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Overview

2 bd2 ba1,905 sqft2 car garageSingle Family
TypeSingle Family
HOA$190/mo
Built2023
Lot6,011 sqft
Living area1,905 sqft
Price / sqft$216
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenOpen FloorplanVaulted Ceiling(s)Walk-in Closet(s)PoolDishwasherDisposal

37 Lagoon Way is a 2023-built home in Matanzas Lakes Sub, Palm Coast. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,905 square feet of living space. Listed at $412,000 (about $216/sqft), 104 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $190 monthly.

From the listing

NEW PRICE — NOW $412,000! Discover exceptional value in this beautifully upgraded 2023-built Sea Gate model. Located in the sought-after 55+ gated community of Matanzas Lakes, this 2-bedroom home with a versatile flex room—perfect for an office, den or 3rd bedroom—offers the feel of a like-new home with a peaceful lake view and numerous thoughtful upgrades. The bright, open floor plan features high ceilings, large windows, tunnel skylights, plantation shutters, stylish lighting, ceiling fans, and ceramic tile flooring throughout. The well-appointed kitchen offers generous quartz counter space, a gas range, and quality finishes. Enjoy desirable upgrades including a tankless water heater, epoxy-coated garage floor, custom garage screen, water filtration system, and rust-prevention irrigation treatment system. Outside, a paver driveway, iron fencing, and screened patio overlook the tranquil lake—perfect for morning coffee or relaxing at sunset. Matanzas Lakes offers a wonderful 55+ lifestyle with a community pool, pickleball courts, beautifully landscaped common areas, and a gated setting. With everything already done for you, all that’s left is to move in, make yourself comfortable, and enjoy the easy pace of Florida living.

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The essentials

Built
2023
Price / sqft
$216
On market
104 days
Annual tax
$0
HOA
$190/mo
Flood zone
X · Low risk
Lot
6,011 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Waterfront
Pond
Community pool
Shared amenity
2 car garage
6,011 sqft lot
Lot size

Payment

Est. monthly payment
$3,077/mo
Down payment (20%)
$82,400
Property taxes
$0/mo
HOA
$190/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
6,011 sqft
Cooling
Central Air
Heating
Central, Propane
Parking
-
Waterfront
Pond
Days on Market
104
Ceiling Fans(s)
Eat-in Kitchen
Open Floorplan
Vaulted Ceiling(s)
Walk-in Closet(s)
Pool
Dishwasher
Disposal
Microwave
Range
Refrigerator
Tankless Water Heater
Water Softener
Elementary
Belle Terre Elementary
Middle
Indian Trails Middle-FC
High
Matanzas High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$0
Parcel #
27-10-30-4260-00000-0900

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
Matanzas Lakes Sub
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
6,011 sqft
HOA
$190/mo
Matanzas Lakes HOA

Price history

Date
Event
Price
9/3/2026
Price change
Source: Stellar MLS #FC319655
$412,000-3.0%
$216/sqft
7/1/2026
Listed for sale
Source: Stellar MLS #FC319655
$424,900
$223/sqft

Neighborhood

37 Lagoon Way
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $412,000
$405,000 – $412,000
98.6% – 100% of listTops out right at the list price
80% of listList price
254 of the last 506 home closings in 32137 landed at this number or higher (50%). The median one sat 49 days before it went under contract, and this one is on day 104 after a $12,900 cut.

Sample: 506 closed home sales in 32137 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,077/mo
Principal & interest$2,149
Property taxes$532
Insurance$206
HOA$190
Down payment20% · $82,400
Interest rate6.80%
Loan term

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Property taxes estimated at 1.55% of price a year. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. 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

$412,000

$216 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,905 sq ft

Time on market

104 days

Year built

2023

Monthly payment

About $3,077/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $190/mo HOA fee.

HOA fee

$190/mo

Managed by Matanzas Lakes HOA.

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?

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Brokered bySIMPLY REAL ESTATEListing agent: Francine RuvoListing data from Stellar MLS, MLS# FC319655.

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