208 S GAINES STREET, OAK HILL, FL, 32759
Active17 days on marketListed Sep 3, 2026MLS #O6438525
About this home
208 S GAINES STREET
Virtually Staged. Draped in the shade of mature, established oak trees, this historic 1930 corner-lot residence spans over an acre in Oak Hill. A wrap-around front porch highlights the exterior, which features a detached two-car garage, a wooden hobby shed, and a dedicated outdoor workshop equipped with active water and electrical hookups. An additional large metal building features double garage doors, offering expansive utility for storage or recreational equipment. Inside, tile flooring extends throughout the main level, transitioning to restored natural hardwood flooring along the staircase and hallways, accented by carpet runners on the stairs and in the bedrooms. The kitchen is outfitted with recently updated appliances, while a separate bonus room provides adaptable space for a home office, fitness area, or guest retreat. Positioned for coastal living, the property is located within minutes of local dining and public boat ramp access, providing direct entry to the Indian River lagoon system.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,872
Sqft
1.34 ac
Lot size
2
Garage
1930
Year built
Two
Levels
$307
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.
$4,140 /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
$4,140/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.
$/sqft vs Oak Hill actives
$307 vs $313
Days on market
17 vs 42 typical
Where $307/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 92% 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 208 S GAINES STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$379,300
281 GALBRAITH AVENUE
3 bd · 2 ba · 1,789 sqft · $212/sqft · 5 DOM
Sold · May ’26$390,000
208 LAGOON MIST COURT
4 bd · 3 ba · 2,034 sqft · $192/sqft · 48 DOM
Sold · Mar ’26$104,000
151 WEST LOOP
4 bd · 2 ba · 2,052 sqft · $51/sqft · 163 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 208 S GAINES STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 208 S GAINES STREET — 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
208 S GAINES STREET FAQs
What would the monthly payment be for 208 S GAINES STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,140/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 208 S GAINES STREET?+
The most recent tax bill on record (2025) was $8,003. 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 $574,070, this home is listed about 64% 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 208 S GAINES STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Vanessa Paul. MLS #O6438525.
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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