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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·110 days on market

1513 N Ocean Shore Boulevard B4

Ormond Beach, FL 32176

$439,000$296/sqftEst. $2,432/moMLS# 2151965
2
Beds
2
Baths
1,484
Sq Ft
1985
Built
1
Garage
No
Pool
FEMA Zone XHOA $1100/moWaterfrontCondominium1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Ormond Beach

Professionally remodeled with all new appliances and quartz countertops in kitchen, both baths remodeled with walk in showers. large walk in closets in both bedrooms. Storm shutters for the balcony

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,432
HOAbilled monthly$1,100
Estimated total, before insurance$3,532/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$439,000
$87,800
Loan Term
Monthly Payment
$2,432
Principal & Interest: $2,432
Insurance (est.): $293
Estimated Total Monthly
$2,724
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Concrete — year not disclosed (home built 1985)

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

Sewer · FL0026611 - Flagler Beach WWTF · Public water (record)

County records show this parcel on central sewer served by FL0026611 - Flagler Beach WWTF — no septic system to inspect or maintain.

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

Solar potential: ~1,829 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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:23 AM, sunset 6:59 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Jun 23, 2026Listed$439,000

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

Features

Price$439,000
Price / Sq Ft$296
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,484
Year Built1985
TypeResidential
Sub-TypeCondominium
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontYes
Direction FacesEast

Community Information

Address1513 N Ocean Shore Boulevard B4, Ormond Beach, FL 32176
Area625-Volusia County North-Beach
SubdivisionOrmond By The Sea
CityOrmond Beach
CountyVolusia
StateFL
Zip Code32176
Parcel Number32342600004B
ZoningCondominium

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Assigned, Garage Door Opener, Gated, Parking Lot, Underground
ViewBeach, Ocean
Waterfront TypeOcean Front

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Ceiling Fan(s), Elevator, Entrance Foyer, Guest Suite, His and Hers Closets, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Washer/Dryer Stacked, Wine Cooler
HeatingCentral, Separate Meters
CoolingCentral Air
FlooringCarpet
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
Security24 Hour Security, Key Card Entry, Secured Lobby, Security Gate
Spa FeaturesIn Ground, Heated

Exterior

Exterior FeaturesBalcony, Storm Shutters
Patio / PorchCovered
FencingWrought Iron
RoofConcrete
ConstructionConcrete
Road SurfaceAsphalt
Road FrontageCity Street, State Road

Additional Information

Date ListedJune 23, 2026
Days on Market0
HOA Fees$1,100 / Monthly
HOA FrequencyMonthly
HOA NameOrmondy condo association
HOA Fee IncludesCable TV, Insurance, Internet, Maintenance Grounds, Pest Control, Security, Sewer, Trash, Water
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EAGLES WORLD REALTY, INC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines