CENTURY 21 Edge
$4,000,0006 bd8.5 ba9,440 sqft$424 /sqft≈$28,182 /mo all-in ↓

4 LOST CREEK LANE, ORMOND BEACH, FL, 32174

Active2 days on marketListed Nov 5, 2026MLS #FC322554

WaterfrontPrivate poolSingle Family ResidenceLOST CREEK

About this home

4 LOST CREEK LANE

Virtually Staged. Welcome to an extraordinary French Country-inspired estate in Ormond Beach, where European manor architecture, exceptional craftsmanship, resort-style amenities, and a private natural setting come together. Set on approximately 3.5 acres, this custom-designed residence offers water access through Groover Branch Creek, connecting to the scenic Tomoka River. The home offers 6 bedrooms, 7 full bathrooms, and 3 half bathrooms, with gracious spaces designed for both everyday living and large-scale entertaining. Its impressive exterior is defined by asymmetrical architecture, steeply pitched tile rooflines, prominent chimneys, stucco finishes, shuttered windows, arched openings, and a formal courtyard-style entrance. Inside, dramatic two-story living areas are enhanced by vaulted ceilings, extensive upper-level windows, a substantial masonry fireplace, and a sweeping curved staircase with wrought-iron balustrades and a wraparound upper-level gallery. A dramatic barrel-vaulted ceiling with curved decorative timber trusses serves as a striking focal point, while natural stone and Brazilian cherry hardwood flooring, textured wall finishes, hand-painted murals, faux finishes, decorative inset panels, ornate lighting, and extensive stained-wood millwork showcase the home's custom quality. Coffered, recessed, vaulted, mural-painted, and decorative inset ceiling designs add distinctive architectural detail throughout. The kitchen is equipped for both culinary preparation and entertaining, offering furniture-grade custom cabinetry, stone countertops, integrated refrigeration, professional-style cooking appliances, decorative tilework, specialty lighting, multiple preparation and serving areas, and an oversized center island. A custom office with a handmade built-in desk provides a refined and functional work-from-home space. An exceptional entertainment suite includes a dedicated theater room with fixed seating and a projection system, an upstairs billiard and game area, and an elaborate full-service wet bar featuring stone countertops, integrated equipment, specialty lighting, carved millwork, and extensive custom cabinetry. A private in-law suite and residential elevator add flexibility and convenience for guests, multigenerational living, and daily access between levels. Additional amenities include multiple fireplaces, tankless water heaters, Pella windows and exterior doors, storm shutters, central vacuum, a security system with surveillance cameras, an underground 1,000-gallon propane tank, private well and irrigation system, and extensive interior, exterior, and specialty architectural lighting. Separate climate-controlled three-car and 2 car garages provide enclosed parking for up to five vehicles. The private outdoor environment is centered around an elongated custom saltwater pool with gas heat, an integrated raised spa, decorative rock and water features, expansive stone-paver decking, formal landscaping, mature privacy hedges, and a detached open-air pool pavilion or cabana. Wooded surroundings and creek access create a rare sense of privacy while connecting the property to the natural beauty of the Tomoka River. 4 Lost Creek is more than a residence; it is a custom estate experience distinguished by its French Provincial and European manor influences, enduring architectural character, remarkable finishes, exceptional entertaining spaces, five-car climate-controlled garage capacity, and a setting rarely found in the Ormond Beach market.

Facts & features

The home at a glance

6

Bedrooms

8.5

Bathrooms

9,440

Sqft

3.36 ac

Lot size

5

Garage

2007

Year built

Two

Levels

$424

Per sqft

Private poolWaterfrontFireplacePool & Trees/Woods view

Inside

FlooringTile · Hardwood
AppliancesBar Fridge · Built-In Oven · Dishwasher · Gas Cooktop · Microwave · Refrigerator · Wine Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Coffered Ceiling(s) · Crown Molding · Eating Space In Kitchen · Elevator · High Ceilings · Kitchen/Family Room Combo · Primary Bedroom Main Floor · Vaulted Ceiling(s) · Walk-In Closet(s) · Wet Bar
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Trees/Woods
FacesNorth
ExteriorBalcony · French Doors · Garden · Lighting · Outdoor Kitchen

Community & fees

HOA fee$68/mo
Taxes (2025)$15,386/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesElectricity Connected · 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.

$28,182 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$25,172
PMI (est., until 20% equity)$1,500
Property tax — 2025 actual bill$1,282
HOA fee — from the listing$68
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $400,000Loan30-yr fixed at 7.5%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% · $400,000
Interest rate7.50%
Loan term

Estimated payment

$28,182/mo

Principal & interest$25,172
PMI (est., until 20% equity)$1,500
Property taxes (actual bill)$1,282
HOA / condo fee$68
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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

Where it sits

Inside Ormond Beach

Drive times from this address

Downtown Orlando≈ 63 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

54,783

Median age

56.6

Median income

$71,011

Median home value

$356,800

Avg household

2.18

Households w/ children

4,865

For the school run

Volusia County School District

ElementaryTomoka Elementary School★★★★★
MiddleOrmond Beach Middle 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 marketLeans seller — 4.3 months of inventoryBuyer’s market

$400K → $408K

Ormond Beach median sold, yr/yr

96.6%

Sale-to-list ratio (12 mo)

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

This home is listed 953% above the ORMOND BEACH 32174 median. See the full Ormond Beach market guide →

Paper trail

This home's history

Nov 5, 2026Listed at $4,000,000 · 2 days on market since
2007Built · LOST CREEK

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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 4 LOST CREEK LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4 LOST CREEK LANE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

4 LOST CREEK LANE FAQs

What would the monthly payment be for 4 LOST CREEK LANE?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $28,182/mo — principal and interest, the actual property-tax bill, the $68/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 4 LOST CREEK LANE?+

The association fee works out to $68 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 4 LOST CREEK LANE?+

The most recent tax bill on record (2025) was $15,386. 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 4 LOST CREEK LANE?+

The listing reports pets: Cats OK, Dogs OK. 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 $4,000,000, this home is listed about 903% above the Ormond Beach median of $399,000. The market section on this page shows how the area is trending.

Which schools are assigned to 4 LOST CREEK LANE?+

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

The brief

Four things that matter here

01Positioned at the premium end

$4,000,000 runs 953% above the ORMOND BEACH 32174 median — but at 9,440 sqft it's also nearly 5 times the size of the typical Ormond Beach listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 2 days on market in a Ormond Beach market that averages 65 — if it fits, move quickly.

04Strong assigned schools

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

Listing courtesy of REALTY PROS ASSURED · Bill Navarra. MLS #FC322554.

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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4 Lost Creek Lane, Ormond Beach, FL — 6 Bed 8.5 Bath for Sale