$449,000
20 Ludlow Lane
Palm Coast, FL 32137
Listing updated: May 27, 2026 at 9:43 AM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Welcome to a showstopper that truly has it all! Built in 2024 and crafted with solid concrete block construction, this like-new home delivers the perfect blend of modern design, flexibility, and functionality—something rarely found in today’s market. From the moment you walk in, you’ll feel the difference with its spacious layout, high-end upgrades, and thoughtfully designed living spaces that cater to today’s lifestyle. One of the standout features is the private in-law suite, offering its own bedroom, full bathroom, separate living area, and a kitchenette, all tucked behind a door that creates a completely private retreat. Whether you’re accommodating extended family, hosting guests, setting up a home office, or creating the ultimate teen suite, this space offers endless possibilities. The rest of the home is equally impressive with a split floor plan that provides privacy and comfort for everyone. Three additional bedrooms and two bathrooms are positioned away from the primary suite, which is privately located at the rear of the home, creating a peaceful escape. The main living areas are enhanced with beautiful tile flooring, and the upgraded kitchen is a true centerpiece, featuring a modern farmhouse style that is both warm and sophisticated—perfect for entertaining or everyday living. Step outside to a spacious covered patio, ideal for relaxing evenings or weekend gatherings, and enjoy the convenience of a large three-car garage with plenty of room for vehicles, storage, and all your toys. Perfectly situated on the desirable southern end of Palm Coast, you’re just minutes to I-95, surrounded by new shopping and dining options, and only a short 14-minute drive to Flagler Beach. With no HOA restrictions and short-term rentals allowed, this property offers not only a beautiful place to call home but also an incredible investment opportunity. Homes like this—with a private suite, modern upgrades, and prime location—are incredibly hard to find. This is the one buyers wait for… and it will not last long.
Estimated monthly payment
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 history54 days on market
- Status: ActiveApr 3, 2026
- Listed$459,000Apr 3, 2026
- Price reduced$449,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 54
- Subdivision
- Aspire At Palm Coast
- County
- Flagler
- Year built
- 2024
- Living area
- 2,094 sq ft
- Price/sq ft
- $214
- Building area
- 2,194 sq ft (Builder)
- Lot size
- 10,019 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12035C0110E)
- Garage
- 3 spaces
- Annual taxes
- $6,124 (2025)
- Parcel #
- 07-11-31-7037-00020-0040
- Zoning
- PUD
- MLS #
- FC317362
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Flooring
- Carpet, Ceramic Tile
- Appliances
- Dishwasher, Dryer, Microwave, Range, Washer
- Interior features
- Ceiling Fans(s), High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Solid Surface Counters, Split Bedroom, Walk-In Closet(s), Window Treatments
- Laundry
- Laundry Room
- Stories / Levels
- One
- Direction faces
- West
- In-law suite
- Yes
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 3
- Attached garage
- Yes
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- French Doors
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public, Well
- Utilities
- Electricity Connected, Sewer Connected, Water Connected
Community
- Pets allowed
- Cats OK, Dogs OK
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 13x11 |
| Bedroom 1 | First | 11x10 |
| Bedroom 2 | First | 10x10 |
| Bedroom 3 | First | 11x10 |
| Primary Bedroom | First | 14x13 |
| Kitchen | First | 9x16 |
| Great Room | First | 16x11 |
| Dinette | First | 19x10 |
Listing Details
- Listing date
- 2026-04-03
- On market date
- 2026-04-03
- Original list price
- $459,000
- Occupant type
- Vacant
- MLS area
- 32137 - Palm Coast
- Listing AOR
- Flagler
- Status changed
- 2026-04-03
- Tax legal description
- PALM COAST SECTION 37 BLOCK 00002 LOT 0004 SUBDIVISION COMPLETION YEAR 1981 OR 453 PG 1561 OR 1488/402-DC OR 2013/ 1572 OR 2013/1570
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From Palm Coast Parkway go North on Belle Terre Parkway. Continue to Matanzas Woods Parkway and take a right. Turn left onto Luther Drive. Turn left at the first cross street onto Ludlow Lane West.
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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 May 27, 2026 at 9:43 AM 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