CENTURY 21 Edge
$699,900$795,0004 bd3 ba2,910 sqft$241 /sqft$4,836 /mo all-in ↓

945 STONE LAKE DRIVE, ORMOND BEACH, FL, 32174

Active296 days on marketListed Sep 26, 2025MLS #FC313035

Reduced $95KPrivate poolSingle Family ResidencePLANTATION BAY PH 01A UNIT 01-6

About this home

945 STONE LAKE DRIVE

Virtually Staged. Welcome to 945 Stone Lake Drive in the prestigious gated community of Plantation Bay. This spacious home has four bedrooms plus a private theater room, along with an extended air-conditioned Florida room that adds incredible flexibility for entertaining, relaxing, or creating an additional office or fitness space all overlooking your SOLAR heated POOL. Step inside through double glass entry doors to find tile floors with mosaic tile accents. The formal dining room boasts a large window, crown molding, and plush carpet, while the formal living room offers high ceilings, crown molding, and comfortable finishes. The renovated kitchen is a showpiece with 42-inch white cabinetry featuring soft-close dovetail construction and pull-outs, complemented by a mosaic tile backsplash, granite countertops, and a copper sink. Stainless steel apps include a double oven, and a pantry closet provides excellent storage. The breakfast nook opens to the Florida room and features additional countertop and breakfast bar seating that flows into the family room, where you'll enjoy tile floors, gas fireplace, crown molding, and serene views of the pool. The master suite is a retreat with upgraded carpet, tray ceiling with crown molding, surround sound, and dual walk-in closets with built-ins. The spa-inspired bath includes dual sinks with granite countertops, walk-in tile shower, soaking tub, and private commode. With a split floor plan, bedrooms 2-4 are on the other wing of the home. Each with custom built-ins with closet, one with walk-in closet. Sharing Bathroom 2 with granite countertop with 2 sinks, tile tub/shower and door to pool area. Upstairs, the bonus theater room has built-in chairs, blackout curtains, projection screen, mini-split AC, and full surround sound connected to the Control4 system. Upstairs completed with a third bathroom with quartz vanity and tile tub/shower combo. Outdoors, enjoy your private oasis with a four-year-old solar-heated screened pool, extended paver lanai, and preserve views for ultimate privacy. The extended Florida room with its own AC is the perfect spot for entertaining or relaxing year-round. Other upgrades include Control4 smart-home integration with surround sound, lighting, and cameras; mini-split AC units in the master, and upstairs; paver driveway and walkway, laundry room with cabinetry, and widened 2-car garage with built-ins, sink, hot water heater (2021), ceiling racks, generator plug, AC system from 2019, and whole-house water filtration system. Living in Plantation Bay means enjoying one of Florida's premier golf and country club communities. 45 holes of championship golf, 9 lighted Har-Tru tennis courts, 10 pickleball courts, new 30-million-dollar Founders Clubhouse, additional Prestwick Clubhouse, a state-of-the-art fitness center and spa, multiple resort-style pools with cabana bar and grill, miles of walking and biking paths and fully activities calendar. Memberships are available at various levels, from full golf privileges to social memberships for dining and club events. Buyers of this home, who want to receive a substantial discount on initiation fee at the club, ask listing agent for details. This home combines spacious living, luxury amenities, and a prime location with an unbeatable community lifestyle. Don't miss your chance to make it yours.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,910

Sqft

0.25 ac

Lot size

2

Garage

2006

Year built

Two

Levels

$241

Per sqft

Private poolFireplacePool & Trees/Woods viewPets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Dryer · Ice Maker · Microwave · Range · Washer · Water Filtration System
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Trees/Woods
FacesEast
ParkingCommon · Driveway
ExteriorIrrigation System · Lighting · Private Mailbox · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$95/mo
Taxes (2024)$6,497/yr
PetsCats OK, Dogs OK, Yes
CommunityLake · Clubhouse · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Park · Playground · Pool · Restaurant · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$4,836 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,777
PMI (est., until 20% equity)$262
Property tax — 2024 actual bill$541
HOA fee — from the listing$95
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $69,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $69,990
Interest rate6.00%
Loan term

Estimated payment

$4,836/mo

Principal & interest$3,777
PMI (est., until 20% equity)$262
Property taxes (actual bill)$541
HOA / condo fee$95
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $700K
$672KedgeAI estimate $1,133,490 · range $914K$1.4M$1.4M

vs edgeAI estimate

−38.3%

$/sqft vs PLANTATION BAY PH 01A UNIT 01-6

$241 vs $245

Days on market

296 vs 41 typical

Where $241/sqft sits among the 7 homes for sale in PLANTATION BAY PH 01A UNIT 01-6

6 · this home
0
0
0
0
1
$201–312$312–422$422–533$533–643$643–754$754+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Plantation Bay Golf & Country Club

Map of 945 STONE LAKE DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Orlando74 min

Get to know Ormond Beach. See the full Ormond Beach guide →

Plantation Bay Golf & Country Club — neighborhood snapshot

Population

3,730

Median age

69

Median income

$87,350

Median home value

$432,212

Avg household

2

Households w/ children

124

For the school run

Volusia County School District

MiddleOrmond Beach Middle School★★★★★
ElementaryPathways Elementary School★★★★★
HighSeabreeze High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Ormond Beach market

Seller’s marketBalanced6.4 months of inventoryBuyer’s market

$390K$415K

Ormond Beach median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

4 of 7

PLANTATION BAY PH 01A UNIT 01-6 have cut their price

Median sold price, Ormond Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 75% above the ORMOND BEACH 32174 median. See the full Ormond Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $699,900 $95K
Sep 26, 2025Listed at $795,000 · 296 days on market since
2006Built · PLANTATION BAY PH 01A UNIT 01-6

Reality check

What actually sold near 945 STONE LAKE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

652 SOUTHLAKE DRIVESold · Sep ’25

$772,500

652 SOUTHLAKE DRIVE · same community

3 bd · 2.5 ba · 2,746 sqft · $281/sqft · 5 DOM

815 WESTLAKE DRIVESold · Jan ’26

$700,000

815 WESTLAKE DRIVE · same community

4 bd · 2.5 ba · 2,652 sqft · $264/sqft · 110 DOM

4 LAKEWOOD DRIVESold · Dec ’25

$568,000

4 LAKEWOOD DRIVE · same community

4 bd · 4 ba · 2,633 sqft · $216/sqft · 502 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Leliana Vazquez

Your agent

Leliana Vazquez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 945 STONE LAKE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 945 STONE LAKE DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Leliana's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

945 STONE LAKE DRIVE FAQs

What would the monthly payment be for 945 STONE LAKE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,836/mo — principal and interest, the actual property-tax bill, the $95/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 945 STONE LAKE DRIVE?+

The association fee works out to $95 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 945 STONE LAKE DRIVE?+

The most recent tax bill on record (2024) was $6,497. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 945 STONE LAKE DRIVE?+

The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Ormond Beach?+

At $699,900, this home is listed about 64% above the Ormond Beach median of $425,495. The market section on this page shows how the area is trending.

Which schools are assigned to 945 STONE LAKE DRIVE?+

Ormond Beach Middle School (middle), Pathways Elementary School (elementary), Seabreeze High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$699,900 runs 75% above the ORMOND BEACH 32174 median — but at 2,910 sqft it's also 50% larger than the typical Ormond Beach listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

296 days on market against a Ormond Beach median of 41 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Ormond Beach Middle School, Pathways Elementary School, Seabreeze High School — Seabreeze High School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $795,000, now $699,900 — a $95K cut. The full history is in the market section below.

Listing courtesy of VENTURE DEVELOPMENT REALTY,INC · Elizabeth Kargar. MLS #FC313035.

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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

Never miss a listing

New Ormond Beach homes, in your inbox

Like 945 STONE LAKE DRIVE but not quite? A daily digest of every new listing in Ormond Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Leliana to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated July 20, 2026 at 3:13 AM UTC. The listing information on this page last changed on July 20, 2026 at 3:13 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on July 20, 2026 at 3:13 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: July 20, 2026 at 3:13 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.