CENTURY 21 Edge
$364,9003 bd2 ba1,598 sqft$228 /sqft≈$3,053 /mo all-in ↓

10 PALMETTO DUNES COURT, ORMOND BEACH, FL, 32174

Active4 days on marketListed Nov 3, 2026MLS #V4952120

✦ Priced 4% below the ORMOND BEACH 32174 medianWaterfrontPrivate poolSingle Family ResidencePINE TRAILS PH 02

About this home

10 PALMETTO DUNES COURT

Lakefront Pool Home on a Quiet Cul-de-Sac in Pine Trails! Enjoy peaceful lake views, beautiful sunrises, and the relaxing Florida lifestyle in this 3-bedroom, 2-bath concrete block home located at the end of a quiet cul-de-sac in the established Pine Trails neighborhood of Ormond Beach. Start your morning with coffee on the lanai while watching a family of ducks glide across the lake. With an inviting outdoor living space, screened solar-heated pool, and fully fenced backyard, this home offers plenty of room to relax and entertain. THE HOME Featuring 1,598 square feet of living space, this home offers an open feel with vaulted ceilings, wood-look plank flooring, and a split-bedroom floor plan. The formal living and dining rooms provide additional gathering spaces, while the family room opens directly to the screened lanai through sliding glass doors. The all-electric kitchen features granite countertops, wood cabinetry, a decorative tile backsplash, stainless steel appliances, a double sink, and breakfast-bar seating. A sliding barn door adds privacy and creates a flexible space ideal for guests, a home office, or extended family. The spacious primary suite offers direct access to the pool area and features a walk-in closet and private bathroom with an updated dual-sink vanity, corner soaking tub, and separate glass-enclosed shower. Two additional bedrooms share a full bathroom with a tub and shower combination. A separate utility room includes the washer and dryer, along with additional pantry shelving. OUTDOOR LIVING Step outside to enjoy the screened, in-ground pool heated by roof-mounted solar panels. The covered patio and open deck provide plenty of space for outdoor dining and relaxation. The outdoor kitchen, complete with a sink and granite countertops matching the interior kitchen, conveys with the home. The fully fenced backyard features white vinyl fencing along the sides and a lower, see-through fence along the back to preserve the beautiful lake views. Solar landscape lighting adds ambiance for evenings outdoors. The backyard is also ideal for pet owners. PROPERTY DETAILS Built in 1994, this concrete block and stucco home offers 3 bedrooms, 2 full bathrooms, 1,598 square feet of living space, and 2,422 square feet total under roof. The property sits on a 0.18-acre lot measuring 75 x 110 and includes an attached two-car garage. Additional features include an all-electric setup, public water and sewer, Flood Zone X designation, no CDD, and annual HOA dues of $225. The pool pump was replaced in October 2026, the pool equipment GFI was replaced, and the landscape lighting was serviced. The seller is also offering a 1-year home warranty for the buyer. LOCATION Pine Trails is conveniently located west of US-1, off Airport Road, and just down the road from Pine Trail Elementary School. Enjoy easy access to shopping, restaurants, parks, medical facilities, and I-95. The beaches are a short drive away across the Granada Bridge, with Daytona Beach, Daytona Beach International Airport, and the Speedway also within convenient driving distance. Schools include Pine Trail Elementary, Ormond Beach Middle, and Seabreeze High School. If you're looking for a home with lake views, a private pool, and a peaceful neighborhood setting, this property is worth seeing. Schedule your private showing today and experience the lakefront setting for yourself!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,598

Sqft

0.19 ac

Lot size

1994

Year built

One

Levels

$228

Per sqft

Private poolWaterfrontPool & Trees/Woods viewNegotiable55+ communityPets allowed

Inside

FlooringLaminate · Tile
AppliancesDishwasher · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric · Heat Pump
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionOther
FoundationSlab
ViewPool · Trees/Woods
FacesWest
ExteriorOutdoor Kitchen

Community & fees

HOA fee$19/mo
Taxes (2025)$2,489/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Water Connected
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.

$3,053 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$2,505
FHA mortgage insurance (est.)$161
Property tax — 2025 actual bill$207
HOA fee — from the listing$19
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,772Loan30-yr fixed at 7.5%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% · $12,772
Interest rate7.50%
Loan term

Estimated payment

$3,053/mo

Principal & interest$2,505
FHA mortgage insurance (est.)$161
Property taxes (actual bill)$207
HOA / condo fee$19
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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

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 $365K
$336KedgeAI estimate $380,778 · range $350K–$408K$424K

vs edgeAI estimate

−4.2%

$/sqft vs Ormond Beach actives

$228 vs $231

Days on market

4 vs 65 typical

Where $228/sqft sits among the 394 Ormond Beach actives

144
132 · this home
52
27
12
27
$148–210$210–272$272–334$334–396$396–458$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 Ormond Beach

Drive times from this address

Downtown Orlando≈ 69 min

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

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

ORMOND BEACH 32174 — neighborhood snapshot

Population

54,783

Median age

56.6

Median income

$71,011

Median home value

$356,800

Avg household

2.18

Households w/ children

4,865

For the school run

Volusia County School District

ElementaryPathways Elementary School★★★★★
MiddleDavid C. Hinson Senior Middle School★★★★★
HighMainland 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 — 4.3 months of inventoryBuyer’s market

$400K → $408K

Ormond Beach median sold, yr/yr

96.6%

Sale-to-list ratio (12 mo)

210 of 394

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 4% below the ORMOND BEACH 32174 median. See the full Ormond Beach market guide →

Paper trail

This home's history

Nov 3, 2026Listed at $364,900 · 4 days on market since
1994Built · PINE TRAILS PH 02

Reality check

What actually sold near 10 PALMETTO DUNES COURT

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

365 SUNSET POINT DRIVESold · Jun ’26

$340,000

365 SUNSET POINT DRIVE

3 bd · 2 ba · 1,690 sqft · $201/sqft · 17 DOM

45 NIGHTINGALE LANESold · Jul ’26

$325,000

45 NIGHTINGALE LANE

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

1905 LINVILLE ROADSold · Feb ’26

$250,000

1905 LINVILLE ROAD

3 bd · 2 ba · 1,706 sqft · $147/sqft · 0 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.

Derrion White

Your agent

Derrion White

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 10 PALMETTO DUNES COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10 PALMETTO DUNES COURT — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

10 PALMETTO DUNES COURT FAQs

What would the monthly payment be for 10 PALMETTO DUNES COURT?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,053/mo — principal and interest, the actual property-tax bill, the $19/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 10 PALMETTO DUNES COURT?+

The association fee works out to $19 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 10 PALMETTO DUNES COURT?+

The most recent tax bill on record (2025) was $2,489. 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 10 PALMETTO DUNES COURT?+

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 $364,900, this home is listed about 9% below the Ormond Beach median of $399,000. The market section on this page shows how the area is trending.

Which schools are assigned to 10 PALMETTO DUNES COURT?+

Pathways Elementary School (elementary), David C. Hinson Senior Middle School (middle), Mainland 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

01Under the ORMOND BEACH 32174 market on paper

$364,900 is 4% below the ORMOND BEACH 32174 median of $380,000, and at $228/sqft it sits under the Ormond Beach average of $262.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 4 days on market in a Ormond Beach market that averages 65 — if it fits, move quickly.

Listing courtesy of EXP REALTY LLC · Debbie Weller, PA. MLS #V4952120.

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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