208 S GAINES STREET, OAK HILL, FL, 32759
Active64 days on marketListed Sep 3, 2026MLS #O6438525
About this home
208 S GAINES STREET
Virtually Staged. HISTORIC CHARM + WRAP-AROUND PORCH + ROOM TO CREATE! Discover a one-of-a-kind Oak Hill home where timeless character meets modern updates and relaxed coastal living. A sweeping wrap-around porch welcomes you in, setting the stage for morning coffee, afternoon breezes, and evenings spent unwinding. Inside, expansive windows fill the main living areas with natural light, while high ceilings and inviting finishes create a warm, comfortable feel. The flexible floor plan features a versatile bonus room ideal for a home office, creative studio, or quiet reading retreat, with central kitchen and dining spaces perfect for everyday living and entertaining. Set on approximately 1.34 acres, the property offers added versatility with a detached two-car garage, a wood hobby shed, and additional workshop and storage space. Located in charming Oak Hill near the Indian River Lagoon, public boat launches, fishing, and scenic nature trails, this property offers opportunities to enjoy Florida’s outdoor lifestyle. Nearby educational options include Indian River Elementary School, New Smyrna Beach Middle School, New Smyrna Beach High School, and Burns Science and Technology Charter School in Oak Hill. Experience the character, space, and possibilities this unique property has to offer. Schedule your showing today! Work with our preferred lender, Nine Street Mortgage, and receive a $1,000 lender credit toward your home purchase. A flyer with contact details is attached. Subject to lender terms and eligibility.
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
$302
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.
$4,594 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$4,594/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
$302 vs $277
Days on market
64 vs 64 typical
Where $302/sqft sits among the 34 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
3,216
Median age
50.3
Median income
$61,671
Median home value
$289,300
Avg household
2.84
Households w/ children
227
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
$320K → $245K
Oak Hill median sold, yr/yr
92.1%
Sale-to-list ratio (12 mo)
20 of 34
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 98% 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
Angela Rodriguez
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 Angela'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 7.5%, the all-in payment lands around $4,594/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 $565,000, this home is listed about 19% above the Oak Hill median of $475,000. 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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