2018 Montero Cir, photo 1
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Overview

4 bd3 ba2,912 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1989
Lot108,900 sqft
Living area2,912 sqft
Price / sqft$211
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenVaulted Ceiling(s)BalconyDishwasherMicrowaveRangeRefrigerator

2018 Montero Cir is a 1989-built home in Lake Karnes Unplatted Acreage, Deltona. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,912 square feet of living space. Listed at $614,000 (about $211/sqft), 68 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Private Lakefront Retreat with Pool on 2.5 Acres. Wake up to peaceful lake views, spend your afternoons on the water, and end the day watching rocket launches from your pool deck. Nestled on 2.5 private acres along Theresa Lake, this beautifully updated 4-bedroom, 3-bath home delivers the space, privacy, and lifestyle you've been looking for. The heart of the home is the fully updated kitchen, featuring new cabinetry, solid-surface countertops, backsplash, and sink. The first-floor primary suite serves as a true retreat with a spa-inspired bath, oversized shower, and two-person garden tub. A wood-burning fireplace brings warmth and character to the living areas, while the upstairs loft, media room, and three additional bedrooms provide plenty of space for family, guests, and hobbies. Outside, the oversized pool and expansive new deck create the perfect setting for entertaining or simply enjoying the tranquility of lakefront living. Whether you're boating, fishing, paddleboarding, or soaking in the sunset views, Theresa Lake becomes an extension of your backyard. With significant updates including flooring downstairs, bathrooms, paint, French doors, pool equipment, and more, this move-in-ready property allows you to enjoy the lifestyle immediately. This is more than a home. It's your own private waterfront escape.

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The essentials

Built
1989
Price / sqft
$211
On market
68 days
Annual tax
$4,069
Flood zone
AE
Lot
108,900 sqft
Type
Single Family Residence

At a glance

Single family
Built 1989
Water views
Water
Private pool
In Ground
2 car garage
2.50 acres
Lot size

Payment

Est. monthly payment
$3,848/mo
Down payment (20%)
$122,800
Property taxes
$339/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1989
Lot
108,900 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
In Ground
Days on Market
68
Ceiling Fans(s)
Eat-in Kitchen
Vaulted Ceiling(s)
Balcony
Dishwasher
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$4,069
Parcel #
8127-00-00-0021

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Lake Karnes Unplatted Acreage
County
Volusia
MLS Area
32738 - Deltona / Deltona Pines
Lot Size
108,900 sqft

Price history

Date
Event
Price
10/2/2026
Price change
Source: Stellar MLS #NS1088909
$614,000-3.2%
$211/sqft
-
Price change
Source: Stellar MLS #NS1088909
$634,000-2.3%
$218/sqft
8/4/2026
Listed for sale
Source: Stellar MLS #NS1088909
$649,000
$223/sqft

Neighborhood

2018 Montero Cir
Deltona, FL, 32738 · 32738 - Deltona / Deltona Pines

Market insights

Offer Insights

Choose an offer strength

List price: $614,000
$610,000 – $614,000
99.5% – 100% of listTops out right at the list price
80% of listList price
148 of the last 256 home closings in 32738 landed at this number or higher (58%). The median one sat 23 days before it went under contract, and this one is on day 68 after a $35,000 cut.

Sample: 256 closed home sales in 32738 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,848/mo
Principal & interest$3,202
Property taxes$339
Insurance$307
Down payment20% · $122,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$614,000

$211 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,912 sq ft

Time on market

68 days

Year built

1989

Monthly payment

About $3,848/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,069 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byEXIT REAL ESTATE PROPERTY SOLListing agent: Jessica GramigListing data from Stellar MLS, MLS# NS1088909.

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