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Active·111 days on market

41 Los Lagos Boulevard

Palm Coast, FL 32137

$749,999$297/sqftEst. $4,004/moMLS# 2149168
4
Beds
3
Baths
2,527
Sq Ft
2022
Built
2
Garage
No
Pool
FEMA Zone XHOA $123/mo5,663 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Palm Coast

Welcome to 41 Los Lagos, with its peaceful lake setting, upgraded interiors, and close-to-the-beach location, this home is ready for your next chapter of relaxed coastal living. Coastal lakeside living meets everyday comfort in this beautifully upgraded four-bedroom, three-bath home set on a tranquil lake just minutes from the beach. This home is ready for you to start enjoying the water views, sea breezes, and relaxed Florida lifestyle from day one. Inside, an open, light-filled layout creates an inviting central gathering space, with stylish finishes, updated fixtures, and thoughtfully chosen finishes that make the home feel both polished and comfortable. The well-appointed kitchen flows easily into the living and dining areas, making it ideal for entertaining friends, hosting family holidays, or simply keeping everyone connected during casual weeknights at home. With four generous bedrooms and three full baths, there's plenty of room for family and guests to spread out and have

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$4,004
HOAbilled monthly$123
Estimated total, before insurance$4,127/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,565/yr · $630/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$749,999
$150,000
Loan Term
Monthly Payment
$4,004
Principal & Interest: $4,004
Insurance (est.): $500
Estimated Total Monthly
$4,504
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,806 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:15 AM, sunset 7:17 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,565/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Jun 6, 2026Listed$749,999

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$749,999
Price / Sq Ft$297
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,527
Total Structure Area3,373 sq ft
Acres0.13 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleOther
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesWest

Community Information

Address41 Los Lagos Boulevard, Palm Coast, FL 32137
Area605-Flagler County North-Beach
SubdivisionLos Lagos At Matanzas Shores
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size5,662.8 sq ft
Parcel Number3710313785000000600
ZoningResidential

Amenities

AmenitiesPool, Beach Access, Clubhouse, Gated, Pickleball, Tennis Court(s)
Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPrivate Sewer
Water SourcePublic
ParkingAttached, Garage
ViewLake
Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingElectric, Heat Pump
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryLower Level

Exterior

Patio / PorchFront Porch, Rear Porch, Screened
RoofShingle
ConstructionComposition Siding, Frame, Stone
Road SurfacePaved

Additional Information

Date ListedJune 6, 2026
Days on Market89
HOA Fees$123 / Monthly
HOA FrequencyMonthly
HOA NameLos Lagos HOA/Property Advisers Mgnt
Tax Amount$7,564.57
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COASTAL GATEWAY REAL ESTATE GROUP

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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