4 LAKE CHARLES PLACE, PALM COAST, FL, 32137
Active143 days on marketListed Mar 6, 2026MLS #FC316619
About this home
4 LAKE CHARLES PLACE
Virtually Staged. CUSTOM BUILT CENTEX HOME_ 10' ceilings downstairs, Spectacular concrete block two-story home offering 5 bedrooms, 2.5 bathrooms, and over 3,100 square feet of living space. Freshly painted inside and truly move-in ready, this spacious home is designed for comfortable living and effortless entertaining. Step inside and enjoy the open layout featuring an oversized family room and a well-appointed kitchen with a large counter-height bar overlooking the living space—perfect for gathering with family and friends. Natural light fills the home and highlights beautiful views of the sparkling blue pool and fully fenced backyard. All bedrooms are very spacious, offering plenty of room for family, guests, or flexible use. Upstairs you’ll find a versatile loft area that can easily serve as a second living room, game room, office, or media space—giving you endless options to suit your lifestyle. The spacious primary suite offers a relaxing retreat with dual sinks, a soaking tub, and a separate walk-in shower. The laundry room includes built-in cabinets and cubbies for extra storage and organization. Step outside to the oversized rear patio which is extended for the full length of the back of the home where entertaining comes easy with a summer kitchen and bar—perfect for mixing margaritas while enjoying the Florida sunshine and poolside living. This property also features a three-car garage two of which are extended in length with plenty of room for vehicles, storage, or recreational toys. The driveway will accomodate up to nine cars. OVERSIZED GARAGE (32X25) Priced aggressively, this is an incredible value for a pool home of this size. Conveniently located just 15 minutes from Flagler Beach and close to shopping, schools, and easy access to the interstate. With no HOA and no CDD fees, this property also offers excellent potential as a vacation rental or Airbnb investment. THis home is located on a cul de sac with no thru traffic and in a highly regarded school district. Schedule your showing today and take advantage of this amazing opportunity. SO MANY FEATURES, ALARM AND MORE!
Facts & features
The home at a glance
5
Bedrooms
2.5
Bathrooms
3,106
Sqft
0.23 ac
Lot size
3
Garage
2003
Year built
Two
Levels
$161
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.
$3,592 /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
$3,592/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
+0.1%
$/sqft vs MATANZAS WOODS
$161 vs $195
Days on market
143 vs 47 typical
Where $161/sqft sits among the 9 homes for sale in MATANZAS WOODS
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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
4 of 9
MATANZAS WOODS have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 31% 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 4 LAKE CHARLES PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$469,000
14 LAKE PLACE · same community
4 bd · 3 ba · 2,764 sqft · $170/sqft · 108 DOM
Sold · May ’26$565,000
8 LEWIS SHIRE · same community
6 bd · 4 ba · 3,468 sqft · $163/sqft · 193 DOM
Sold · Jan ’26$625,000
15 LAKE PLACID LANE · same community
4 bd · 3 ba · 2,552 sqft · $245/sqft · 35 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4 LAKE CHARLES PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4 LAKE CHARLES PLACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4 LAKE CHARLES PLACE FAQs
What would the monthly payment be for 4 LAKE CHARLES PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,592/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 4 LAKE CHARLES PLACE?+
The most recent tax bill on record (2025) was $3,286. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Coast?+
At $499,000, this home is listed about 26% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4 LAKE CHARLES PLACE?+
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
Five things that matter here
01Positioned at the premium end
$499,000 runs 31% above the PALM COAST 32137 median — but at 3,106 sqft it's also 65% larger than the typical Palm Coast listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
143 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $589,000, now $499,000 — a $90K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY EXCHANGE, LLC · Julie Sabine. MLS #FC316619.
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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