
971 STONE LAKE DRIVE, ORMOND BEACH, FL, 32174
Active4 days on marketListed Oct 8, 2026MLS #O6447222
About this home
971 STONE LAKE DRIVE
Experience unmatched resort-style luxury in this sprawling 6-bedroom, 5-bathroom estate featuring a private screened pool oasis, custom entertaining loft with wet bar, and EV charger, nestled within Ormond Beach's premier gated golf community of Plantation Bay. This grand two-story residence spans 4,278 square feet of refined living space, perfect for large families or those seeking dedicated spaces for work, play, and rest. Downstairs, you'll find four spacious main-floor bedrooms, offering convenient single-level —an impressive eat-in chef's kitchen featuring a oversized center island. (Home has been painted neutral colors) Ascend upstairs to discover two expansive flexible bonus suites—ideal for a private media room, home office, or guest quarters—complemented by a built-in wet bar perfect for hosting. Step out to your private outdoor retreat: a massive, screened lanai with in-ground swimming pool The Plantation Bay & Ormond Beach Lifestyle Located inside the prestigious 24/7 security-gated gates of Plantation Bay, residents enjoy optional club memberships unlock access to 45 holes of championship golf, state-of-the-art fitness and wellness centers, clay tennis and pickleball courts, and resort-style pools. Outside the community gates, you are just a 10-minute drive from the pristine sands of the Atlantic Ocean via the famous Ormond Scenic Loop, and moments from upscale dining, boutique shopping, and top-rated regional parks. Utilities: Tenant is responsible for electricity and water. Nearby Schools This home is located within the Flagler County School District — Criteria for approval: • 580+ credit score (Low score thanks to medical or student loans? You may still qualify with a higher deposit. (Please refer to the flyer for specific information.) • Credit score below 550 or 6+ non-medical/non-student loan collections are immediate disqualifiers. • Income must be 2.5x rent • No evictions or unpaid rent • Background checks are done on all adults. We are HUD compliant in our review process. MOVE-IN COSTS & FEES: • Application: $100 per adult. All residents must be on the lease. No exceptions. • Security Deposit: $3,600 (Due immediately - Home is only held for you after deposit has been paid!) If conditionally approved, the Security Deposit amount might be higher. • First Month rent: $3,600 + fees (Due 10 days before move-in; proration applies to month #2). • Admin Fee: $125 standard fee. This fee will increase if you need to rush the move in. ? Total Monthly Charges: $3,947 (Includes Rent, Discounted Internet, Lawncare, Poolcare, Resident Benefit Package, and Transaction Fee) Monthly Fees (in addition to rent): • $55 Resident Benefit Package — Includes the required renter’s insurance, as well as pest control, AC filters, rewards and other magical adulting tools. ? Bring your own qualifying insurance and the fee drops to $43.08 • $65 Internet (1 Gig!) Discounted rate for Supercharged Spectrum WiFi courtesy of Rent Prosper perks • $100 for Lawncare • $125 for Poolcare • $2 Transaction Fee PET & ANIMAL POLICIES: ? All pet/ESA/no-pet declarations This property welcomes pets! Registration fees range from $25–$100 per pet. Monthly pet rent is calculated based on the "Paw Rating"
Facts & features
The home at a glance
6
Bedrooms
5
Bathrooms
4,278
Sqft
0.38 ac
Lot size
3
Garage
2005
Year built
Three Or More
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$186 /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
$186/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 PLANTATION BAY PH 01A UNIT 01-6
$1 vs $223
Days on market
4 vs 77 typical
Where $1/sqft sits among the 8 homes for sale in PLANTATION BAY PH 01A UNIT 01-6
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 Plantation Bay Golf & Country Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ormond Beach. See the full Ormond Beach guide →
Plantation Bay Golf & Country Club — neighborhood snapshot
Population
3,730
Median age
69
Median income
$87,350
Median home value
$432,212
Avg household
2
Households w/ children
124
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)
3 of 8
PLANTATION BAY PH 01A UNIT 01-6 have cut their price
Median sold price, Ormond Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% 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 971 STONE LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$1,475,000
410 WINGSPAN DRIVE · same community
4 bd · 4 ba · 3,055 sqft · $483/sqft · 93 DOM
Sold · Aug ’26$1,525,000
610 WOODBRIDGE DRIVE · same community
3 bd · 3 ba · 2,806 sqft · $543/sqft · 5 DOM
Sold · Jan ’26$700,000
815 WESTLAKE DRIVE · same community
4 bd · 2.5 ba · 2,652 sqft · $264/sqft · 110 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 971 STONE LAKE DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 971 STONE LAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
971 STONE LAKE DRIVE FAQs
What would the monthly payment be for 971 STONE LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $186/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 971 STONE LAKE DRIVE?+
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 Ormond Beach?+
At $3,600, this home is listed about 99% below the Ormond Beach median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 971 STONE LAKE DRIVE?+
Ormond Beach Middle School (middle), Pathways Elementary School (elementary), 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
01Under the ORMOND BEACH 32174 market on paper
$3,600 is 99% below the ORMOND BEACH 32174 median of $379,000, and at $1/sqft it sits under the Ormond Beach average of $262.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 4 days on market in a Ormond Beach market that averages 77 — if it fits, move quickly.
04Strong assigned schools
Ormond Beach Middle School, Pathways Elementary School, Seabreeze High School — Seabreeze High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RP INVESTMENT REALTY LLC · Giovanna D'Alessandro. MLS #O6447222.
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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