CENTURY 21 Edge
$975,0004 bd4.5 ba4,208 sqft$232 /sqft$6,775 /mo all-in ↓

20 SPANISH OAK LANE, ORMOND BEACH, FL, 32174

Active2 days on marketListed Sep 18, 2026MLS #V4951342

Private poolSingle Family ResidenceTOMOKA PARK

About this home

20 SPANISH OAK LANE

One-of-a-kind custom-built estate home offering serene views of the Tomoka River, perfectly tucked away in the heart of Ormond Beach. Built with exceptional attention to durability, efficiency, and long-term performance, this impressive residence features a 50-year metal roof, two-story ICF (Insulated Concrete Form) exterior walls from foundation to roofline, Hardie board siding, PGT impact-rated windows and doors, and over $45,000 in fully paid solar panels. Additional recent improvements include two brand-new water heaters installed in 2026, providing added value and peace of mind for the next owner. Spanning 4,208 square feet, the home offers 4 bedrooms, 4.5 bathrooms, a 690-square-foot bonus room, private office, and an oversized 3-car garage, all situated on more than half an acre at the end of a quiet cul-de-sac. From the moment you enter the grand foyer, you're welcomed by rich Brazilian cherry wood flooring, a sweeping staircase, and a crystal chandelier suspended from the second-story ceiling. The spacious family room features a gas fireplace, custom built-in bookcases, and two crystal chandeliers with ceiling fans. The chef's kitchen is designed for both everyday living and entertaining, offering solid wood cabinetry, Silestone countertops, stainless steel appliances, double ovens, a commercial-grade six-burner gas cooktop with grill, pot filler faucet, Insta-hot faucet, breakfast bar, and an oversized walk-in pantry. Adjacent to the kitchen, the den provides a dedicated home theater experience complete with a projector, surround sound system, motorized screen, and French doors leading directly to the lanai. The formal dining room also offers French door access to the outdoor living area. The first floor is completed by a guest bedroom with en-suite bathroom, an additional full bathroom, and a convenient laundry area. Upstairs, the primary suite serves as a private retreat with its own fireplace, expansive walk-in closet with custom organizers, and a spacious en-suite bathroom featuring dual vanities, a whirlpool tub, walk-in shower with steam feature, and private balcony access overlooking the lanai and Tomoka River views beyond the trees. Two additional bedrooms are located upstairs, including one with an en-suite bathroom, along with a dedicated office, a half bathroom plumbed for a future fifth full bath, a second laundry room with utility sink hookup, and the large bonus room. The home is equipped with Nest thermostats and two 4-ton air conditioning systems, including a newer unit serving the bonus room. Additional features include solid-core 7-foot doors, a central vacuum system, extra electrical outlets throughout, updated light fixtures, ceiling fans, chandeliers, a 500-gallon LP tank supplying the fireplace, cooktop, and outdoor BBQ, a Culligan water treatment system, termite bond, and homestead exemption. Outdoor living is equally impressive with a heated saltwater pool featuring waterfalls and fountains, a newer pool heater, and a dramatic two-story screened lanai with second-floor balcony access. The property also includes a front balcony above the porch, an oversized 3-car garage with epoxy flooring, a detached storage shed ideal for a workshop, mature avocado trees, a Meyer lemon tree, an updated irrigation system, and lush landscaping throughout the oversized lot. This exceptional estate offers a rare opportunity in one of Ormond Beach's most desirable locations.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

4,208

Sqft

0.56 ac

Lot size

3

Garage

2008

Year built

Two

Levels

$232

Per sqft

Private poolFireplacePets allowed

Inside

FlooringOther · Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Microwave · Refrigerator
InteriorCeiling Fan(s) · Central Vacuum
LaundryInside · Laundry Room · Other · Upper Level
CoolingCentral Air · Zoned
HeatingCentral · Electric · Heat Pump · Zoned

Outside & construction

RoofMetal
ConstructionICFs (Insulated Concrete Forms)
FoundationSlab
FacesEast
ExteriorBalcony · French Doors · Irrigation System · Storage

Community & fees

Taxes (2025)$11,860/yr
PetsYes

Utilities & systems

UtilitiesPublic
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.

$6,775 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,261
PMI (est., until 20% equity)$366
Property tax — 2025 actual bill$988
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $97,500Loan30-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% · $97,500
Interest rate6.00%
Loan term

Estimated payment

$6,775/mo

Principal & interest$5,261
PMI (est., until 20% equity)$366
Property taxes (actual bill)$988
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

$232 vs $235

Days on market

2 vs 49 typical

Where $232/sqft sits among the 400 Ormond Beach actives

195
100 · this home
34
20
9
42
$154–232$232–309$309–387$387–465$465–543$543+

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 Hidden Hills

Drive times from this address

Downtown Orlando64 min

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

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

Hidden Hills — neighborhood snapshot

Population

677

Median age

50

Median income

$89,348

Median home value

$361,800

Avg household

2

Households w/ children

60%

For the school run

Volusia County School District

ElementaryTomoka Elementary School★★★★
MiddleDavid C. Hinson Senior Middle 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 marketLeans seller5.0 months of inventoryBuyer’s market

$407K$395K

Ormond Beach median sold, yr/yr

96.5%

Sale-to-list ratio (12 mo)

213 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 153% above the ORMOND BEACH 32174 median. See the full Ormond Beach market guide →

Paper trail

This home's history

Sep 18, 2026Listed at $975,000 · 2 days on market since
2008Built · TOMOKA PARK

Reality check

What actually sold near 20 SPANISH OAK LANE

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

70 TIMBERLAKE LANESold · Jul ’26

$400,000

70 TIMBERLAKE LANE · same community

3 bd · 2.5 ba · 1,706 sqft · $234/sqft · 9 DOM

45 NIGHTINGALE LANESold · Jul ’26

$325,000

45 NIGHTINGALE LANE · same community

3 bd · 2 ba · 1,703 sqft · $191/sqft · 236 DOM

1204 DRAYCOTT STREETSold · Jul ’26

$575,000

1204 DRAYCOTT STREET

5 bd · 3 ba · 3,430 sqft · $168/sqft · 55 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.

Shawn Headley

Your agent

Shawn Headley

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 20 SPANISH OAK 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 20 SPANISH OAK LANE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

20 SPANISH OAK LANE FAQs

What would the monthly payment be for 20 SPANISH OAK LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,775/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 20 SPANISH OAK LANE?+

The most recent tax bill on record (2025) was $11,860. 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 20 SPANISH OAK 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 Ormond Beach?+

At $975,000, this home is listed about 133% above the Ormond Beach median of $419,250. The market section on this page shows how the area is trending.

Which schools are assigned to 20 SPANISH OAK LANE?+

Tomoka Elementary School (elementary), David C. Hinson Senior Middle School (middle), Seabreeze High School (high) — 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

$975,000 runs 153% above the ORMOND BEACH 32174 median — but at 4,208 sqft it's also nearly twice the size of 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.

03Fresh on the market

Only 2 days on market in a Ormond Beach market that averages 49 — if it fits, move quickly.

04Strong assigned schools

Tomoka Elementary School, David C. Hinson Senior Middle School, Seabreeze High School — Tomoka Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of REALTY PROS ASSURED · Patti McKinley. MLS #V4951342.

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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