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Active

Active·8 days on market

490 Pine Woods Road

Ormond Beach, FL 32174

$500,000$356/sqftEst. $2,661/moMLS# 2153793

Beds

Baths

1,404

Sq Ft

1990

Built

Garage

Pool

About this home

Ormond Beach

Private 2.16-acre corner lot with canopy oak trees, your own fish-stocked pond, no HOA and no CDD! This 3-bedroom, 2-bath home offers a peaceful country setting with plenty of room to ride horses, ATVs, store boats/RVs, garden, or simply enjoy the outdoors. The kitchen features granite countertops, maple cabinetry, and newer appliances. The primary bedroom is conveniently located on the first floor, and the home also includes an inside laundry room with stackable washer/dryer included. Enjoy both a screened front porch and screened back porch overlooking the property. Additional features include new windows installed in 2010, an owned water softener, all appliances included, and a newer well, meaning no water bill. Outside, you will find a 24x24 detached 2-car garage with dirt floor, plus a large 30x40 carport perfect for RV, boat, or equipment storage.

Cost to own

Mortgage calculator

Home Price

$500,000

Down Payment: 20%

$100,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,526

Principal & Interest: $2,526

Est. Taxes & Insurance: $631

Estimated Total Monthly

$3,157

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,661

Estimated total, before insurance$2,661/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,096/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1990)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,568 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History