1540 STONE TRAIL, DELTONA, FL, 32725
Active137 days on marketListed May 6, 2026MLS #O6402804
About this home
1540 STONE TRAIL
WATERFRONT • PRIVATE DOCK • COMPLETELY RENOVATED • NEW ROOF! Welcome to waterfront living at its best in the highly desirable Stone Island community. This beautifully renovated solid-block home has been thoughtfully reimagined from top to bottom, offering the rare combination of extensive updates, waterfront living, a private dock, and a peaceful setting. The major improvements have already been taken care of, including a brand-new roof, new A/C system, new water heater, and fully updated plumbing. The work was completed with permits and inspections, giving the next owner added peace of mind. Inside, the home feels fresh, modern, and completely move-in ready. The brand-new kitchen features quartz countertops, real wood cabinetry, full LED lighting, and high-efficiency appliances. Both bathrooms have been beautifully updated with spa-like finishes and elegant walk-in showers. The open and functional floor plan provides comfortable living spaces with a natural flow to the outdoors. Step outside and discover what truly sets this property apart. The spacious backyard leads directly to the waterfront and includes a private dock, offering the opportunity to enjoy boating, fishing, sunsets, and the peaceful surroundings of Stone Island. The upgraded marble-look driveway adds beautiful curb appeal while remaining low-maintenance and durable. Stone Island is a unique, golf-cart-friendly community located along the north shore of Lake Monroe, offering a relaxed waterfront lifestyle while remaining convenient to Central Florida. Residents enjoy amenities including a private boat ramp with lake access, tennis and pickleball courts, equestrian facilities, a playground, and a community fire pit. With easy access to Orlando and Daytona Beach, you can enjoy a quiet waterfront retreat without giving up convenience. Completely renovated. Major systems updated. Waterfront. Private dock. Stone Island. Homes offering this combination of updates and waterfront lifestyle are hard to find. Come see why this property is such a special opportunity and schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,062
Sqft
0.41 ac
Lot size
2
Garage
1981
Year built
Two
Levels
$230
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.
$3,537 /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
$3,537/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 Deltona actives
$230 vs $207
Days on market
137 vs 32 typical
Where $230/sqft sits among the 341 Deltona 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 Deltona
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Deltona. See the full Deltona guide →
DELTONA 32725 — neighborhood snapshot
Population
51,668
Median age
39.5
Median income
$70,801
Median home value
$255,700
Avg household
2.78
Households w/ children
6,283
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Deltona market
$300K → $319K
Deltona median sold, yr/yr
98.2%
Sale-to-list ratio (12 mo)
163 of 341
Deltona actives have cut their price
Median sold price, Deltona, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 64% above the DELTONA 32725 median. See the full Deltona market guide →
Paper trail
This home's history
Reality check
What actually sold near 1540 STONE TRAIL
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$555,000
1452 STONE TRAIL · same community
4 bd · 2.5 ba · 2,354 sqft · $236/sqft · 79 DOM
Sold · Aug ’26$546,000
1476 STONE TRAIL · same community
4 bd · 3 ba · 2,784 sqft · $196/sqft · 13 DOM
Sold · Nov ’25$675,000
1443 STONE TRAIL · same community
5 bd · 4 ba · 3,077 sqft · $219/sqft · 96 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 1540 STONE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1540 STONE TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1540 STONE TRAIL FAQs
What would the monthly payment be for 1540 STONE TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,537/mo — principal and interest, the actual property-tax bill, the $55/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 1540 STONE TRAIL?+
The association fee works out to $55 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1540 STONE TRAIL?+
The most recent tax bill on record (2025) was $3,796. 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 1540 STONE TRAIL?+
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 Deltona?+
At $474,900, this home is listed about 44% above the Deltona median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1540 STONE TRAIL?+
Deltona High School (high), Timbercrest Elementary School (elementary), Galaxy Middle School (middle) — 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
$474,900 runs 64% above the DELTONA 32725 median — but at 2,062 sqft it's also 28% larger than the typical Deltona listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
137 days on market against a Deltona median of 32 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $537,000, now $474,900 — a $62K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ELITE REAL ESTATE AND PROPERTY MANAGEMENT · Jessica Falvey. MLS #O6402804.
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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