Sources: DBAAR (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 10, 2026, 101 N St Andrews Drive in Tomoka Oaks Cntry Club Estates Un, Ormond Beach is listed at $749,000 (4,053 sq ft, about $185 per sq ft). It has been 42 days on market. Listing facts: built in 1989, HOA dues of $8/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Space, style, and peace of mind -- this Tomoka Oaks pool home checks every box. 5 bedrooms, 3 baths, and 4,053 SqFt of thoughtfully designed living space, all on a beautifully landscaped lot with a private, screened pool. Step inside to soaring wood-plank vaulted ceilings, a dramatic marble fireplace, and an open, light-filled floor plan built for entertaining.
The kitchen impresses with TWO islands, bar seating, newer appliances, abundant counter space, a walk-in pantry, and a curved wet bar just steps away. The primary suite is a true retreat, with two walk-in closets and a spa-inspired bath featuring a jetted tub and walk-in shower. Major systems are already done for you: NEW ROOF (2025), TWO NEW HVAC systems, TWO NEW mini-splits, a NEW water heater -- all within the last two years -- plus a 22kW Generac whole-house generator with 250-gallon propane tank (a ~$20,000 value) for total peace of mind.
Outside, the pool with water features and travertine decking sits within a screened, fully fenced backyard. Additional highlights include newer laminate plank flooring and 20" ceramic tile, etched-glass entry doors, an oversized laundry room with room for an extra refrigerator, and a 27x22 air-conditioned garage with insulated garage doors and a bonus bump-out storage. The Seller will consider lease purchase.
Located in the tree-lined section of Tomoka Oaks subdivision, known for larger lots and custom homes with easy access to shopping, dining, and I-95. Homes with this combination of entertainment space, updates, and lifestyle amenities usually don't last long.
Description provided by EXP Realty LLC and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
$5,666/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Daytona Beach Area AR; millage: Volusia County School Board FY2025-26 adopted millage 5.279 (RLE 3.027); adopted 2025-09-09. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Volusia County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
FEMA National Risk Index for Volusia County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
How this home is priced against recent nearby sales, and where Tomoka Oaks has been over 25 years. Momentum Research analysis of DBAMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
List $/sq ft against recent nearby closed sales; the community median is marked.
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $740,000 ($209/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $749,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 57% spread on the same house — and that gap is exactly what an automated guess can't see:
And here's what the live market is doing — which the number above ignores entirely:
For reference, this home is listed at $749,000 ($185/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 4,053 sq ft × $162–$254/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 10, 2026.
63/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 3 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Balanced conditions around this listing. 3.1 months of supply in the surrounding market and 42 days on market for this home, against a 35-day area median.Days on market:this home 42Area median: 35 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. © 2026 Daytona Beach Area Association of REALTORS®, Inc. As of July 12, 2026.
🟡 Asking $185 per square foot, about 11% below the community’s $209 median. Tomoka Oaks’s 12-month median sold price per square foot is $209. MLS facts: DBAAR closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 7 active listings in Tomoka Oaks, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by EXP Realty LLC · MLS # 1230236
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Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
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Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
The council approved grants including $2.5 million each for Edgewater, Daytona Beach and the D Ranch Preserve nature center, plus a 250-foot Halifax River pier in Holly Hill, a boat dock in New Smyrna Beach, a DeBary splash pad and Port Orange's Willow Run Park.
Why it matters: Funds new waterfront access and park amenities across several Volusia communities. The site is about 4 miles southeast of Tomoka Oaks.
Germfree, B. Braun, Teledyne, Embler Control Systems, Bylight, Pall Corporation and the Electrical Training Alliance will recruit at the Advanced Technology College on Williamson Boulevard in Daytona Beach. The fair runs 2:30 to 5:30 p.m., with a morning session for Volusia high school students.
Why it matters: Shows active hiring by regional manufacturing and technology employers. The site is about 8 miles south of Tomoka Oaks.
Route 61X adds weekday service between the Transfer Plaza and the DeLand ITF via I-4, while Routes 33 and 70 are discontinued. A new VoRide Sunday zone in the Daytona Beach area replaces fixed Sunday service on Routes 3, 4, 10 and 15. The County Council approved the changes on June 16.
Why it matters: Changes commute options between Daytona Beach and DeLand and shifts some service to on-demand rides. The site is about 7 miles southeast of Tomoka Oaks.
The council voted 5-0 on Sept. 15 to deny a bid protest, keeping the $14.4 million contract with Gregori Construction for the Cambridge Canal and Pump Station upgrade. It is the city's largest stormwater project and aims to reduce flooding and tidal impacts. A formal contract award returns to the council.
Why it matters: Stormwater capacity upgrades bear on flood-risk management for nearby Port Orange areas. The project is about 12 miles southeast of Tomoka Oaks, elsewhere in Volusia County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Volusia County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 101 N St Andrews Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
| Listing record | DBAAR, checked against the MLS hourly (last: October 10, 2026) |
| Comparable sales | DBAAR closed sales within about 3 miles, last 18 months, as of July 12, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of DBAAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Per the listing record, 101 N St Andrews Drive was built in 1989 and has 4,053 sq ft of living area, 5 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
101 N St Andrews Drive is in Tomoka Oaks Cntry Club Estates Un in Ormond Beach, Volusia County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
The listing reports HOA dues of $8 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
The estimate on this page (about $13,425 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,950 more per year than the current owner’s estimated bill (+28%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Daytona Beach Area Association of REALTORS® Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Daytona Beach Area Association of REALTORS®. © 2026 Daytona Beach Area Association of REALTORS®, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.
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Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
