CENTURY 21 Edge
$645,000$719,0004 bd4 ba2,824 sqft$228 /sqft≈$4,509 /mo all-in ↓

40 CONCORD DRIVE, ORMOND BEACH, FL, 32176

Active146 days on marketListed May 19, 2026MLS #V4949128

✦ Reduced $74KSingle Family ResidenceNORTH ORMOND BEACH

Come see it

Upcoming open house

Sun, Oct 18

11:00 AM – 1:00 PM

About this home

40 CONCORD DRIVE

NEW PRICE + BUYER INCENTIVES! Now offered at $645,000 with a $10,000 seller concession at closing (could be used for upgrades or a rate buydown), plus a one-year home warranty. Framed by a mature tree canopy on one of Ormond-by-the-Sea’s most distinctive streets, this home is just steps from the no-drive beach. Solid concrete block construction on both levels and an elevated homesite are hallmarks of a well-built coastal home. Offering 2,824 square feet of living space, this well-designed home features four spacious bedrooms—two upstairs and two downstairs—each with its own en-suite bath and walk-in closet. A large downstairs laundry room adds everyday convenience, and the flexible floor plan is ideal for multigenerational living, guests, or a private home office. The upstairs living area is designed for entertaining, with an open great room, spacious kitchen, and dining area that create a comfortable, welcoming space for family and friends. The kitchen features abundant cabinetry, a generous pantry with pull-out shelving, oversized drawers, and a large center island that adds warmth and character to the living space. The screened porch extends the living space outdoors, offering a comfortable place to relax, dine, and entertain. The adjoining deck provides additional outdoor living space, while the mature tree canopy creates shade, privacy, and a setting unlike most homes this close to the beach. Ready to enjoy from day one, the home also offers opportunities to refresh select finishes and outdoor living areas. Recent improvements include a 2023 architectural roof and a 2021 Carrier 4-ton HVAC system. The property also features a 952-square-foot garage/workshop with an additional electrical panel and front and rear garage doors. Wide double gates provide access to a paved rear parking area with space for a boat, golf cart, motorcycles, a trailer, and plenty of additional parking.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

2,824

Sqft

0.25 ac

Lot size

2

Garage

1981

Year built

Two

Levels

$228

Per sqft

FireplaceWater viewPets allowed

Inside

FlooringCeramic Tile · Laminate · Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Ice Maker · Microwave · Refrigerator
InteriorCeiling Fan(s) · Open Floorplan · Solid Wood Cabinets · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Natural Gas · Propane

Outside & construction

RoofShingle
ConstructionBlock
FoundationBlock · Slab
ViewWater
FacesNorth
ExteriorOutdoor Grill · Private Mailbox · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$7,515/yr
PetsCats OK, Yes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Fiber Optics
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,509 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,480
PMI (est., until 20% equity)$242
Property tax — 2025 actual bill$626
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $64,500Loan30-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% · $64,500
Interest rate6.00%
Loan term

Estimated payment

$4,509/mo

Principal & interest$3,480
PMI (est., until 20% equity)$242
Property taxes (actual bill)$626
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.

List $645K
$416KedgeAI estimate $481,698 · range $434K–$499K$671K

vs edgeAI estimate

+33.9%

$/sqft vs Ormond Beach actives

$228 vs $230

Days on market

146 vs 77 typical

Where $228/sqft sits among the 382 Ormond Beach actives

126
122 · this home
63
24
18
29
$150–206$206–262$262–318$318–374$374–430$430+

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 Ormond Beach

Drive times from this address

Downtown Orlando≈ 75 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

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

ORMOND BEACH 32176 — neighborhood snapshot

Population

14,344

Median age

60.1

Median income

$72,248

Median home value

$368,400

Avg household

2.01

Households w/ children

946

For the school run

Volusia County School District

MiddleOrmond Beach Middle School★★★★★
HighSeabreeze High School★★★★★
ElementaryBeachside Elementary School★★★★★

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

The numbers that matter

The Ormond Beach market

Seller’s marketLeans seller — 4.5 months of inventoryBuyer’s market

$407K → $395K

Ormond Beach median sold, yr/yr

96.5%

Sale-to-list ratio (12 mo)

206 of 382

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 90% above the ORMOND BEACH 32176 median. See the full Ormond Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $645,000 ▼ $74K
May 19, 2026Listed at $719,000 · 146 days on market since
1981Built · NORTH ORMOND BEACH

Reality check

What actually sold near 40 CONCORD DRIVE

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

41 MARDEN DRIVESold · Feb ’26

$899,900

41 MARDEN DRIVE

4 bd · 3 ba · 2,770 sqft · $325/sqft · 126 DOM

1425 OCEAN SHORE BOULEVARD UNIT 102Sold · Dec ’25

$790,000

1425 OCEAN SHORE BOULEVARD UNIT 102

3 bd · 3 ba · 2,390 sqft · $331/sqft · 256 DOM

7 MARDEN DRIVESold · Apr ’26

$1,050,000

7 MARDEN DRIVE

3 bd · 3.5 ba · 2,276 sqft · $461/sqft · 294 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.

Anthony Richardson

Your agent

Anthony Richardson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 40 CONCORD 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 40 CONCORD DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

40 CONCORD DRIVE FAQs

What would the monthly payment be for 40 CONCORD DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,509/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 40 CONCORD DRIVE?+

The most recent tax bill on record (2025) was $7,515. 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 40 CONCORD DRIVE?+

The listing reports pets: Cats OK, 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 $645,000, this home is listed about 61% above the Ormond Beach median of $399,900. The market section on this page shows how the area is trending.

Which schools are assigned to 40 CONCORD DRIVE?+

Ormond Beach Middle School (middle), Seabreeze High School (high), Beachside Elementary School (elementary) — 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

$645,000 runs 90% above the ORMOND BEACH 32176 median — but at 2,824 sqft it's also 61% larger than the typical Ormond Beach listing.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Strong assigned schools

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

04The price has already moved

Listed at $719,000, now $645,000 — a $74K cut. The full history is in the market section below.

Listing courtesy of OCEANS LUXURY REALTY FULL SVC · Michael Sieg. MLS #V4949128.

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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