David Ramirez
$440,0003 bd2 ba1,883 sqft$234 /sqft$3,354 /mo all-in ↓

45 LARAMIE DRIVE, PALM COAST, FL, 32137

Active26 days on marketListed Jun 29, 2026MLS #FC319253

Single Family Residence04 FAIRWAYS

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

FlooringCarpet · Tile
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan · Solid Surface Counters · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesEast
ExteriorRain Gutters

Community & fees

Taxes (2025)$4,909/yr

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water Connected
WaterPublic

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%

Principal & interest$2,590
FHA mortgage insurance (est.)$195
Property tax — 2025 actual bill$409
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,400Loan30-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% · $15,400
Interest rate6.00%
Loan term

Estimated payment

$3,354/mo

Principal & interest$2,590
FHA mortgage insurance (est.)$195
Property taxes (actual bill)$409
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 $440K
$349KedgeAI estimate $373,761 · range $363K$399K$458K

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

3
3
1 · this home
0
0
1
$178–199$199–219$219–240$240–261$261–281$281+

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 45 LARAMIE DRIVE 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 marketBalanced5.8 months of inventoryBuyer’s 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

Jun 29, 2026Listed at $440,000 · 26 days on market since
2020Built · 04 FAIRWAYS

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.

3 LONGVIEW LANESold · Jul ’26

$400,000

3 LONGVIEW LANE · same community

4 bd · 2 ba · 1,873 sqft · $214/sqft · 86 DOM

11 LYONS PLACESold · Aug ’25

$385,000

11 LYONS PLACE · same community

4 bd · 2 ba · 1,902 sqft · $202/sqft · 100 DOM

5 LARGO PLACESold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 45 LARAMIE DRIVE — start here.

Andrew Acosta

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.

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.

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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