Single Family Residence in Harborside, South Daytona · No CDD on record
Harborside · South Daytona, FL 32119 · Volusia County
Listing data updated October 3, 2026 · refreshed hourly
4Bedrooms
3Bathrooms
2,298Sq Ft
1999Year Built
$74Per Sq Ft
2-car garageNo CDD on recordFEMA Zone X4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
61% below
$/sq ft vs community
$74 here vs $192 median sold (12 mo)
Buyer leverage
Seller-leaning
2.4-month supply
2.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~8 ft elevation
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 12
Price vs recent sales
Asking $170k is at or below all 12 recent closed sales
As of October 3, 2026, 128 Spinnaker Circle in Harborside, South Daytona is listed at $170,000 (2,298 sq ft, about $74 per sq ft). It came to market within the past week. Listing facts: built in 1999, HOA dues of $19/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1999 · 27 yrs
2,298 sq ft of living area
2-car garage
Listed at $170,000 — recent neighborhood median sale price ~$355,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $19/mo (per listing)
Listing description
About this home
SHORT SALE OPPORTUNITY! Spacious 4-bedroom, 3-bath pool home located in the heart of South Daytona. This property offers a functional floor plan with generous living areas and plenty of space for family, guests, or a home office.
Step outside to your private backyard retreat featuring a screened pool and hot tub, perfect for entertaining or relaxing year-round. Conveniently located near shopping, dining, schools, parks, and just minutes from the beach. Great opportunity for buyers looking to add their personal touches and build equity.
Property is being sold as a short sale and is subject to third-party approval. All measurements are approximate and should be independently verified.
All 7 photos
Description provided by RE/MAX Advantage 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.
Listing facts MLS
List price$170,000
Bed / bath4 / 3
Living area2,298 sq ft
Year built1999
Property typeSingle Family Residence
Garage2-car
MLS #1227854
Listing statusPending
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~8 ft
CountyVolusia
Area listings1 active · 1 under contract
Estimated first-year tax~$2,300/yr
CDD assessmentNone on record
HOA$19/mo
Calculated estimates
Price per sq ft$74
Estimated monthly payment$1,218
Insurance (illustrative)$500–$2k/yr
Messtimate range$413,640 – $565,308
Comparable-sales median$355,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$1,218/mo
Principal & interest $931/mo76%
Taxes $192/mo16%
Insurance $77/mo6%
HOA $19/mo2%
$1,218/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Volusia County rate (19.21 mills, adopted 2025 millage). Not a bill.
Current owner’s estimated bill $7,250/yr ($604/mo) — taxable value $377,373 × 19.21 mills
$4,950 less each year
(−68%)
The current taxable value ($377,373) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
$377,373
Market value
$377,373
Assessed
$377,373
Taxable
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.
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.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$500–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$19/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~8 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
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.
Hazard risk
Natural hazard risk
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.
HurricaneVery High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively High
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Low
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.
Connectivity
Internet & broadband
Fiber
Check availability
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
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Harborside Village
Pricing & the Harborside Village market
How this home is priced against recent nearby sales, and where Harborside Village has been over 25 years. Momentum Research analysis of DBAMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
1999BuiltPer public record
Jul 2, 2026First seen on movewithmomentum.comObserved at $170,000
NowUnder contractCurrently pending
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.
Transparency
Price & listing history
Listed for $170,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Harborside 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.
Sold Nov 2025
$355,000
121 Spinnaker Circle, South Daytona
3 / 2 bd/ba · 1,970 sq ft · $180/sq ft
Courtesy of Reel In Realty LLC · View details →
Sold Nov 2025
$355,000
121 Spinnaker Circle, South Daytona
3 / 2 bd/ba · 1,970 sq ft · $180/sq ft
Courtesy of Reel In Realty LLC · View details →
Sold Oct 2025
$440,000
26 Spinnaker Circle, South Daytona
3 / 2 bd/ba · 1,790 sq ft · $246/sq ft
Courtesy of Realty Pros Assured · View details →
Sold Oct 2025
$440,000
26 Spinnaker Circle, South Daytona
3 / 2 bd/ba · 1,790 sq ft · $246/sq ft
Courtesy of Realty Pros Assured · View details →
Sold Jun 2026
$335,000
5 Jib Drive, South Daytona
3 / 2 bd/ba · 1,743 sq ft · $192/sq ft
Courtesy of Keller Williams Realty Florida Partners · View details →
Sold Jun 2026
$335,000
5 Jib Drive, South Daytona
3 / 2 bd/ba · 1,743 sq ft · $192/sq ft
Courtesy of Keller Williams Realty Florida Partners · View details →
Median of these 6 sales: $355,000 ($192/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
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.
$413,640the mess$565,308
Stronger local evidence — 6 comparable closed sales in Harborside, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $170,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 37% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1999 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $19/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
2 active listings competing, 1 under contract
≈2.4 months of supply
5 closed here in the last 12 months
For reference, this home is listed at $170,000 ($74/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,298 sq ft × $180–$246/sq ft (interquartile band of 6 comparable closed sales in Harborside, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 3, 2026.
Momentum Scores
Momentum Property Score
85/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
85/100 is exceptional 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.
Price vs area100
This home $74/sq ft vs the community 12-month median $192/sq ft.
Affordability100
List price $170,000 vs the community median $355,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~8 ft elevation. Verify the parcel with FEMA.
Insurance cost68
From FEMA Zone X and a 1999 build. Obtain a property-specific quote.
Market liquidity66
Community inventory, ~2.4 months of supply (12-month record).
Coverage: 5 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.
Momentum Research
The Momentum read
🟡 Asking $74 per square foot, about 61% below the community’s $192 median. Harborside Village’s 12-month median sold price per square foot is $192. 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 1 active listings in Harborside Village, no CDD assessment.
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by RE/MAX Advantage · MLS # 1227854
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Keep looking
Similar homes for sale near Harborside
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Palm Coast OKs land sale for 36 bed rehabilitation hospital
The Palm Coast City Council, acting as the State Road 100 redevelopment agency board, approved the sale of about 8.5 acres of city owned land to Sanders Trust LLC on July 21, 2026 for a proposed 36 bed inpatient rehabilitation hospital. ClearSky Health would operate the roughly 31 million dollar facility, which must still go through standard development review and permitting before construction.
Why it matters: A new inpatient rehabilitation hospital planned on former city land would add a healthcare facility along the State Road 100 commercial corridor and put an underused parcel into active use, expanding the institutional and commercial building stock. The project is about 22 miles northwest of Harborside South Daytona, elsewhere in Flagler County.
Flagler County advances 35 million dollar beach renourishment
Flagler County is working to award a contract for a roughly 35 million dollar beach renourishment project covering about 5.5 miles of northern county shoreline from Flagler Beach to Varn Park. The project, largely funded by state and FEMA grants, faces a tight deadline with some property easements still unsigned, and a final decision was scheduled for the August 3, 2026 commission meeting.
Why it matters: A large beach renourishment effort would rebuild eroded shoreline and dune systems and help protect the coastal stretch of State Road A1A, supporting the stability of oceanfront property and public beach access. The project is about 24 miles north of Harborside South Daytona, elsewhere in Flagler County.
Flagler County adopts one year data center moratorium
Flagler County commissioners unanimously adopted a one year moratorium on new data center siting in unincorporated areas at their July 13, 2026 meeting. Officials said the pause allows staff to develop zoning and land use standards for the emerging industry.
Why it matters: A one year pause on new data center siting in unincorporated areas holds large industrial land uses in place while the county drafts zoning and land use standards, keeping the current pattern of available industrial and commercial land unchanged for now. The project is about 24 miles northwest of Harborside South Daytona, elsewhere in Flagler County.
Palm Coast approves an 82,000-square-foot warehouse complex where Alleima will expand
Palm Coast approved a two-building, 82,000-square-foot warehouse complex on 7.5 acres at 5 Commerce Boulevard in June 2026. Manufacturer Alleima will occupy one building and add 30 to 50 employees, with the second building marketed to other industrial tenants.
Why it matters: New industrial space and manufacturing jobs in Palm Coast strengthen the local employment base, a factor that can support housing demand nearby. The project is about 27 miles northwest of Harborside South Daytona, elsewhere in Flagler 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.
GRADEB
South DaytonaAssigned elementary school · Volusia County School District · Grade B (Florida DOE 2025-26)
GRADEB
Silver SandsAssigned middle school · Volusia County School District · Grade B (Florida DOE 2025-26)
GRADEA
AtlanticAssigned high school · Volusia County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 128 Spinnaker Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1999 (27 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $19/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Volusia County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,298 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $2,300/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,950 less per year than the current owner’s estimated bill (−68%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
DBAAR, refreshed hourly (last: October 3, 2026)
Comparable sales
DBAAR closed sales in Harborside, last 18 months, as of July 14, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
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.
Answered before you ask
Frequently asked questions
How big is 128 Spinnaker Circle and when was it built?
Per the listing record, 128 Spinnaker Circle was built in 1999 and has 2,298 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 128 Spinnaker Circle in?
128 Spinnaker Circle is in Harborside in South Daytona, Volusia County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 128 Spinnaker Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $19 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 128 Spinnaker Circle differ from the current owner's?
The estimate on this page (about $2,300 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,950 less per year than the current owner’s estimated bill (−68%). 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.
Is 128 Spinnaker Circle in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
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.
Ready when you are
See 128 Spinnaker Circle in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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.
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.
