This home is in Atlantic Shores, Ormond Beach.

1 / 23

Active

Active·133 days on market·Atlantic Shores

89 S Atlantic Avenue 204

Ormond Beach, FL 32176

$265,000$221/sqftEst. $1,351/moMLS# 2134955

Beds

Baths

1,200

Sq Ft

1979

Built

Garage

Pool

About this home

Atlantic Shores

****LOOK *** BEST VALUE DIRECT OCEANFRONT Paradise in Ormond Beach, Florida! Well-maintained unit. This 2-bedroom, 2-bath condo offers breathtaking oceanfront and intracoastal views from a private balcony. Located on the 2nd floor, you'll wake up to stunning sunrises and relax to serene sunsets. Recent updates include a new HVAC system, a beautifully renovated pool deck featuring new railings and beach steps, and bedroom carpeting that looks like new. The 89 Oceanfront community features a welcoming lobby, a versatile event room, and a friendly atmosphere with regular social events like beach bonfires and card games. Enjoy the best parking spot in the building--Parking Lot #41--located in the lower garage near the lobby for unmatched convenience. This unit is perfect for gradual updates while benefiting from its growing value. Within walking distance to shops, restaurants, and coffee spots, this condo delivers the ultimate beachfront lifestyle.

Cost to own

Mortgage calculator

Home Price

$265,000

Down Payment: 20%

$53,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,351

Principal & Interest: $1,351

Insurance (est.): $177

Estimated Total Monthly

$1,528

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$1,351

HOAbilled monthly$999

Estimated total, before insurance$2,350/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,040/yr · $337/mo

• 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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,040/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Tar/Gravel — year not disclosed (home built 1979)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · FL0020532 ORMOND BEACH WWTF · Public water (record)

County records show this parcel on central sewer served by FL0020532 ORMOND BEACH WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,703 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 home

As of July 2026, this 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.

History

Price & status history

Mar 14, 2026Listed$265,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$265,000

Price / Sq Ft$221

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,200

Acres1.19 acres

Year Built1979

TypeResidential

Sub-TypeCondominium

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

Community Information

Address89 S Atlantic Avenue 204, Ormond Beach, FL 32176

Area626-Volusia County South-Beach

SubdivisionAtlantic Shores

CityOrmond Beach

CountyVolusia

StateFL

Zip Code32176

Lot Size51,836.4 sq ft

Parcel Number42142600B040

ZoningCondominium

Amenities

AmenitiesBarbecue, Beach Access, Cable TV, Children's Pool, Clubhouse, Laundry, Management - Part Time, Management- On Site, Security, Trash

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Assigned, Community Structure, Covered, Garage, Guest, Parking Lot

ViewBeach, Bridge(s), City, Intracoastal, Ocean, Pool

Waterfront TypeOcean Access, Ocean Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Elevator, Entrance Foyer, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Range, Freezer, Microwave, Refrigerator, Washer/Dryer Stacked

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsThree Or More

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Security24 Hour Security, Closed Circuit Camera(s), Entry Phone/Intercom, Fire Alarm, Fire Sprinkler System, Secured Elevator, Security Lights, Smoke Detector(s)