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45 LARAMIE DRIVE, Palm Coast, FL, 32137

3beds
2baths
1,883sqft
$410,000
$218price/sqft
$3,168/moest. monthly cost
$126,720/yrincome needed

About This Home

Welcome to this custom-built, move-in ready home located in the Matanzas Woods section of Palm Coast. Offering 1,883 square feet of living space, this home features 3 bedrooms, 2 full bathrooms, a split floor plan, and an attached 2-car garage. Built in 2020, this home offers custom features and thoughtful upgrades throughout. As you arrive, you'll immediately notice the stamped circular driveway, mature landscaping, stone accents, and the welcoming covered front entry featuring a red cedar ceiling. Step through the glass front door into the foyer, where you'll find two guest bedrooms and a full guest bathroom on one side of the home, along with a spacious coat closet for additional storage. Continue down the hallway into the open-concept living area, where the living room, dining area, and kitchen come together to create the heart of the home. Luxury wood-look tile flooring runs throughout the main living areas, creating a warm, cohesive feel. The home also features blinds throughout for added privacy and convenience, as well as ceiling fans in every bedroom and the living room. A glass door with built-in blinds provides access to the covered lanai from the living room. The kitchen is centrally located and features granite countertops, upgraded cabinetry, a large center island with additional seating, stainless steel appliances, and a walk-in pantry with custom wood shelving. Just off the kitchen, the inside laundry room includes a utility sink, washer and dryer, and convenient access to the attached garage. The primary suite is privately situated on the opposite side of the home and features direct access to the covered lanai. The spacious bedroom includes a California Closet with custom shelving, while the ensuite bathroom features dual sinks, a soaking tub, and a walk-in shower with a rain shower head. Step outside to the covered lanai overlooking the fully fenced backyard. Beautiful landscaping and fruit trees create a welcoming outdoor setting with plenty of room to relax, entertain, or simply enjoy the Florida lifestyle. Additional features include a one-year-old Bosch A/C system, a 250-gallon whole-home Generac generator, updated fixtures and chandeliers, custom closet shelving throughout the home, nine security cameras, and gutters. Conveniently located near shopping, restaurants, schools, parks, walking and biking trails, and just a short drive to Palm Coast's beautiful beaches, this property also offers the added benefit of no HOA.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
5/10
Matanzas High SchoolGrades 8-121.5 mi
7/10

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Inside,Laundry Room

Bathroom2

  • Level: First

Bedroom2

  • Features: Built-in Closet
  • Level: First

Bedroom3

  • Features: Built-in Closet
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Features

  • Ceiling Fan(s),Living Room/Dining Room Combo,Open Floorplan,Solid Surface Counters,Walk-In Closet(s)
  • Window features: Window Treatments
  • Flooring: Carpet,Tile

Foyer

  • Features: Coat Closet
  • Level: First

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,849
  • Total interior livable area: 1,883 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 0711317037002800120
  • Zoning: SFR-3
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Rain Gutters

Lot

  • Lot size: 10,001 sqft
  • Lot size dimensions: 125 x 80

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Flagler County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,073$24,876
Home Insurance *$381$4,572
Property Taxes $517$6,204
Electricity $197$2,366
Total$3,168$38,016
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,617/yr
40% on housing$95,040/yr
45% on housing$84,480/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.3%
16.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$218This listing

vs Other Active Listings

Avg $/sqft

ZIP 32137$242
Flagler County$228

vs Homes Sold Last Month

Median $/sqft

ZIP 32137$203
Flagler County$192

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-28Price change$410,000
2026-06-29Listed for sale$440,000
2021-07-16Sold$410,000
2021-06-11Pending sale$414,900
2021-04-30Price change$414,900
2021-04-26Price change$430,000
2021-03-25Listed for sale$435,000
2020-10-07Sold$328,900
2020-09-08Pending sale$329,999
2020-08-07Price change$329,999
2020-04-17Listed for sale$329,990
2019-02-28Sold$21,500

For Sale by Agent

AgentBrittany Licari
BrokerageREALTY EXCHANGE, LLC

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