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Sold·Closed Jul 14, 2025·22 days on market
28 Spanish Waters Drive
Ormond Beach, FL 32176
About this home
Ormond Beach
Indulge in coastal living! Stylish 3BR/2BA coastal retreat with short distance to private beach access. Enjoy resort-style living with a waterfall pool, tall lanai, fire pit, Zen garden & courtyard. Mature low-maintenance gardens offer privacy. Vaulted ceilings, natural light, tile & wood-look floors, niches, and neutral décor throughout. Gourmet kitchen with LG/KitchenAid appliances, convection oven, stone counters, dual wine fridge, 2 pantries & pool view breakfast nook. Spa-like primary suite has Jacuzzi tub, large walk-in shower, dual vanities, built-ins, closet dresser units & lanai access. Great room with display wall & lighting. Fully enclosed 170 sq ft sunroom. Flexible 3rd BR/office with closet. Laundry room with LG washer/dryer & cabinets. Oversized 2-car garage with epoxy floor, custom built-in cabinets & sink. Roof has 19+ years left. Coastal A/C, tankless water heater, multi speed pool pump. Low HOA. Near Publix, parks, shops & restaurants. Beachside living at its best!
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Concrete — year not disclosed (home built 1993)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,745 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Fort Matanzas south accessabout 27 mi · 40 parking spaces
Closest park or preserve
Pellicer Creek Conservation Areaabout 23 mi · 3.7 mi of trails
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2023 property taxes (current owner): $4,067/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $241/sq ft; this home is listed at $334/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 18 Buckingham Drive, Ormond Beach, FL 32176Listed by COLDWELL BANKER VANGUARD REALTY | Apr 2026 | $420,000 | $226 | 3/2 | 1,858 | 159 | 0.3 |
| 1515 N Beach Street, Ormond Beach, FL 32174Listed by DJ & LINDSEY REAL ESTATE | Mar 2026 | $449,450 | $164 | 6/3 | 2,748 | 19 | 1.5 |
| 156 Capri Drive, Ormond Beach, FL 32176Listed by INI REALTY | Jun 2026 | $700,000 | $328 | 3/2.5 | 2,133 | 371 | 1.8 |
| 867 N Halifax Drive, Ormond Beach, FL 32176Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Jun 2025 | $560,000 | $235 | 4/2.5 | 2,385 | 332 | 2.5 |
| 2 Oscelot Court, Ormond Beach, FL 32174Listed by FLORIDA HOMES REALTY & MTG LLC | May 2026 | $549,000 | $241 | 3/2 | 2,280 | 4 | 2.6 |
| 5 Seabridge Drive, Ormond Beach, FL 32176Listed by MOMENTUM REALTY | Apr 2026 | $422,000 | $265 | 3/2 | 1,590 | 181 | 2.6 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HOMECOIN.COM
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 14, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines