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Overview

4 bd5 ba4,208 sqft3 car garageSingle Family
TypeSingle Family
HOANone listed
Built2008
Lot24,480 sqft
Living area4,208 sqft
Price / sqft$232
Garage3 car

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About this home

Ceiling Fans(s)Central VaccumBalconyStorageBuilt-in OvenCooktopDishwasherMicrowave

20 Spanish Oak Ln is a 2008-built home in Tomoka Park, Ormond Beach. Inside you'll find 4 bedrooms, 5 bathrooms, and 4,208 square feet of living space. Listed at $975,000 (about $232/sqft), 22 days on market. Flood zone X* - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

One-of-a-kind custom-built estate home offering serene views of the Tomoka River, perfectly tucked away in the heart of Ormond Beach. Built with exceptional attention to durability, efficiency, and long-term performance, this impressive residence features a 50-year metal roof, two-story ICF (Insulated Concrete Form) exterior walls from foundation to roofline, Hardie board siding, PGT impact-rated windows and doors, and over $45,000 in fully paid solar panels. Additional recent improvements include two brand-new water heaters installed in 2026, providing added value and peace of mind for the next owner. Spanning 4,208 square feet, the home offers 4 bedrooms, 4.5 bathrooms, a 690-square-foot bonus room, private office, and an oversized 3-car garage, all situated on more than half an acre at the end of a quiet cul-de-sac. From the moment you enter the grand foyer, you're welcomed by rich Brazilian cherry wood flooring, a sweeping staircase, and a crystal chandelier suspended from the second-story ceiling. The spacious family room features a gas fireplace, custom built-in bookcases, and two crystal chandeliers with ceiling fans. The chef's kitchen is designed for both everyday living and entertaining, offering solid wood cabinetry, Silestone countertops, stainless steel appliances, double ovens, a commercial-grade six-burner gas cooktop with grill, pot filler faucet, Insta-hot faucet, breakfast bar, and an oversized walk-in pantry. Adjacent to the kitchen, the den provides a dedicated home theater experience complete with a projector, surround sound system, motorized screen, and French doors leading directly to the lanai. The formal dining room also offers French door access to the outdoor living area. The first floor is completed by a guest bedroom with en-suite bathroom, an additional full bathroom, and a convenient laundry area. Upstairs, the primary suite serves as a private retreat with its own fireplace, expansive walk-in closet with custom organizers, and a spacious en-suite bathroom featuring dual vanities, a whirlpool tub, walk-in shower with steam feature, and private balcony access overlooking the lanai and Tomoka River views beyond the trees. Two additional bedrooms are located upstairs, including one with an en-suite bathroom, along with a dedicated office, a half bathroom plumbed for a future fifth full bath, a second laundry room with utility sink hookup, and the large bonus room. The home is equipped with Nest thermostats and two 4-ton air conditioning systems, including a newer unit serving the bonus room. Additional features include solid-core 7-foot doors, a central vacuum system, extra electrical outlets throughout, updated light fixtures, ceiling fans, chandeliers, a 500-gallon LP tank supplying the fireplace, cooktop, and outdoor BBQ, a Culligan water treatment system, termite bond, and homestead exemption. Outdoor living is equally impressive with a heated saltwater pool featuring waterfalls and fountains, a newer pool heater, and a dramatic two-story screened lanai with second-floor balcony access. The property also includes a front balcony above the porch, an oversized 3-car garage with epoxy flooring, a detached storage shed ideal for a workshop, mature avocado trees, a Meyer lemon tree, an updated irrigation system, and lush landscaping throughout the oversized lot. This exceptional estate offers a rare opportunity in one of Ormond Beach's most desirable locations.

The essentials

Built
2008
Price / sqft
$232
On market
22 days
Annual tax
$11,860
Flood zone
X* · Low risk
Lot
24,480 sqft
Type
Single Family Residence

At a glance

Single family
Built 2008
Private pool
In Ground
3 car garage
0.56 acres
Lot size
4,208 sqft
Living area

Payment

Est. monthly payment
$6,561/mo
Down payment (20%)
$195,000
Property taxes
$988/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2008
Lot
24,480 sqft
Cooling
Central Air, Zoned
Heating
Central, Electric, Heat Pump, Zoned
Parking
-
Pool
In Ground, Salt Water, Screen Enclosure
Days on Market
22
Ceiling Fans(s)
Central Vaccum
Balcony
Storage
Built-in Oven
Cooktop
Dishwasher
Microwave
Refrigerator
Elementary
Tomoka Elem
Middle
David C Hinson Sr Middle
High
Seabreeze High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X*
Annual Tax (2025)
$11,860
Parcel #
4219-01-00-0060

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 Park
County
Volusia
MLS Area
32174 - Ormond Beach
Lot Size
24,480 sqft

Price history

Date
Event
Price
9/18/2026
Listed for sale
Source: Stellar MLS #V4951342
$975,000
$232/sqft

Neighborhood

20 Spanish Oak Ln
Ormond Beach, FL, 32174 · 32174 - Ormond Beach

Market insights

Offer Insights

Choose an offer strength

List price: $975,000
$960,000 – $975,000
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 22.

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
$6,561/mo
Principal & interest$5,085
Property taxes$988
Insurance$488
Down payment20% · $195,000
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

$975,000

$232 per sq ft

Beds and baths

4 beds, 5 baths

Size

4,208 sq ft

Time on market

22 days

Year built

2008

Monthly payment

About $6,561/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $11,860 annual tax bill, insurance.

Flood zone

Zone X*

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

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Brokered byREALTY PROS ASSUREDListing agent: Patti McKinleyListing data from Stellar MLS, MLS# V4951342.

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