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Active·53 days on market

490 Pine Woods Road

Ormond Beach, FL 32174

$429,000$306/sqftEst. $2,205/moMLS# 2153793

Beds

Baths

1,404

Sq Ft

1990

Built

Garage

Pool

About this home

Ormond Beach

Escape to peaceful country living on a private 2.16-acre corner lot shaded by beautiful canopy oaks, complete with a fish-stocked pond, no HOA, and no CDD! This 3BR/2BA home offers room for horses, ATVs, boats, RVs, gardening, and outdoor living. The kitchen features granite countertops, maple cabinetry, and newer appliances. The first-floor primary bedroom adds convenience, along with an inside laundry room and included stackable washer/dryer. Relax on the screened front or back porch while enjoying the quiet rural setting. Additional features include 2010 windows, an owned water softener, newer well, and no monthly water bill. Outdoor storage includes a 24x24 detached 2-car garage and a 30x40 carport ideal for RV, boat, or equipment parking. A fully set-up 2023 Forest River Cedar Creek Cottage destination home may also be purchased separately.

Cost to own

Mortgage calculator

Home Price

$429,000

Down Payment: 20%

$85,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,205

Principal & Interest: $2,205

Insurance (est.): $286

Estimated Total Monthly

$2,491

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,205

Estimated total, before insurance$2,205/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,096/yr · $175/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

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

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