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Overview

4 bd3 ba2,062 sqft2 car garageSingle Family
TypeSingle Family
HOA$660/yr
Built1981
Lot18,054 sqft
Living area2,062 sqft
Price / sqft$227
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Stone CountersThermostatVaulted Ceiling(s)Private YardStable(s)PlaygroundDishwasher

1540 Stone Trl is a 1981-built home in Stone Island Estates Unit 03, Deltona. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,062 square feet of living space. Listed at $469,000 (about $227/sqft), 149 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $660 annually.

From the listing

WATERFRONT • PRIVATE DOCK • COMPLETELY RENOVATED • NEW ROOF! Welcome to waterfront living at its best in the highly desirable Stone Island community. This beautifully renovated solid-block home has been thoughtfully reimagined from top to bottom, offering the rare combination of extensive updates, waterfront living, a private dock, and a peaceful setting. The major improvements have already been taken care of, including a brand-new roof, new A/C system, new water heater, and fully updated plumbing. The work was completed with permits and inspections, giving the next owner added peace of mind. Inside, the home feels fresh, modern, and completely move-in ready. The brand-new kitchen features quartz countertops, real wood cabinetry, full LED lighting, and high-efficiency appliances. Both bathrooms have been beautifully updated with spa-like finishes and elegant walk-in showers. The open and functional floor plan provides comfortable living spaces with a natural flow to the outdoors. Step outside and discover what truly sets this property apart. The spacious backyard leads directly to the waterfront and includes a private dock, offering the opportunity to enjoy boating, fishing, sunsets, and the peaceful surroundings of Stone Island. The upgraded marble-look driveway adds beautiful curb appeal while remaining low-maintenance and durable. Stone Island is a unique, golf-cart-friendly community located along the north shore of Lake Monroe, offering a relaxed waterfront lifestyle while remaining convenient to Central Florida. Residents enjoy amenities including a private boat ramp with lake access, tennis and pickleball courts, equestrian facilities, a playground, and a community fire pit. With easy access to Orlando and Daytona Beach, you can enjoy a quiet waterfront retreat without giving up convenience. Completely renovated. Major systems updated. Waterfront. Private dock. Stone Island. Homes offering this combination of updates and waterfront lifestyle are hard to find. Come see why this property is such a special opportunity and schedule your private showing today!

The essentials

Built
1981
Price / sqft
$227
On market
156 days
Annual tax
$3,796
HOA
$660/yr
Flood zone
AE
Lot
18,054 sqft
Type
Single Family Residence

At a glance

Single family
Built 1981
Waterfront
Canal - Freshwater
2 car garage
0.41 acres
Lot size
2,062 sqft
Living area

Payment

Est. monthly payment
$3,052/mo
Down payment (20%)
$93,800
Property taxes
$316/mo
HOA
$660/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1981
Lot
18,054 sqft
Cooling
Central Air
Heating
Central
Parking
-
Waterfront
Canal - Freshwater
Days on Market
156
Ceiling Fans(s)
Stone Counters
Thermostat
Vaulted Ceiling(s)
Private Yard
Stable(s)
Playground
Dishwasher
Microwave
Range
Refrigerator
Flood Zone AE
Annual Tax (2025)
$3,796
Parcel #
9108-04-00-0240

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
Stone Island Estates Unit 03
County
Volusia
MLS Area
32725 - Deltona / Enterprise
Lot Size
18,054 sqft
HOA
$660/yr
Wes Whited

Price history

Date
Event
Price
9/25/2026
Price change
Source: Stellar MLS #O6402804
$469,000-1.2%
$227/sqft
-
Price change
Source: Stellar MLS #O6402804
$474,900-11.6%
$230/sqft
5/6/2026
Listed for sale
Source: Stellar MLS #O6402804
$537,000
$260/sqft

Neighborhood

1540 Stone Trl
Deltona, FL, 32725 · 32725 - Deltona / Enterprise

Market insights

Offer Insights

Choose an offer strength

List price: $469,000
$467,500 – $469,000
99.5% – 100% of listTops out right at the list price
80% of listList price
163 of the last 256 home closings in 32725 landed at this number or higher (64%). The median one sat 26 days before it went under contract, and this one is on day 156 after a $68,000 cut.

Sample: 256 closed home sales in 32725 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,052/mo
Principal & interest$2,446
Property taxes$316
Insurance$235
HOA$55
Down payment20% · $93,800
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%. HOA is the fee reported on the listing. 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

$469,000

$227 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,062 sq ft

Time on market

156 days

Year built

1981

Monthly payment

About $3,052/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,796 annual tax bill, insurance, and the $660/yr HOA fee.

HOA fee

$660/yr

Managed by Wes Whited.

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

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Brokered byELITE REAL ESTATE AND PROPERTY MANAGEMENTListing agent: Jessica FalveyListing data from Stellar MLS, MLS# O6402804.

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