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Overview

5 bd4 ba4,131 sqft2 car garageSingle Family
TypeSingle Family
HOA$95/yr
Built1989
Lot13,000 sqft
Living area4,131 sqft
Price / sqft$181
Garage2 car

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About this home

Built-in FeaturesCathedral Ceiling(s)Ceiling Fans(s)Dry BarHigh CeilingsOpen FloorplanSolid Wood CabinetsStone Counters

101 N St Andrews Dr is a 1989-built home in Tomoka Oaks Country Club Estates Unit 1b, Ormond Beach. Inside you'll find 5 bedrooms, 4 bathrooms, and 4,131 square feet of living space. Listed at $749,000 (about $181/sqft), 43 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $95 annually.

From the listing

Space, style, and peace of mind -- this Tomoka Oaks pool home checks every box. 5 bedrooms, 3 baths, and 4,053 SqFt of thoughtfully designed living space, all on a beautifully landscaped lot with a private, screened pool. Step inside to soaring wood-plank vaulted ceilings, a dramatic marble fireplace, and an open, light-filled floor plan built for entertaining. The kitchen impresses with TWO islands, bar seating, newer appliances, abundant counter space, a walk-in pantry, and a curved wet bar just steps away. The primary suite is a true retreat, with two walk-in closets and a spa-inspired bath featuring a jetted tub and walk-in shower. Major systems are already done for you: NEW ROOF (2025), TWO NEW HVAC systems, TWO NEW mini-splits, a NEW water heater -- all within the last two years -- plus a 22kW Generac whole-house generator with 250-gallon propane tank (a ~$20,000 value) for total peace of mind. Outside, the pool with water features and travertine decking sits within a screened, fully fenced backyard. Additional highlights include newer laminate plank flooring and 20" ceramic tile, etched-glass entry doors, an oversized laundry room with room for an extra refrigerator, and a 27x22 air-conditioned garage with insulated garage doors and a bonus bump-out storage. Located in the beautiful tree-lined area of Tomoka Oaks subdivision, known for larger lots and custom homes with easy access to shopping, dining, and I-95. Homes with this combination of entertainment space, updates, and lifestyle amenities usually don't last long. The seller will consider lease purchase.

The essentials

Built
1989
Price / sqft
$181
On market
43 days
Annual tax
$9,054
HOA
$95/yr
Flood zone
X · Low risk
Lot
13,000 sqft
Type
Single Family Residence

At a glance

Single family
Built 1989
Private pool
Deck
2 car garage
Garage Door Opener
0.29 acres
Lot size
4,131 sqft
Living area

Payment

Est. monthly payment
$5,043/mo
Down payment (20%)
$149,800
Property taxes
$755/mo
HOA
$95/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1989
Lot
13,000 sqft
Cooling
Central Air, Mini-Split Unit(s), Zoned
Heating
Central, Electric, Zoned
Parking
Garage Door Opener, Oversized
Pool
Deck, Gunite, In Ground, Lighting, Pool Sweep, Screen Enclosure, Tile
Days on Market
43
Built-in Features
Cathedral Ceiling(s)
Ceiling Fans(s)
Dry Bar
High Ceilings
Open Floorplan
Solid Wood Cabinets
Stone Counters
Courtyard
Street Lights
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$9,054
Parcel #
3242-10-21-0030

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
Tomoka Oaks Country Club Estates Unit 1b
County
Volusia
MLS Area
32174 - Ormond Beach
Lot Size
13,000 sqft
HOA
$95/yr
Tomoka Oaks HOA

Price history

Date
Event
Price
10/2/2026
Price change
Source: Stellar MLS #V4951037
$749,000-5.1%
$181/sqft
8/28/2026
Listed for sale
Source: Stellar MLS #V4951037
$789,000
$191/sqft

Neighborhood

101 N St Andrews Dr
Ormond Beach, FL, 32174 · 32174 - Ormond Beach

Market insights

Offer Insights

Choose an offer strength

List price: $749,000
$735,000 – $749,000
98.4% – 100% of listTops out right at the list price
80% of listList price
141 of the last 280 home closings in 32174 landed at this number or higher (50%). The median one sat 46 days before it went under contract, and this one is on day 43 after a $40,000 cut.

Sample: 280 closed home sales in 32174 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$5,043/mo
Principal & interest$3,906
Property taxes$755
Insurance$375
HOA$8
Down payment20% · $149,800
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

$749,000

$181 per sq ft

Beds and baths

5 beds, 4 baths

Size

4,131 sq ft

Time on market

43 days

Year built

1989

Monthly payment

About $5,043/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,054 annual tax bill, insurance, and the $95/yr HOA fee.

HOA fee

$95/yr

Managed by Tomoka Oaks HOA.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Have another question?

Brokered byEXP REALTY LLCListing agent: Debbie Weller, PAListing data from Stellar MLS, MLS# V4951037.

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