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20 LUDLOW LANE W, Palm Coast, FL, 32137 | $459,000
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.
Features
- Rooms: 8
- Bedrooms: 4
- Baths: 3 full
- Laundry: Laundry Room
- Year Built: 2024
- Garage: 3-car
- Heating: Central
- Cooling: Central Air
- Approx Sq. Feet: 2,094
- Acreage: 0.23
- Est. Taxes: $6,124
- Pet Policy: Cats OK, Dogs OK
- Appliances: Dishwasher, Dryer, Microwave, Range, Washer
- MLS#: FC317362
- Days on Market: 8 days
- Website: https://www.raveis.com
/prop/FC317362/20ludlowlanew_palmcoast_fl?source=qrflyer
Listing courtesy of REALTY EXCHANGE, LLC Phone: 386-446-0017
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
20 LUDLOW LANE W, Palm Coast, FL, 32137
$459,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $367,200 | $367,200 | $367,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.625% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.609% | 6.887% | 6.078% |
| Monthly Tax Payment | $510 | $510 | $510 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,261 | $2,351 | $3,074 |
| Total Monthly Payment | $2,846 | $2,936 | $3,659 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388