CENTURY 21 Edge
$425,000$435,0003 bd2 ba2,238 sqft$190 /sqft≈$3,761 /mo all-in ↓

114 OVERTON GARDENS LANE, DELAND, FL, 32724

Active32 days on marketListed Sep 10, 2026MLS #V4951154

✦ Reduced $10KSingle Family ResidenceVICTORIA PARK NORTHEAST INCREMENT

About this home

114 OVERTON GARDENS LANE

Meticulous matters and so do the details! This beautiful 3 Bedroom, 2 bath “Dartmouth” floor plan proves it! Located in the highly desirable 55+ gated community of Victoria Gardens, this home offers a warm and welcoming atmosphere with upgrades throughout and the very best of Florida lifestyle living. From the moment you enter the foyer, you will appreciate the spacious and well-designed floor plan. The formal dining room is conveniently located to the left, while the inviting den features double French doors, built-in bookcases, and crown molding, an ideal space for a home office, library, or quiet retreat. The heart of the home is the kitchen and family room. The kitchen features an extended wall of 42-inch cabinetry, a built-in desk, wine rack, under and above cabinet lighting, pull-out shelving, solid-surface countertops, and pendant lighting over the breakfast bar. Crown molding extends throughout much of the home, adding an elegant finishing touch. The spacious family room is designed for both everyday living and entertaining, offering surround sound, ceiling fans, an electric floor outlet, and a dramatic 12-foot sliding glass door that opens to the beautiful brick-paver patio. All three bedrooms feature tinted double-pane Pella windows for added comfort and efficiency. The primary suite offers a relaxing retreat with a spacious bathroom featuring dual vanity sinks, a private toilet closet, and his-and-her walk-in closets. Step outside and discover your own private oasis. The impressive 30’ x 19’ screened and enclosed covered patio features brick pavers and overlooks a beautifully manicured rear yard with mature hedges providing privacy—perfect for morning coffee, entertaining, or simply enjoying the Florida sunshine. Additional features include engineered hardwood floors, plantation shutters throughout, two solar tubes added to the living room to bring in an abundance of natural light, central vacuum, a water softener system, and pull-down attic stairs leading to a plywood-floored attic for convenient additional storage. expanded brick paver driveway. Natural gas community. ROOF 2022, HVAC 2018, WATER HEATER 2018 Residents of Victoria Gardens enjoy access to their own private clubhouse, resort-style pool, patio, and hot tub area. The association fees include lawn care, cable TV, internet, irrigation, and access to the community’s exceptional amenities, including clay tennis courts and pickleball.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,238

Sqft

0.15 ac

Lot size

2

Garage

2002

Year built

One

Levels

$190

Per sqft

55+ communityPets allowed

Inside

FlooringCarpet · Engineered Hardwood · Laminate
AppliancesDishwasher · Dryer · Gas Water Heater · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Solid Surface Counters · Split Bedroom · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ParkingDriveway · Garage Door Opener
ExteriorFrench Doors · Irrigation System · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$546/mo
Taxes (2025)$4,384/yr
PetsYes
CommunityAssociation Recreation - Owned · Deed Restrictions · Fitness Center · Golf Carts OK · Golf · Irrigation-Reclaimed Water · Sidewalks · Special Community Restrictions · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Natural Gas Connected · Public · Sewer Connected · Sprinkler Recycled · Street Lights · Underground Utilities
WaterPublic

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.

$3,761 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,502
FHA mortgage insurance (est.)$188
Property tax — 2025 actual bill$365
HOA fee — from the listing$546
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,875Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,875
Interest rate6.00%
Loan term

Estimated payment

$3,761/mo

Principal & interest$2,502
FHA mortgage insurance (est.)$188
Property taxes (actual bill)$365
HOA / condo fee$546
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 $425K
$343KedgeAI estimate $388,057 · range $357K–$412K$442K

vs edgeAI estimate

+9.5%

$/sqft vs Deland actives

$190 vs $206

Days on market

32 vs 56 typical

Where $190/sqft sits among the 400 Deland actives

77
99 · this home
84
66
35
39
$147–172$172–198$198–223$223–249$249–274$274+

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 Cresswind Gardens

Drive times from this address

Downtown Orlando≈ 39 min
Universal Orlando≈ 52 min
Orlando Int’l Airport (MCO)≈ 58 min
Walt Disney World≈ 64 min

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

Get to know Deland. See the full Deland guide →

Cresswind Gardens — neighborhood snapshot

Population

1,787

Median age

66

Median income

$85,781

Median home value

$381,500

Avg household

2

Households w/ children

90%

For the school run

Volusia County School District

ElementaryFreedom Elementary School★★★★★
MiddleDeland Middle School★★★★★
HighDeland High School★★★★★

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

The numbers that matter

The Deland market

Seller’s marketLeans seller — 3.9 months of inventoryBuyer’s market

$335K → $350K

Deland median sold, yr/yr

97.6%

Sale-to-list ratio (12 mo)

242 of 400

Deland actives have cut their price

Median sold price, Deland, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 33% above the DELAND 32724 median. See the full Deland market guide →

Paper trail

This home's history

CurrentPrice reduced to $425,000 ▼ $10K
Sep 10, 2026Listed at $435,000 · 32 days on market since
2002Built · VICTORIA PARK NORTHEAST INCREMENT

Reality check

What actually sold near 114 OVERTON GARDENS LANE

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

317 BELLINGRATH TERRACESold · Feb ’26

$355,000

317 BELLINGRATH TERRACE · same community

3 bd · 2 ba · 2,240 sqft · $158/sqft · 31 DOM

401 HERON POINT WAYSold · Sep ’26

$325,000

401 HERON POINT WAY · same community

2 bd · 2 ba · 1,689 sqft · $192/sqft · 63 DOM

307 HERON POINT WAYSold · Sep ’26

$265,000

307 HERON POINT WAY · same community

2 bd · 2 ba · 1,547 sqft · $171/sqft · 129 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.

Seth Cabrera - Rothschild

Your agent

Seth Cabrera - Rothschild

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 114 OVERTON GARDENS LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 114 OVERTON GARDENS LANE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

114 OVERTON GARDENS LANE FAQs

What would the monthly payment be for 114 OVERTON GARDENS LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,761/mo — principal and interest, the actual property-tax bill, the $546/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 114 OVERTON GARDENS LANE?+

The association fee works out to $546 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 114 OVERTON GARDENS LANE?+

The most recent tax bill on record (2025) was $4,384. 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 114 OVERTON GARDENS LANE?+

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 Deland?+

At $425,000, this home is listed about 13% above the Deland median of $375,000. The market section on this page shows how the area is trending.

Which schools are assigned to 114 OVERTON GARDENS LANE?+

Freedom Elementary School (elementary), Deland Middle School (middle), Deland High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$425,000 runs 33% above the DELAND 32724 median — but at 2,238 sqft it's also 21% larger than the typical Deland listing.

02Know the monthly fee

The association fee is $546/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

03The price has already moved

Listed at $435,000, now $425,000 — a $10K cut. The full history is in the market section below.

Listing courtesy of LANE REALTY SERVICES, LLC · Pam Dean. MLS #V4951154.

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.

Never miss a listing

New Deland homes, in your inbox

Like 114 OVERTON GARDENS LANE but not quite? A daily digest of every new listing in Deland — straight from the MLS, hours after it goes live. Unsubscribe anytime.

By checking this box, I provide my prior express written consent to CENTURY 21 Edge, directly or through its affiliated real estate agents, to contact me at the telephone number(s) and email address I provide regarding my inquiry, real estate services, and marketing or promotional communications, including property listings, market updates, open houses, home value reports, and related real estate information. I authorize calls and text messages made using an automatic telephone dialing system or other automated technology and calls using prerecorded or artificial voice. I also consent to receive marketing and promotional emails. Consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages or HELP for help. I may unsubscribe from marketing emails using the unsubscribe link in any marketing email. I may revoke my consent to calls or text messages at any time using any reasonable method. Calls with CENTURY 21 Edge may be recorded. See our Privacy Policy, Terms of Use, and SMS Terms.

Just watching this one home? Ask Seth to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated October 11, 2026 at 4:40 AM UTC. The listing information on this page last changed on October 11, 2026 at 4:40 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on October 11, 2026 at 4:40 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: October 11, 2026 at 4:40 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.