40 San Carlos Drive, FL
Stellar MLS

$482,000

40 San Carlos Drive

Palm Coast, FL 32137

Listing updated: June 13, 2026 at 4:24 PM ET

Active
3
Beds
3
Baths
1,909
Sq Ft
0.19
Acres
1991
Built
WaterfrontWater access$252/sqft360° tour
Single Family Residence

Property type

1991

Year built

8,059 sqft

Lot size

$252

Price / sq ft

$25/mo

HOA dues

134

Days on market

2

Garage spaces

X500*

Flood zone

About this home

You deserve relaxed, beachside living today. Recently updated 2-story home in the gated community of Lakeside at Matanzas Shores, where lake views, soaring ceilings and the ocean breezes create an easy, everyday escape for relocating buyers who want Florida to feel like a lifestyle, not just an address. Inside, the layout is designed for both comfort and flexibility: the primary suite is on the first floor for convenient, private main-level living, while 2 additional bedrooms are upstairs, perfect for guests, work-from-home space, or a dedicated hobby room. A newer tile roof and new flooring, High ceilings add volume and light. Whether you are hosting, relaxing, or simply enjoying the view. A large Florida Room overlooks the lake, an inviting spot for morning coffee, reading time, or winding down at the end of the day with the water as your backdrop. Outdoor living extends beyond the home with community designed around the coast. Lakeside at Matanzas is positioned between the Atlantic Ocean and the Intracoastal Waterway and includes deeded beach access and Intracoastal access, so weekends can easily shift from sand to sunset boat watching. Community amenities include 2 pools, tennis, pickle ball courts, volleyball, shuffleboard, basketball, a fishing dock, and more, adding variety to your routine without having to leave the neighborhood. If you have been waiting for an updated home with a first-floor primary suite, open living spaces, and a true coastal amenity package, schedule your showing and experience 40 San Carlos Drive for yourself.

Estimated monthly payment

Principal & interest$2,437
Property taxes$529
Home insurance (est.)$221
HOA dues$25

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history134 days on market

  1. Status: Active
    Jan 30, 2026
  2. Listed$495,000
    Jan 30, 2026
  3. Price reduced$482,000

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
134
Subdivision
Lakeside/Matanzas Shores Sub
County
Flagler
Year built
1991
Living area
1,909 sq ft
Price/sq ft
$252
Lot size
8,059 sq ft
Lot category
0 to less than 1/4
Flood zone
X500* (12035C0039E)
Garage
2 spaces
Annual taxes
$6,347 (2025)
Parcel #
37-10-31-3725-00000-0290
Zoning
PUD
MLS #
FC315639

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Interior Details

Bedrooms
3
Full bathrooms
2
Half bathrooms
1
Flooring
Laminate, Tile, Vinyl
Appliances
Exhaust Fan, Microwave, Range, Range Hood, Refrigerator, Washer
Interior features
Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Primary Bedroom Main Floor, Solid Surface Counters, Thermostat, Window Treatments
Laundry
Inside, Laundry Room
Stories / Levels
Two
Direction faces
West

Heating & Cooling

Heating
Electric, Heat Pump
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes

HOA & Financial

HOA fee
$76 / Quarterly
Monthly HOA
$25/mo
Total monthly fees
$215/mo
Total annual fees
$2,584
HOA name
Maria Accoo
CDD
No
Min lease term
3 Months
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
Application to Homeowners
Approval process
Fee paid and application submitted

Exterior & Construction

Exterior features
French Doors, Private Entrance
Construction materials
Block, Stucco
Roof
Tile
Foundation
Slab
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Paved

Utilities

Sewer
Private Sewer
Water source
Public
Utilities
Cable Connected, Electricity Connected, Public, Sewer Connected, Sprinkler Recycled, Underground Utilities, Water Connected

Community

Pets allowed
Cats OK, Dogs OK

Room Details

RoomLevelDimensions
Living RoomFirst14x14
KitchenFirst
Primary BedroomFirst
Balcony/Porch/LanaiFirst
Bedroom 2Second
Bedroom 3Second

Listing Details

Listing date
2026-01-30
On market date
2026-01-30
Original list price
$495,000
Occupant type
Owner
MLS area
32137 - Palm Coast
Listing AOR
Flagler
Status changed
2026-01-30
Tax legal description
LAKESIDE AT MATANZAS SHORES LOT 29 OR 454 PG 1781 OR 1556/592 OR 2006/1166 OR 2044/1802 OR 2219/1050

Flood risk

Moderate riskFEMA Zone X500*Panel 12035C0039E

Moderate-risk area (0.2% annual-chance / “500-year” floodplain). Flood insurance is recommended but usually not required.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From Hammock Dunes Bridge, Approx 6 mi North on A1A. From St Augustine, south on A1A approx 1 mile south of Marineland.

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Based on information submitted to the MLS GRID as of June 13, 2026 at 4:24 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA