes (actual bill)$272
Est. insurance$160

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.

List $385K
$329KedgeAI estimate $364,768 · range $343K$392K$408K

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

Map of 29 LUDLOW LANE E inside its neighborhood boundary

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

ElementaryBelle Terre Elementary School★★★★★
MiddleIndian Trails Middle School★★★★★
HighMatanzas High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketLeans seller4.6 months of inventoryBuyer’s 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

Aug 7, 2026Listed at $385,000 · 0 days on market since
2019Built · MATANZAS WOODS

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.

Colleen Brown

Your agent

Colleen Brown

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 29 LUDLOW LANE E — start here.

Andrew Acosta

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.

By checking this box, I agree that CENTURY 21 Edge and my agent may call and text me — including by automated means and prerecorded or artificial voice — at any phone number I provide, about my inquiry and the services provided to me, and that calls with CENTURY 21 Edge are recorded. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

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.

Never miss a listing

New Palm Coast homes, in your inbox

Like 29 LUDLOW LANE E but not quite? A daily digest of every new listing in Palm Coast — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Colleen to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 7, 2026 at 7:34 PM UTC. The listing information on this page last changed on August 7, 2026 at 7:34 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 7, 2026 at 7:34 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 7, 2026 at 7:34 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.