104 RIO PINAR DRIVE, ORMOND BEACH, FL, 32174
Active13 days on marketListed Sep 29, 2026MLS #NS1089379
About this home
104 RIO PINAR DRIVE
In-Ground Pool!! Mother-In-Law Suite!! Motivated Seller!! Relocating!!!!!! From the moment you arrive at 104 Rio Pinard Drive, you feel as though you’ve found your own private oasis. Beautiful iron gates frame the entrances, while thoughtfully designed landscaping, palm trees, and banana trees give the property a lush, tropical feel. The 3-bedroom, 3-bathroom home offers room to gather and room to spread out. The formal dining room would also make a great office or 4th bedroom. The master bedroom is spacious and has a large walk in closet and a beautifully updated bathroom with a walk in shower. On the opposite side of the house is the secondary bedroom and it leads to the mother-in-law suite with its own private rear entrance, bathroom and kitchenette plus a huge walk in closet adds flexibility for guests or extended family, while the finished detached garage serves as a pool house and/or man cave. The lanai is a unique space that can serve as a game room, sitting area or family room. The possibilities are endless... Out back, the fully fenced yard is designed for relaxing and entertaining without the upkeep of a traditional lawn. Spend the afternoon beside the in-ground pool, unwind in the attached hot tub, or enjoy the peaceful, resort-style setting. Every part of this property invites you to slow down and stay awhile. Storage is not a problem with 2 sheds on site. This property has had many updates including 2 new ductless HVAC units, new lvl floors in the living room, dining room and master bedroom. Updated master bathroom, fresh paint throughout, updated bathroom in the mother-in-law suite, faux grass covers the backyard for minimal maintenance, decorative landscaping, finished garage that can also be used for guests or entertaining. New lighting and ceiling fans add to the long list of updates and changes. At 104 Rio Pinar drive coming home feels like you have arrived at your very own vacation retreat and the best part is, you don't have to leave. *All information is assumed accurate but not guaranteed. Buyers and their agents must verify all information that is important to them.* These are actual pictures of the home NOT AI generated. Golf cart is included..
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,436
Sqft
0.33 ac
Lot size
2
Garage
1975
Year built
One
Levels
$226
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.
$4,185 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,185/mo
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.
vs edgeAI estimate
+32.2%
$/sqft vs Ormond Beach actives
$226 vs $230
Days on market
13 vs 77 typical
Where $226/sqft sits among the 382 Ormond Beach 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 Tomoka Oaks Country Club Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ormond Beach. See the full Ormond Beach guide →
Tomoka Oaks Country Club Estates — neighborhood snapshot
Population
1,548
Median age
54
Median income
$132,960
Median home value
$433,860
Avg household
3
Households w/ children
180
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
$407K → $395K
Ormond Beach median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
206 of 382
Ormond Beach actives have cut their price
Median sold price, Ormond Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 45% 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 104 RIO PINAR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$329,000
22 N ST ANDREWS DRIVE · same community
3 bd · 2 ba · 2,153 sqft · $153/sqft · 3 DOM
Sold · Apr ’26$475,000
32 PEBBLE BEACH DRIVE · same community
4 bd · 2 ba · 2,865 sqft · $166/sqft · 16 DOM
Sold · Oct ’26$381,000
108 RIO PINAR DRIVE · same community
4 bd · 3 ba · 2,889 sqft · $132/sqft · 21 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 104 RIO PINAR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 104 RIO PINAR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
104 RIO PINAR DRIVE FAQs
What would the monthly payment be for 104 RIO PINAR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,185/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 104 RIO PINAR DRIVE?+
The most recent tax bill on record (2025) was $6,531. 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 Ormond Beach?+
At $550,000, this home is listed about 38% above the Ormond Beach median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 104 RIO PINAR DRIVE?+
Tomoka Elementary School (elementary), David C. Hinson Senior 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
$550,000 runs 45% above the ORMOND BEACH 32174 median — but at 2,436 sqft it's also 39% 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.
03Strong assigned schools
Tomoka Elementary School, David C. Hinson Senior Middle School, Seabreeze High School — Tomoka Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $589,000, now $550,000 — a $39K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LAND AND SEA REALTY · Audra Gilberti. MLS #NS1089379.
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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