CENTURY 21 Edge
$1,250,000$1,395,0004 bd4 ba3,090 sqft$405 /sqft$8,217 /mo all-in ↓

108 PINE TREE DRIVE, ORMOND BEACH, FL, 32174

Active131 days on marketListed Mar 3, 2026MLS #V4947638

Reduced $145KPrivate poolSingle Family ResidenceVILLAGE PINE RUN

About this home

108 PINE TREE DRIVE

Welcome to 108 Pine Tree Drive, a stunning custom-built estate by Heritage Construction, perfectly positioned on 1.72 acres in one of the most desirable and centrally located areas of Ormond Beach. Offering 3,090 square feet of living space, this exceptional 4-bedroom, 4-bathroom, attached 3-car garage home blends refined craftsmanship, modern luxury, and resort-style outdoor living. From the inviting front porch to the grand 8-foot entry doors, quality and attention to detail are immediately evident. Inside, the home showcases 10-foot ceilings, wood-look tile flooring throughout, and a built-in speaker system designed for seamless everyday living and entertaining. A striking in-home saltwater aquarium creates a one-of-a-kind focal point that sets this residence apart. The luxury chef’s kitchen serves as the centerpiece of the home, thoughtfully designed for both beauty and function. Features include a premium KitchenAid stainless-steel appliance package with double ovens, electric range, and built-in ice machine. Custom 42-inch soft-close cabinetry, an oversized granite island with additional storage, and an exquisite glass backsplash are complemented by custom oyster chandeliers that elevate the space with coastal elegance. The primary suite offers a true retreat, featuring a massive walk-in closet and a spa-inspired bathroom with dual marble vanities and abundant storage. Upstairs, a versatile fourth bedroom & bathroom, and a bonus room provide flexible living space, supported by a dedicated A/C system for optimal comfort. Designed for unforgettable gatherings, the backyard is an entertainer’s dream. A covered 19 x 20 outdoor kitchen includes concrete countertops, grill, flat-top grill, stainless steel sink, refrigerator, and ice chest. The impressive 65 x 20 cabana with metal roof creates a private resort atmosphere complete with a wood-burning fireplace, outdoor TV, retractable shade panels, three ceiling fans, outdoor shower, and a custom 13-foot concrete table overlooking the heated saltwater pool. Expansive paved driveway completed in 2024, upgraded landscaping, and a large front lot enhance both functionality and curb appeal, while the property extends beyond the fenced area for additional space and flexibility. In addition to the attached three-car garage, the property features a remarkable 70 x 50 insulated garage ideal for car collectors, RV owners, hobbyists, or multi-generational living. This versatile structure includes three 12' x 14' doors, one 12' x 10' door, and one 12' x 8' door, and is already plumbed for a future bathroom, offering exceptional potential for conversion into a detached guest house or true in-law suite. Additional highlights include a saltwater-heated pool, brand-new metal roof on the home, 2022 kitchen appliance package, 2026 hot water heater, dual A/C systems installed in 2017 including a dedicated upper-level unit, 2025 water treatment system, and 2024 paved driveway. This one-of-a-kind property delivers the rare combination of luxury, land, and lifestyle in a private estate setting just minutes from shopping, dining, and beaches. All information recorded in the MLS is believed to be accurate but is not guaranteed. Buyers are advised to conduct their own due diligence to verify the information provided.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

3,090

Sqft

1.72 ac

Lot size

5

Garage

2017

Year built

Two

Levels

$405

Per sqft

Private poolFireplace

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Ice Maker · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionCement Siding
FoundationSlab
FacesNorthwest
ExteriorOutdoor Grill · Outdoor Kitchen · Outdoor Shower · Private Mailbox · Sliding Doors

Community & fees

HOA fee$5/mo
Taxes (2025)$10,066/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Water Connected
WaterWell

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.

$8,217 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,745
PMI (est., until 20% equity)$469
Property tax — 2025 actual bill$839
HOA fee — from the listing$5
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $125,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $125,000
Interest rate6.00%
Loan term

Estimated payment

$8,217/mo

Principal & interest$6,745
PMI (est., until 20% equity)$469
Property taxes (actual bill)$839
HOA / condo fee$5
Est. insurance$160

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 Ormond Beach actives

$405 vs $238

Days on market

131 vs 41 typical

Where $405/sqft sits among the 400 Ormond Beach actives

175
120
46
24 · this home
10
25
$160–229$229–297$297–366$366–435$435–503$503+

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 Village Of Pine Run

Map of 108 PINE TREE DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Orlando66 min

Get to know Ormond Beach. See the full Ormond Beach guide →

Village Of Pine Run — neighborhood snapshot

Population

335

Median age

55

Median income

$109,485

Median home value

$399,400

Avg household

2

Households w/ children

15%

For the school run

Volusia County School District

MiddleOrmond Beach Middle School★★★★★
ElementaryPine Trail Elementary School★★★★
HighSeabreeze High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Ormond Beach market

Seller’s marketBalanced6.4 months of inventoryBuyer’s market

$390K$415K

Ormond Beach median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

185 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 93% above the Village Of Pine Run median. See the full Ormond Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,250,000 $145K
Mar 3, 2026Listed at $1,395,000 · 131 days on market since
2017Built · VILLAGE PINE RUN

Reality check

What actually sold near 108 PINE TREE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5 VILLAGE DRIVESold · Apr ’26

$480,000

5 VILLAGE DRIVE · same community

5 bd · 5 ba · 2,776 sqft · $173/sqft · 13 DOM

115 ADDISON DRIVESold · Apr ’26

$570,000

115 ADDISON DRIVE · same community

3 bd · 2 ba · 2,711 sqft · $210/sqft · 12 DOM

1127 INDIGO ROADSold · Apr ’26

$510,000

1127 INDIGO ROAD

3 bd · 3 ba · 3,143 sqft · $162/sqft · 14 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.

Lacie Springstead

Your agent

Lacie Springstead

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 108 PINE TREE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 108 PINE TREE DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

108 PINE TREE DRIVE FAQs

What would the monthly payment be for 108 PINE TREE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,217/mo — principal and interest, the actual property-tax bill, the $5/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 108 PINE TREE DRIVE?+

The association fee works out to $5 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 108 PINE TREE DRIVE?+

The most recent tax bill on record (2025) was $10,066. 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 108 PINE TREE DRIVE?+

The listing reports pets: Cats OK, Dogs OK. 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 $1,250,000, this home is listed about 194% above the Ormond Beach median of $425,495. The market section on this page shows how the area is trending.

Which schools are assigned to 108 PINE TREE DRIVE?+

Ormond Beach Middle School (middle), Pine Trail Elementary School (elementary), Seabreeze High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$1,250,000 runs 93% above the Village Of Pine Run median — but at 3,090 sqft it's also 59% larger than the typical Ormond Beach listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

131 days on market against a Ormond Beach median of 41 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Ormond Beach Middle School, Pine Trail Elementary School, Seabreeze High School — Pine Trail Elementary School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $1,395,000, now $1,250,000 — a $145K cut. The full history is in the market section below.

Listing courtesy of REALTY PROS ASSURED · Jonathan Gildon, PA. MLS #V4947638.

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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