CENTURY 21 Edge
$534,9003 bd2 ba2,040 sqft$262 /sqft$3,821 /mo all-in ↓

10 SOUTHERN TRACE BOULEVARD, ORMOND BEACH, FL, 32174

Active0 days on marketListed Aug 5, 2026MLS #FC320265

Single Family ResidenceSOUTHERN TRACE

About this home

10 SOUTHERN TRACE BOULEVARD

Luxury isn't defined by a single feature—it's the confidence that every detail has already been done. Welcome to 10 Southern Trace Boulevard, a meticulously reimagined residence where exceptional craftsmanship, premium materials, and thoughtful design come together in one of Ormond Beach's most desirable hidden communities. Located in the beautifully maintained Southern Trace neighborhood, this move-in-ready home offers privacy, low HOA fees, and a prime location just minutes from Granada Boulevard, I-95, shopping, restaurants, medical facilities, parks, and more, while still providing the peaceful atmosphere of an established community. Inside, soaring ceilings, an open-concept floor plan, and unobstructed sight lines create a spacious, inviting feel. The oversized kitchen island anchors the home, seamlessly connecting the kitchen, dining, and living areas for effortless entertaining and everyday living. The chef's kitchen features handcrafted real wood soft-close cabinetry, quartz countertops with a full-height quartz backsplash, farmhouse sink, custom range hood, microwave drawer, walk-in pantry, hidden under-cabinet outlets, pop-up charging stations, abundant island storage, and a built-in wine bar. The owner's suite is a luxurious retreat with a tray ceiling, oversized 72-inch ceiling fan, soaking tub, and spa-inspired walk-in shower featuring natural pebble flooring and floor-to-ceiling porcelain tile. Bathrooms are finished with premium Delta fixtures backed by Delta's Lifetime Limited Warranty. Additional interior upgrades include waterproof wide-plank flooring, upgraded 5¼-inch baseboards, custom dining room trim, designer lighting, abundant recessed lighting, whole-home central vacuum, and thoughtfully selected finishes throughout. Major system improvements provide exceptional peace of mind, including a high-efficiency two-stage HVAC system with transferable 5-year parts warranty, brand-new architectural shingle roof with transferable warranty, double-pane insulated windows with transferable lifetime glass-break warranty, new water heater, updated plumbing, new angle stops, replaced hose bibs, upgraded irrigation system, hurricane-impact decorative front entry glass, and energy-efficient appliances. Outdoor living is equally impressive with a porcelain flagstone lanai overlooking a private wooded backdrop that offers outstanding privacy. The oversized garage features a professionally finished epoxy flake floor, self-closing garage door, smart opener with integrated camera, accessory camera, keypad entry, and Ring video doorbell. This is far more than a beautifully renovated home—it's a residence where nearly every major system has been upgraded, premium transferable warranties convey to the new owner, and every improvement was made with lasting quality, comfort, and timeless style in mind. Opportunities like this in Southern Trace are exceptionally rare.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,040

Sqft

0.23 ac

Lot size

2

Garage

1996

Year built

One

Levels

$262

Per sqft

Negotiable

Inside

FlooringEngineered Hardwood
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Central Vacuum · Dry Bar · High Ceilings · Open Floorplan · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSouth
ExteriorIrrigation System · Private Yard

Community & fees

HOA fee$46/mo
Taxes (2025)$2,757/yr
PetsNo

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Phone Available · 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.

$3,821 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,149
FHA mortgage insurance (est.)$237
Property tax — 2025 actual bill$230
HOA fee — from the listing$46
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,722Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

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
Down payment3.5% · $18,722
Interest rate6.00%
Loan term

Estimated payment

$3,821/mo

Principal & interest$3,149
FHA mortgage insurance (est.)$237
Property taxes (actual bill)$230
HOA / condo fee$46
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 $535K
$412KedgeAI estimate $444,688 · range $429K$456K$556K

vs edgeAI estimate

+20.3%

Days on market

0 vs 51 typical

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 Ormond Beach

Map of 10 SOUTHERN TRACE BOULEVARD

Drive times from this address

Downtown Orlando61 min
Universal Orlando74 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

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

ORMOND BEACH 32174 — neighborhood snapshot

Population

53,087

Median age

56.3

Median income

$67,817

Median home value

$315,100

Avg household

2.19

Households w/ children

4,692

For the school run

Volusia County School District

ElementaryPathways Elementary School★★★★★
MiddleDavid C. Hinson Senior Middle School★★★★★
HighMainland High School★★★★★

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

The numbers that matter

The Ormond Beach market

Seller’s marketBalanced5.0 months of inventoryBuyer’s market

$407K$400K

Ormond Beach median sold, yr/yr

96.5%

Sale-to-list ratio (12 mo)

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

This home is listed 34% above the ORMOND BEACH 32174 median. See the full Ormond Beach market guide →

Paper trail

This home's history

Aug 5, 2026Listed at $534,900 · 0 days on market since
1996Built · SOUTHERN TRACE

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.

Cindy Fernandez

Your agent

Cindy Fernandez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 10 SOUTHERN TRACE BOULEVARD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10 SOUTHERN TRACE BOULEVARD — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

10 SOUTHERN TRACE BOULEVARD FAQs

What would the monthly payment be for 10 SOUTHERN TRACE BOULEVARD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,821/mo — principal and interest, the actual property-tax bill, the $46/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 10 SOUTHERN TRACE BOULEVARD?+

The association fee works out to $46 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 10 SOUTHERN TRACE BOULEVARD?+

The most recent tax bill on record (2025) was $2,757. 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 10 SOUTHERN TRACE BOULEVARD?+

The listing reports pets: No. 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 $534,900, this home is listed about 24% above the Ormond Beach median of $432,000. The market section on this page shows how the area is trending.

Which schools are assigned to 10 SOUTHERN TRACE BOULEVARD?+

Pathways Elementary School (elementary), David C. Hinson Senior Middle School (middle), Mainland High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of DEUCES REALTY LLC · Mark Polakovich. MLS #FC320265.

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.

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