39 CHEROKEE TRAIL, ORMOND BEACH, FL, 32174
Active269 days on marketListed Oct 23, 2025MLS #O6355170
About this home
39 CHEROKEE TRAIL
One or more photo(s) has been virtually staged. Discover spacious living and flexible design in this 3-bedroom, 3-bath townhome (approx. 1,962 sq. ft.) in the highly regarded community of The Trails in Ormond Beach. Thoughtfully laid out for comfort and convenience, the main level features a generously sized bedroom and a full bath—ideal for guests, multigenerational living, or a private home office. Upstairs, the primary suite offers excellent closet storage and an en-suite bath, while a second “mini-suite” includes its own full bath for true privacy. A large loft on the second floor provides valuable flex space—perfect as a media room, play area, gym, or additional lounge. Storage is a standout here, with substantial closet capacity throughout the home to keep everything organized. Enjoy outdoor living on the expansive upstairs balcony with peaceful open-courtyard views—great for morning coffee or evening unwinding. This residence is brimming with potential and ready for your personal touch—a little TLC and updating will go a long way. The Trails’ lifestyle puts you minutes from shopping, dining, parks, and the beach, with convenient access to everyday essentials and coastal recreation. Community amenities add to the appeal and ease of living. Don’t miss this versatile Ormond Beach opportunity—schedule your private showing today! Roof Approximately 2 1/2 years old. No flooding.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,962
Sqft
0.06 ac
Lot size
2
Garage
1983
Year built
Two
Levels
$143
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 and the real association fee — not generic estimates.
$2,236 /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
$2,236/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.
$/sqft vs Ormond Beach actives
$143 vs $235
Days on market
269 vs 41 typical
Where $143/sqft sits among the 400 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 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)
197 of 400
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 30% below the ORMOND BEACH 32174 median. See the full Ormond Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 39 CHEROKEE TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$275,000
8 RISING MOON TRAIL · same community
3 bd · 3 ba · 1,914 sqft · $144/sqft · 127 DOM
Sold · Oct ’25$420,000
73 SPRING MEADOWS DRIVE
3 bd · 2 ba · 1,920 sqft · $219/sqft · 5 DOM
Sold · Jul ’26$280,000
105 HORSESHOE TRAIL
2 bd · 2.5 ba · 1,872 sqft · $150/sqft · 51 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 39 CHEROKEE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39 CHEROKEE TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
39 CHEROKEE TRAIL FAQs
What would the monthly payment be for 39 CHEROKEE TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,236/mo — principal and interest, the actual property-tax bill, the $90/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 39 CHEROKEE TRAIL?+
The association fee works out to $90 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 39 CHEROKEE TRAIL?+
The most recent tax bill on record (2024) was $2,561. 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 39 CHEROKEE TRAIL?+
The listing reports pets: Breed Restrictions, 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 $280,000, this home is listed about 34% below the Ormond Beach median of $425,495. The market section on this page shows how the area is trending.
Which schools are assigned to 39 CHEROKEE TRAIL?+
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
01Under the ORMOND BEACH 32174 market on paper
$280,000 is 30% below the ORMOND BEACH 32174 median of $399,900, and at $143/sqft it sits under the Ormond Beach average of $272.
02Time on market is leverage
269 days on market against a Ormond Beach median of 41 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $325,000, now $280,000 — a $45K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA PRESTIGIOUS HOMES INC · Ian Trumbach. MLS #O6355170.
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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