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Overview

0 baLand
TypeLand
HOANone listed
Lot10,280 sqft

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About this home

45 Luther Dr is a home in 04 Fairways, Palm Coast. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Welcome to one of the most picturesque lakefront settings in Palm Coast! This exceptional oversized lot offers a peaceful, secluded atmosphere surrounded by beautiful, well-maintained homes. NO HOA FEES! Build your dream Florida home and enjoy relaxing back-porch living, natural lake views, and spectacular sunsets. Located in the desirable Matanzas Woods subdivision, one of the closest areas of Palm Coast to St. Augustine, and conveniently located near shopping, schools, golf courses, and Flagler Beach. Don’t miss this unique opportunity!

The essentials

On market
49 days
Annual tax
$1,272
Flood zone
X · Low risk
Lot
10,280 sqft
Type
Land

At a glance

Land
Waterfront
Canal - Freshwater
10,280 sqft lot
Lot size

Payment

Est. monthly payment
$906/mo
Down payment (20%)
$28,000
Property taxes
$106/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
10,280 sqft
Cooling
-
Heating
-
Parking
-
Waterfront
Canal - Freshwater
Days on Market
49
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.

Flood Zone X
Annual Tax (2025)
$1,272
Parcel #
07-11-31-7037-00070-0060

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
10,280 sqft

Price history

Date
Event
Price
8/24/2026
Listed for sale
Source: Stellar MLS #FC320778
$140,000

Neighborhood

45 Luther Dr
Palm Coast, FL, 32137 · 32137 - Palm Coast

Calculator

Est. monthly payment
$906/mo
Principal & interest$730
Property taxes$106
Insurance$70
Down payment20% · $28,000
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

$140,000

Time on market

49 days

Monthly payment

About $906/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,272 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# FC320778.

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