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Overview

3 bd1 ba1,000 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1994
Lot10,019 sqft
Living area1,000 sqft
Price / sqft$215
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Wood CabinetsRain GuttersDishwasher

31 Ruth Dr is a 1994-built home in Palm Coast Sec 32, Palm Coast. Inside you'll find 3 bedrooms, 1 bathrooms, and 1,000 square feet of living space. Listed at $214,500 (about $215/sqft), 16 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

This 3-bedroom, 1-bath block home offers 1,000 sq ft of living space on a 0.23-acre lot. The functional layout features a kitchen with a resurfaced countertop, stainless steel sink, new dishwasher and garbage disposal, along with a dining area and comfortable living room. Three bedrooms provide flexible living space, including a spacious 12x15 primary bedroom. The bathroom has been refreshed with a reconditioned tub and shower, and the home also offers a dedicated laundry area. Outside, the property features a new concrete driveway and durable stucco exterior. The roof was replaced in 2011 and features hurricane tie-downs and an interior rubber barrier, with a wind mitigation inspection completed approximately two years ago. Recent improvements include the new driveway, dishwasher, garbage disposal, resurfaced kitchen counter and updated tub and shower. The property offers a practical layout, recent improvements and a well-maintained exterior in a desirable Palm Coast setting.

The essentials

Built
1994
Price / sqft
$215
On market
16 days
Annual tax
$347
Flood zone
X · Low risk
Lot
10,019 sqft
Type
Single Family Residence

At a glance

Single family
Built 1994
2 car garage
10,019 sqft lot
Lot size
1,000 sqft
Living area

Payment

Est. monthly payment
$1,255/mo
Down payment (20%)
$42,900
Property taxes
$29/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1994
Lot
10,019 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
-
Days on Market
16
Ceiling Fans(s)
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Rain Gutters
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$347
Parcel #
07-11-31-7032-00140-0320

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Palm Coast Sec 32
County
Flagler
MLS Area
32164 - Palm Coast
Lot Size
10,019 sqft
ClearedCity LimitsLandscapedLevelPaved

Price history

Date
Event
Price
10/9/2026
Price change
Source: Stellar MLS #A4707434
$214,500-6.3%
$215/sqft
9/25/2026
Listed for sale
Source: Stellar MLS #A4707434
$229,000
$229/sqft

Neighborhood

31 Ruth Dr
Palm Coast, FL, 32164 · 32164 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $214,500
$214,500
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 597 home closings in 32164 landed at this number or higher (51%). The median one sat 48 days before it went under contract, and this one is on day 16 after a $14,500 cut.

Sample: 597 closed home sales in 32164 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,255/mo
Principal & interest$1,119
Property taxes$29
Insurance$107
Down payment20% · $42,900
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$214,500

$215 per sq ft

Beds and baths

3 beds, 1 baths

Size

1,000 sq ft

Time on market

16 days

Year built

1994

Monthly payment

About $1,255/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $347 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byJOSEPH WALTER REALTY LLCListing agent: Scott FaderListing data from Stellar MLS, MLS# A4707434.

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