37 Ludlow Ln W, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot12,937 sqft

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About this home

37 Ludlow Ln W is a home in 04 Fairways, Palm Coast. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Imagine a homesite that’s simply impossible to ignore, framed by a picturesque lake on one side and a freshwater canal on the other, offering a rare sense of openness, light, and natural beauty; this is the kind of place that makes you pause, take a breath, and instantly feel — this is it, with peaceful water views, privacy, and an atmosphere that defines true Florida living; an ideal setting to build your dream home with expansive windows, a stunning outdoor living space, and mornings that begin with coffee overlooking the water; opportunities like this are rare and always in demand; the location adds even more appeal with convenient access to major roads, shopping, and dining, while maintaining a sense of tranquility and space; nearby schools are well-regarded, making this an excellent option for a primary residence or investment; a unique blend of waterfront lifestyle, location, and potential — the kind of property that captures attention the moment you see it.

The essentials

On market
210 days
Annual tax
$696
Flood zone
X · Low risk
Lot
12,937 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$858/mo
Down payment (20%)
$27,980
Property taxes
$58/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
12,937 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
210
Flood Zone X
Annual Tax (2025)
$696
Parcel #
07-11-31-7037-00060-0050

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
04 Fairways
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
12,937 sqft

Price history

Date
Event
Price
3/20/2026
Listed for sale
Source: Stellar MLS #FC317149
$139,900

Neighborhood

37 Ludlow Ln W
Palm Coast, FL, 32137 · 32137 - Palm Coast

Calculator

Est. monthly payment
$858/mo
Principal & interest$730
Property taxes$58
Insurance$70
Down payment20% · $27,980
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

$139,900

Time on market

210 days

Monthly payment

About $858/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $696 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.

Have another question?

Brokered byAPEX REALTY LLCListing agent: Elena TchoumakovaListing data from Stellar MLS, MLS# FC317149.

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