
40 CONCORD DRIVE, ORMOND BEACH, FL, 32176
Active146 days on marketListed May 19, 2026MLS #V4949128
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
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.
$4,509 /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
$4,509/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.
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
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
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
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)
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
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.
Sold · Feb ’26$899,900
41 MARDEN DRIVE
4 bd · 3 ba · 2,770 sqft · $325/sqft · 126 DOM
Sold · Dec ’25$790,000
1425 OCEAN SHORE BOULEVARD UNIT 102
3 bd · 3 ba · 2,390 sqft · $331/sqft · 256 DOM
Sold · 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.
Your agent
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 40 CONCORD DRIVE — start here.

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.
Keep looking
Similar homes nearby
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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