12 PEARL DRIVE, ORMOND BEACH, FL, 32174
Active189 days on marketListed Jan 13, 2026MLS #NS1086993
About this home
12 PEARL DRIVE
Located in the heart of Ormond Beach, this 3 bed 3 bath home on 7.2 acres offers a well-designed floor plan with inviting living spaces and great natural light throughout. On a peaceful street, this home provides easy access to beaches, parks, shopping, dining and minutes to both I-4 and I-95. Whether you’re looking for a primary residence, second home, or investment opportunity, this property delivers convenience, comfort, and classic Florida charm. With this location it's an easy walk to Publix, Starbucks and other restaurants. No need to drive! Possible rezoning would provide endless opportunities.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
3,125
Sqft
7.22 ac
Lot size
2002
Year built
One
Levels
$638
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$12,724 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$12,724/mo
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.
vs edgeAI estimate
+99.6%
$/sqft vs NOT IN SUBDIVISION
$638 vs $251
Days on market
189 vs 41 typical
Where $638/sqft sits among the 126 homes for sale in NOT IN SUBDIVISION
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ormond Beach market
$390K → $415K
Ormond Beach median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
60 of 126
NOT IN SUBDIVISION have cut their price
Median sold price, Ormond Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 399% above the ORMOND BEACH 32174 median. See the full Ormond Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 12 PEARL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$485,000
4510 CINDY ROAD · same community
4 bd · 4 ba · 2,520 sqft · $192/sqft · 86 DOM
Sold · Dec ’25$375,000
4212 HOMEWOOD LANE · same community
3 bd · 3 ba · 2,428 sqft · $154/sqft · 34 DOM
Sold · Dec ’25$518,000
3624 NW 63RD STREET · same community
3 bd · 2 ba · 2,274 sqft · $228/sqft · 71 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.
Your agent
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12 PEARL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 PEARL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12 PEARL DRIVE FAQs
What would the monthly payment be for 12 PEARL DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,724/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 12 PEARL DRIVE?+
The most recent tax bill on record (2025) was $12,609. 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 12 PEARL DRIVE?+
The listing reports pets: 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 $1,995,000, this home is listed about 369% 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 12 PEARL DRIVE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$1,995,000 runs 399% above the ORMOND BEACH 32174 median — but at 3,125 sqft it's also 61% larger than the typical Ormond Beach listing.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
189 days on market against a Ormond Beach median of 41 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of COLLADO REAL ESTATE · Pat Collado. MLS #NS1086993.
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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