CENTURY 21 Edge
$924,9003 bd2.5 ba2,774 sqft$333 /sqft≈$6,360 /mo all-in ↓

105 PINE CREEK TRAIL, ORMOND BEACH, FL, 32174

Active1 days on marketListed Nov 6, 2026MLS #V4952166

Private poolSingle Family ResidencePINE CREEK ESTATES 31-13-32

About this home

105 PINE CREEK TRAIL

It's hard to describe this entirely custom, gorgeous country estate, but once you see it you will be hooked! The owner lovingly designed this home from Day One for their family, and it truly shows in the pride of ownership, so much so that it must be seen to be fully appreciated - from the shake shingles, to the dedicated workshop, to the koi pond, to the courtyard and pool, to the one-acre private lot, there is something to behold for every buyer who has ever wanted time in the country. From the impressive drive in to the quiet, yet central, neighborhood, you see the beautiful, one-acre lot with mature trees and plantings located on a corner, the cozy front porch with room for your rocking chairs, and the two-story residence and detached garage with a very functional in-law suite (full kitchen, bathroom, and living area, as well as bedrooms). There are four bedrooms in the main house, not including the extra space in the in-law suite. The cozy, country feeling of the home welcomes you with expansive wood floors, high ceilings, warm colors, and four bedrooms (or three bedrooms and a large bonus room that has a closet), plus a dedicated office. The kitchen is a cook's dream with the center island, double ovens, large sink, and amazing pantry. There is an eat-in kitchen overlooking the pool and easy access to the pool from the kitchen area for entertaining and dining outside. There are tons of cabinets to store all your cookware and china, and a functional, open floorplan that provides for entertaining. The indoor laundry room is large and functional and is located right off the kitchen. The primary bedroom is large enough to hold all your furniture, and features private access to the screened and covered pool, a large primary bathroom, and a walk-in closet that will be the envy of your friends. Upstairs you'll find another full bathroom and two bedrooms, as well as a bonus room/fourth bedroom with a closet that could also be used as a workout room, an office, a kids' play room or anything else you desire, thanks to its large size. The custom, covered and screened pool has a shelf for the little ones, as well as a rope swing for the big kids and adults. This is truly a family home that welcomes all ages and has for many years, for holiday celebrations, parties and just enjoying a Sunday together by the pool. The detached garage contains a private office area, and the upstairs in-law quarters, as well, which is not included in the main house square footage and could be a source of extra income if desired. This house is fully equipped with a custom rainwater system that provides fresh drinking water, provides all the water to the home, provides pool water, and comes from a unique cistern/aquifer located under the detached part of the home that collects clean, efficient rainwater every time it rains. It is easy to service, and an amazing advantage the owners have always enjoyed. (There is a functioning well that can be tapped into, if that is desired over the full rainwater system, however.).

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,774

Sqft

1 ac

Lot size

2008

Year built

Two

Levels

$333

Per sqft

Private poolFireplace

Inside

FlooringCarpet · Tile · Hardwood
AppliancesDishwasher · Gas Cooktop · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionWood Frame · Wood Siding
FoundationSlab
FacesWest
ExteriorFire Pit · Private Yard

Community & fees

Taxes (2025)$393/yr

Utilities & systems

UtilitiesPublic · Sewer Connected · Water Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$6,360 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$5,820
PMI (est., until 20% equity)$347
Property tax — 2025 actual bill$33
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $92,490Loan30-yr fixed at 7.5%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% · $92,490
Interest rate7.50%
Loan term

Estimated payment

$6,360/mo

Principal & interest$5,820
PMI (est., until 20% equity)$347
Property taxes (actual bill)$33
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.

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 $925K
$623KedgeAI estimate $721,602 · range $649K–$743K$962K

vs edgeAI estimate

+28.2%

Days on market

1 vs 65 typical

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 Pine Creek Estates

Drive times from this address

Downtown Orlando≈ 68 min

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

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

Pine Creek Estates — neighborhood snapshot

Population

178

Median age

55

Median income

$109,485

Median home value

$399,400

Avg household

2

Households w/ children

10%

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 — 4.3 months of inventoryBuyer’s market

$400K → $408K

Ormond Beach median sold, yr/yr

96.6%

Sale-to-list ratio (12 mo)

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

This home is listed 143% above the ORMOND BEACH 32174 median. See the full Ormond Beach market guide →

Paper trail

This home's history

Nov 6, 2026Listed at $924,900 · 1 days on market since
2008Built · PINE CREEK ESTATES 31-13-32

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.

Kathy Miller

Your agent

Kathy Miller

real estate agent · CENTURY 21 Edge

Tours, negotiation, and every question about 105 PINE CREEK TRAIL — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 105 PINE CREEK TRAIL — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

105 PINE CREEK TRAIL FAQs

What would the monthly payment be for 105 PINE CREEK TRAIL?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $6,360/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 105 PINE CREEK TRAIL?+

The most recent tax bill on record (2025) was $393. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Ormond Beach?+

At $924,900, this home is listed about 132% above the Ormond Beach median of $399,000. The market section on this page shows how the area is trending.

Which schools are assigned to 105 PINE CREEK TRAIL?+

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

01Positioned at the premium end

$924,900 runs 143% above the ORMOND BEACH 32174 median — but at 2,774 sqft it's also 55% larger than 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 1 day on market in a Ormond Beach market that averages 65 — 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 SIMPLY REAL ESTATE · Kelly Ferguson. MLS #V4952166.

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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