
45 LARAMIE DRIVE, PALM COAST, FL, 32137
Active26 days on marketListed Jun 29, 2026MLS #FC319253
About this home
45 LARAMIE DRIVE
Welcome to this custom-built, move-in ready home located in the Matanzas Woods section of Palm Coast. Offering 1,883 square feet of living space, this home features 3 bedrooms, 2 full bathrooms, a split floor plan, and an attached 2-car garage. Built in 2020, this home offers custom features and thoughtful upgrades throughout. As you arrive, you'll immediately notice the stamped circular driveway, mature landscaping, stone accents, and the welcoming covered front entry featuring a red cedar ceiling. Step through the glass front door into the foyer, where you'll find two guest bedrooms and a full guest bathroom on one side of the home, along with a spacious coat closet for additional storage. Continue down the hallway into the open-concept living area, where the living room, dining area, and kitchen come together to create the heart of the home. Luxury wood-look tile flooring runs throughout the main living areas, creating a warm, cohesive feel. The home also features blinds throughout for added privacy and convenience, as well as ceiling fans in every bedroom and the living room. A glass door with built-in blinds provides access to the covered lanai from the living room. The kitchen is centrally located and features granite countertops, upgraded cabinetry, a large center island with additional seating, stainless steel appliances, and a walk-in pantry with custom wood shelving. Just off the kitchen, the inside laundry room includes a utility sink, washer and dryer, and convenient access to the attached garage. The primary suite is privately situated on the opposite side of the home and features direct access to the covered lanai. The spacious bedroom includes a California Closet with custom shelving, while the ensuite bathroom features dual sinks, a soaking tub, and a walk-in shower with a rain shower head. Step outside to the covered lanai overlooking the fully fenced backyard. Beautiful landscaping and fruit trees create a welcoming outdoor setting with plenty of room to relax, entertain, or simply enjoy the Florida lifestyle. Additional features include a one-year-old Bosch A/C system, a 250-gallon whole-home Generac generator, updated fixtures and chandeliers, custom closet shelving throughout the home, nine security cameras, and gutters. Conveniently located near shopping, restaurants, schools, parks, walking and biking trails, and just a short drive to Palm Coast's beautiful beaches, this property also offers the added benefit of no HOA.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,883
Sqft
0.23 ac
Lot size
2
Garage
2020
Year built
One
Levels
$234
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.
$3,354 /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
$3,354/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
+17.7%
$/sqft vs 04 FAIRWAYS
$234 vs $207
Days on market
26 vs 47 typical
Where $234/sqft sits among the 8 homes for sale in 04 FAIRWAYS
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 8
04 FAIRWAYS have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% 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 45 LARAMIE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$400,000
3 LONGVIEW LANE · same community
4 bd · 2 ba · 1,873 sqft · $214/sqft · 86 DOM
Sold · Aug ’25$385,000
11 LYONS PLACE · same community
4 bd · 2 ba · 1,902 sqft · $202/sqft · 100 DOM
Sold · Jun ’26$282,000
5 LARGO PLACE · same community
3 bd · 2.5 ba · 1,941 sqft · $145/sqft · 13 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 45 LARAMIE DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 45 LARAMIE DRIVE — 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
45 LARAMIE DRIVE FAQs
What would the monthly payment be for 45 LARAMIE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,354/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 LARAMIE DRIVE?+
The most recent tax bill on record (2025) was $4,909. 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 $440,000, this home is listed about 11% 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 45 LARAMIE 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 REALTY EXCHANGE, LLC · Brittany Licari. MLS #FC319253.
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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