128 INDIAN CREEK ROAD, OAK HILL, FL, 32759
Active24 days on marketListed Aug 27, 2026MLS #NS1089103
About this home
128 INDIAN CREEK ROAD
This brand-new custom canal-front home is almost ready for you. Welcome to 128 Indian Creek Road, featuring approximately 1,850 square feet of thoughtfully designed living space with three bedrooms, two bathrooms, upgraded fixtures and lighting, indoor laundry, and the convenience of city water and sewer. Step outside to an expansive covered back patio overlooking the canal--an ideal setting for relaxing, entertaining, or enjoying Florida's waterfront lifestyle. A private dock provides direct boating access to the Intracoastal Waterway and the incredible fishing waters of the Indian River Lagoon, widely known as the ''Redfish Capital of the World.'' Oak Hill is a true paradise for boaters, anglers, and outdoor enthusiasts. More than a beautiful new home, this property offers a gateway to a lifestyle centered around boating, fishing, nature, and life on the water.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,843
Sqft
0.21 ac
Lot size
2
Garage
2024
Year built
One
Levels
$344
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.
$4,301 /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
$4,301/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
+27.9%
$/sqft vs Oak Hill actives
$344 vs $307
Days on market
24 vs 42 typical
Where $344/sqft sits among the 27 Oak Hill actives
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 Oak Hill
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Oak Hill. See the full Oak Hill guide →
OAK HILL 32759 — neighborhood snapshot
Population
2,941
Median age
52.6
Median income
$61,968
Median home value
$266,600
Avg household
2.68
Households w/ children
195
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Oak Hill market
$248K → $300K
Oak Hill median sold, yr/yr
92.4%
Sale-to-list ratio (12 mo)
14 of 27
Oak Hill actives have cut their price
Median sold price, Oak Hill, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 112% above the OAK HILL 32759 median. See the full Oak Hill market guide →
Paper trail
This home's history
Reality check
What actually sold near 128 INDIAN CREEK ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$356,000
130 INDIAN CREEK ROAD · same community
5 bd · 2 ba · 1,965 sqft · $181/sqft · 49 DOM
Sold · Oct ’25$320,000
238 INDIAN CREEK ROAD · same community
2 bd · 2 ba · 1,521 sqft · $210/sqft · 132 DOM
Sold · Jun ’26$425,000
191 E ARIEL ROAD
4 bd · 3 ba · 1,898 sqft · $224/sqft · 85 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 128 INDIAN CREEK ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 128 INDIAN CREEK ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
128 INDIAN CREEK ROAD FAQs
What would the monthly payment be for 128 INDIAN CREEK ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,301/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 128 INDIAN CREEK ROAD?+
The most recent tax bill on record (2025) was $5,788. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Oak Hill?+
At $634,000, this home is listed about 81% above the Oak Hill median of $350,000. The market section on this page shows how the area is trending.
Which schools are assigned to 128 INDIAN CREEK ROAD?+
Indian River Elementary School (elementary), New Smyrna Beach Middle School (middle), New Smyrna Beach 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
$634,000 runs 112% above the OAK HILL 32759 median — but at 1,843 sqft it's also 19% larger than the typical Oak Hill listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $639,000, now $634,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE KEYES COMPANY · Travous Dever. MLS #NS1089103.
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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