40 CONCORD DRIVE, ORMOND BEACH, FL, 32176
Active61 days on marketListed May 19, 2026MLS #V4949128
About this home
40 CONCORD DRIVE
NESTLED BENEATH A CANOPY OF MAJESTIC OAK TREES AND JUST A HALF-BLOCK FROM THE NO-DRIVE BEACH, this exceptional Ormond-by-the-Sea residence offers the perfect blend of coastal living, privacy, and timeless Old Florida charm. Situated on one of the area's most distinctive streets, this spacious 4-bedroom, 4-bathroom home encompasses 2,824 square feet of living space and over 4,100 total square feet. Designed with flexibility in mind, each bedroom features its own en suite bathroom and walk-in closet, with two bedrooms located upstairs and two downstairs—ideal for multi-generational living, hosting guests, or creating dedicated work-from-home spaces. A stunning pecky cypress-lined stairwell welcomes you inside, adding warmth and character rarely found in today's homes. The upper-level living area showcases a spacious great room and well-appointed kitchen featuring Kenmore Elite appliances, a gas cooktop, and a ventless propane fireplace accented by a beautiful fruitwood mantel. Embrace outdoor living with a large screened porch and an expansive 564-square-foot upper deck overlooking the serene, wooded surroundings. Set on an oversized 11,700-square-foot lot, the property offers exceptional privacy, mature landscaping, and ample room to create your dream backyard oasis, including space for a pool. Recent improvements include a new roof (2023) and a 4-ton Carrier HVAC system (2021), providing peace of mind for years to come. Additional highlights include 5-foot eaves, an oversized 3-car garage with workshop space, and a paved storage area perfect for a boat, RV, golf cart, or other recreational toys. Located outside the flood zone and just moments from both the Atlantic Ocean and Halifax River, this rare beachside retreat offers a unique opportunity to enjoy coastal living with space, privacy, and character that are increasingly difficult to find. Whether you're seeking a primary residence, a vacation retreat, or a property designed for flexible living, this one-of-a-kind beachside home delivers an exceptional lifestyle in one of Ormond-by-the-Sea's most desirable locations.
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
$244
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.
$4,762 /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
$4,762/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.
$/sqft vs Ormond Beach actives
$244 vs $235
Days on market
61 vs 41 typical
Where $244/sqft sits among the 400 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
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
$390K → $415K
Ormond Beach median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
197 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 97% 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 · Jul ’25$700,000
32 OCEAN BREEZE CIRCLE
4 bd · 4.5 ba · 2,822 sqft · $248/sqft · 60 DOM
Sold · Feb ’26$899,900
41 MARDEN DRIVE
4 bd · 3 ba · 2,770 sqft · $325/sqft · 126 DOM
Sold · Sep ’25$750,000
1425 OCEAN SHORE BOULEVARD UNIT 402
3 bd · 3 ba · 2,515 sqft · $298/sqft · 145 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
Donna Layton
Real Estate Agent · 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 Donna'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 $4,762/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 $689,000, this home is listed about 62% 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 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
$689,000 runs 97% above the ORMOND BEACH 32176 median — but at 2,824 sqft it's also 46% 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 $689,000 — a $30K 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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