CENTURY 21 Edge
$349,9003 bd2 ba1,874 sqft$187 /sqft≈$2,620 /mo all-in ↓

20 WALDEN, ORMOND BEACH, FL, 32174

Active2 days on marketListed Oct 8, 2026MLS #V4951731

✦ Priced 8% below the ORMOND BEACH 32174 medianSingle Family ResidenceLAKE WALDEN COVE - THE TRAILS O.B. (2946)

About this home

20 WALDEN

One level, 1,874 square feet of interior living space, and a brand-new HVAC system. That is the short version of 20 Lake Walden Trail. This 1995 block-and-stucco home sits in Lake Walden Cove, a small pocket of single-family homes inside The Trails, one of Ormond Beach's most established and desirable communities. Three bedrooms, two baths, high ceilings, and a layout that gives you room to spread out without handing you a yard that runs your weekends. The kitchen has already been updated: tall cabinetry with glass-front uppers that use the height of the ceilings, solid-surface counters, tile backsplash, quality appliances, and an eat-in area with windows on two sides. There is a separate dining room for the nights that call for one, and the living room sits open to it all. The primary suite is set at the back of the home with a walk-in closet and a remodeled bath with new cabinetry and a tiled walk-in shower. The second bedroom near the garage comes with a built-in desk and cabinets, so your office is already built. The second bath is updated as well. The Florida room is the space that sells this house. Real windows, sliders that open all the way into the wall, climate-controlled, and included in the interior square footage. Use it as a second living room, a reading room, or the spot the dog naps in the sun. Just past it, a covered patio with a roll-down awning looks out over easy-care landscaping and a small water feature. Here is the honest pitch: if you want a half acre and an outdoor kitchen, this is not your house. If you want your living space inside, your maintenance low, and your weekends free, it is exactly your house. A few details that matter: concrete block and stucco construction with a hip roof, the combination your insurance agent likes to see. A brand-new HVAC system, the big-ticket item buyers worry about most. A two-car garage with the laundry room just inside, washer and dryer included. A well for irrigation, so the lawn is not running on city water. Then there is the location, which is half the value. The Trails gives you a community clubhouse, pool, and miles of shaded walking and biking trails. Nova Community Park is minutes away with ball fields, public tennis, basketball and handball courts, a fitness trail, a skate court, the Magic Forest Playground, and a community center with a two-court gym, a game room, and a weight room. The Trails Shopping Center handles groceries, coffee, and a good run of local restaurants, and Granada Boulevard, I-95, and the beach are all a short drive. Square footage note: interior living area of 1,874 includes the 187 square foot climate-controlled Florida room. County records list 1,687 square feet of heated area. Total area under roof, including the garage and covered porch, is 2,625 square feet. Buyers should measure and verify anything important to them. Come see it before its gone! Call today to schedule your private showing.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,874

Sqft

0.25 ac

Lot size

2

Garage

1995

Year built

One

Levels

$187

Per sqft

Tennis Court view

Inside

FlooringCarpet · Laminate · Tile
AppliancesDisposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Tray Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewTennis Court
FacesNorth
ExteriorHurricane Shutters · Irrigation System

Community & fees

HOA fee$91/mo
Taxes (2025)$1,847/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sprinkler Well · Street Lights · Water Connected
WaterPublic · Well

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.

$2,620 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property tax — 2025 actual bill$154
HOA fee — from the listing$91
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,247Loan30-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% · $12,247
Interest rate6.00%
Loan term

Estimated payment

$2,620/mo

Principal & interest$2,060
FHA mortgage insurance (est.)$155
Property taxes (actual bill)$154
HOA / condo fee$91
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 $350K
$336KedgeAI estimate $405,148 · range $372K–$417K$434K

vs edgeAI estimate

−13.6%

$/sqft vs Ormond Beach actives

$187 vs $230

Days on market

2 vs 78 typical

Where $187/sqft sits among the 380 Ormond Beach actives

140 · this home
126
48
29
13
24
$150–211$211–273$273–335$335–397$397–458$458+

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 Oak Forest

Drive times from this address

Downtown Orlando≈ 73 min

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

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

Oak Forest — neighborhood snapshot

Population

1,016

Median age

56

Median income

$81,356

Median home value

$319,792

Avg household

2

Households w/ children

97%

For the school run

Volusia County School District

MiddleOrmond Beach Middle School★★★★★
ElementaryPine Trail Elementary 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 seller — 4.5 months of inventoryBuyer’s market

$407K → $395K

Ormond Beach median sold, yr/yr

96.5%

Sale-to-list ratio (12 mo)

209 of 380

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 8% below the ORMOND BEACH 32174 median. See the full Ormond Beach market guide →

Paper trail

This home's history

Oct 8, 2026Listed at $349,900 · 2 days on market since
1995Built · LAKE WALDEN COVE - THE TRAILS O.B. (2946)

Reality check

What actually sold near 20 WALDEN

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

36 DRESDEN CIRCLESold · Feb ’26

$420,000

36 DRESDEN CIRCLE

3 bd · 2 ba · 1,867 sqft · $225/sqft · 110 DOM

19 WOODHAVEN CIRCLESold · May ’26

$495,000

19 WOODHAVEN CIRCLE

4 bd · 2 ba · 1,862 sqft · $266/sqft · 89 DOM

897 LINDENWOOD CIRCLE NSold · May ’26

$361,000

897 LINDENWOOD CIRCLE N

3 bd · 2 ba · 1,905 sqft · $190/sqft · 6 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.

Angela Rodriguez

Your agent

Angela Rodriguez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 20 WALDEN — 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 WALDEN — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

20 WALDEN FAQs

What would the monthly payment be for 20 WALDEN?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,620/mo — principal and interest, the actual property-tax bill, the $91/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 20 WALDEN?+

The association fee works out to $91 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 20 WALDEN?+

The most recent tax bill on record (2025) was $1,847. 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 WALDEN?+

The listing reports pets: Cats OK, Dogs OK. 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 $349,900, this home is listed about 13% below the Ormond Beach median of $399,900. The market section on this page shows how the area is trending.

Which schools are assigned to 20 WALDEN?+

Ormond Beach Middle School (middle), Pine Trail Elementary School (elementary), 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

01Under the ORMOND BEACH 32174 market on paper

$349,900 is 8% below the ORMOND BEACH 32174 median of $379,000, and at $187/sqft it sits under the Ormond Beach average of $262.

02Tennis Court views

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

03Fresh on the market

Only 2 days on market in a Ormond Beach market that averages 78 — if it fits, move quickly.

04Strong assigned schools

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

Listing courtesy of EXP REALTY LLC · Debbie Weller, PA. MLS #V4951731.

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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