20 LOS LAGOS, Palm Coast, FL, 32137 | $949,000

One or more photo(s) has been virtually staged. Welcome to 20 Los Lagos Boulevard, an exceptional coastal residence in the gated community of Matanzas Shores, where luxury living meets the ultimate Florida beach lifestyle. Built in 2022 and loaded with upgrades, this 4-bedroom, 3. 5-bath property offers 2, 665 square feet of thoughtfully designed living space, including the highly sought-after feature of two primary suites—one on each level—providing ideal flexibility for guests, multigenerational living, or a private owner's retreat. Situated just a short walk from the beach, the home enjoys ocean views from the second floor and is positioned across from HOA-owned preserve land, creating a beautiful natural buffer leading toward the coastline and enhancing the private coastal setting. A rare advantage for beachside living, this property is not located in a flood zone while still offering incredible proximity to the Atlantic Ocean.

The backyard is truly the showpiece of this property, featuring a custom-built saltwater pool and spa with water features, electric heat, expansive outdoor entertaining areas, pergola privacy fencing, and low-maintenance artificial turf. Whether hosting family and friends or enjoying a quiet evening under the stars, this outdoor oasis delivers the resort-style experience buyers dream about when moving to Florida. Inside, the open-concept design is enhanced by luxury vinyl plank flooring, upgraded stair railings and hardwood stairs, plantation shutters, abundant natural light from additional builder-upgraded windows, and a spacious great room that seamlessly connects to the outdoor living areas.

The gourmet kitchen showcases quartz countertops, custom backsplash, upgraded cabinetry with accent lighting, pull-out storage, drawer upgrades, Lazy Susan cabinetry, exhaust fan, and an oversized island designed for both entertaining and everyday living. Additional upgrades include raised-height primary bath cabinetry, upgraded bathroom finishes, video-monitored security system, water softener system, hurricane shutters, extra hurricane bracing, upgraded insulation, and prewiring already completed for a whole-house generator—an invaluable feature for coastal living. The garage is equally impressive with epoxy flooring, ceiling-mounted storage racks, and a utility sink offering both hot and cold water. The hot water heater also includes a recirculation pump designed to improve hot water delivery throughout the entire home.

Beyond the property itself, Matanzas Shores offers one of the most impressive amenity packages on Florida's east coast. Residents enjoy private deeded beach access, an oceanfront community pool, tennis and pickleball courts, volleyball court, clubhouse, Intracoastal day dock, kayak storage, and additional community gathering spaces—all within a beautifully maintained gated setting.

Ideally located along the scenic A1A corridor, the community is just minutes from Matanzas Inlet, the pristine beaches of the Matanzas Shores coastline, and the natural beauty of Washington Oaks Gardens State Park. Historic downtown St. Augustine, world-class dining, shopping, boating, fishing, and miles of unspoiled beaches are all within easy reach, offering a lifestyle that perfectly blends luxury, recreation, and coastal living. This move-in-ready retreat delivers the perfect combination of location, lifestyle, and modern Florida luxury.

Features

  • Amenities: Clubhouse, Gated, Pickleball Court(s), Pool, Security, Tennis Court(s)
  • Rooms: 12
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Lot Size: 50 x 137
  • Laundry: Inside, Laundry Room
  • Style: Coastal
  • Year Built: 2022
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,665
  • Acreage: 0.16
  • Lot Size: 50 x 137
  • Est. Taxes: $7,622
  • HOA Fee: $103 Quarterly
  • Lot Desc: Cleared, Landscaped
  • View: Water
  • Pool: Gunite, Lighting, Salt Water
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator
  • MLS#: FC318875
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/FC318875/20loslagos_palmcoast_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 6/2/2026 2:48:12 AM)
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NMLS Mortgage Loan Originator ID 16953

917.838.7300

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20 LOS LAGOS, Palm Coast, FL, 32137

$949,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $759,200 $759,200 $759,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.350% 6.259% 6.183%
Monthly Tax Payment $635 $635 $635
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,552 $4,613 $6,407
Total Monthly Payment $5,279 $5,340 $7,134

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.