David Ramirez
$334,900$344,9003 bd2 ba1,617 sqft$207 /sqft$2,604 /mo all-in ↓

3 LEWIS DRIVE, PALM COAST, FL, 32137

Active39 days on marketListed Jun 16, 2026MLS #O6417497

Priced 12% below the PALM COAST 32137 medianReduced $10KSingle Family Residence04 FAIRWAYS

Come see it

Upcoming open house

Sun, Jul 26

11:30 AM – 2:00 PM

About this home

3 LEWIS DRIVE

Virtually Staged. Welcome to 3 Lewis Drive, a 3-bedroom, 2-bath home offering 1,617 square feet of living space in Palm Coast's Matanzas Woods neighborhood. Inside, you'll find an open and comfortable layout with spacious living areas, abundant natural light, and a design that makes everyday living easy. The home's floor plan provides flexibility for relaxing, entertaining, working from home, or accommodating guests. Step outside to a fully fenced backyard with plenty of space for outdoor activities, pets, gardening and the potential addition of a pool. Major updates include a roof and HVAC system that are approximately six years old. Located near shopping, dining, parks, schools, and I-95, this property provides convenient access throughout Palm Coast and the surrounding area. 3 Lewis Drive is available for sale and ready for its next owner.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,617

Sqft

0.25 ac

Lot size

2

Garage

2004

Year built

One

Levels

$207

Per sqft

Pets allowed

Inside

FlooringTile · Vinyl
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryInside
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesEast
ExteriorHurricane Shutters · Irrigation System · Rain Gutters

Community & fees

Taxes (2025)$3,896/yr
PetsYes

Utilities & systems

UtilitiesCable Available · 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.

$2,604 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,972
FHA mortgage insurance (est.)$148
Property tax — 2025 actual bill$325
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,722Loan30-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% · $11,722
Interest rate6.00%
Loan term

Estimated payment

$2,604/mo

Principal & interest$1,972
FHA mortgage insurance (est.)$148
Property taxes (actual bill)$325
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 $335K
$280KedgeAI estimate $302,258 · range $291K$334K$348K

vs edgeAI estimate

+10.8%

$/sqft vs 04 FAIRWAYS

$207 vs $212

Days on market

39 vs 47 typical

Where $207/sqft sits among the 8 homes for sale in 04 FAIRWAYS

3
2 · this home
2
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 3 LEWIS 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)

3 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 12% below the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

CurrentPrice reduced to $334,900 $10K
Jun 16, 2026Listed at $344,900 · 39 days on market since
2004Built · 04 FAIRWAYS

Reality check

What actually sold near 3 LEWIS DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

37 LANCASTER LANESold · Oct ’25

$335,000

37 LANCASTER LANE · same community

4 bd · 2 ba · 1,654 sqft · $203/sqft · 56 DOM

56 LOUISVILLE DRIVESold · Nov ’25

$360,000

56 LOUISVILLE DRIVE · same community

3 bd · 2 ba · 1,680 sqft · $214/sqft · 4 DOM

81 LARAMIE DRIVESold · Jun ’26

$360,000

81 LARAMIE DRIVE · same community

3 bd · 2 ba · 1,481 sqft · $243/sqft · 5 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 3 LEWIS 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 3 LEWIS 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

3 LEWIS DRIVE FAQs

What would the monthly payment be for 3 LEWIS DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,604/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 3 LEWIS DRIVE?+

The most recent tax bill on record (2025) was $3,896. 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 3 LEWIS DRIVE?+

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 $334,900, this home is listed about 15% below the Palm Coast median of $395,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3 LEWIS 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.

The brief

Three things that matter here

01Under the PALM COAST 32137 market on paper

$334,900 is 12% below the PALM COAST 32137 median of $379,990, and at $207/sqft it sits under the Palm Coast average of $257.

02Strong 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.

03The price has already moved

Listed at $344,900, now $334,900 — a $10K cut. The full history is in the market section below.

Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6417497.

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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