3078 Blue Bonnet Lane, Osteen, FL 32764
Sources: DBAAR (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 12, 2026, 3078 Blue Bonnet Lane in Vineland Reserve, Osteen is listed at $309,000 (1,330 sq ft, about $232 per sq ft). It has been 108 days on market. Listing facts: built in 2023, HOA dues of $110/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 2023 · 3 yrs
- 1,330 sq ft of living area
- 2-car garage
- Listed at $309,000 — recent neighborhood median sale price ~$340,000 (nearby sales; deemed reliable, not an appraisal)
- 108 days on market
- HOA $110/mo (per listing)
About this home
SELLERS ARE MOTIVATED and open to helping with closing costs with reasonable offer! BUYER INCENTIVE also Available! Purchase this home using the seller's preferred lender and you may qualify for up to a 2-1 interest rate buydown helping reduce your monthly payment during the first two years.
Built in 2023 this immaculately maintained 3-bedroom, 2-bath home with a spacious 2 car garage offers the perfect blend of comfort, convenience, and modern living in a welcoming community. As soon as you walk through the front door, you're greeted by a sense of openness and ease. Natural light pours into the main living area, highlighting the clean lines, neutral colors, and spacious layout that instantly make the home feel warm and welcoming.
Wood-plank tile flooring flows seamlessly through the main living areas and bathrooms, while the bedrooms feature upgraded carpet with premium padding for added warmth and comfort. The heart of the home is the stunning kitchen with white cabinetry, stylish backsplash, stainless steel appliances, a large center island naturally drawing family and friends together. Whether it's morning coffee, helping with homework, or hosting holiday gatherings, the space feels designed for connection.
The seamless flow between the kitchen, dining area, and living room creates an inviting atmosphere where everyone can be together while still enjoying plenty of room to spread out. The split-bedroom layout provides privacy, while the generous primary suite offers a peaceful retreat featuring a large walk-in closet and a beautifully appointed ensuite bathroom with a glass shower enclosure, fully tiled shower and double vanity with solid surfaces. Tucked away from the primary suite, Bedrooms 2 and 3 provide their own private wing of the home and feature ample closet space, abundant natural light, and flexible layouts that can easily accommodate children's rooms, guest quarters, a home office, hobby room, or fitness space.
The second full bathroom is located between the two bedrooms and includes a tub shower combo with upgraded tile finishes and solid surface vanity. Perfectly positioned between Orlando and Daytona Beach, and just minutes from SR-415, Florida's beautiful beaches, nature trails, shopping, dining, and everyday conveniences, this exceptional home offers more than just a place to live... it offers a lifestyle.
Located adjacent to Volusia County's only vineyard and the historic Pell Nursery, you'll enjoy a unique blend of small-town charm, modern convenience, and Florida living at its finest. NO FLOODZONE! Minutes to Osteen Elementary, a top A-Rated school!!
Families will appreciate the welcoming community atmosphere, nearby schools, parks, playgrounds, and amenities that make this neighborhood an ideal place to put down roots and create lasting memories. The sellers truly love that children in the community play together and have said how wonderful their neighbors are. Residents also enjoy access to resort-style community amenities, creating additional opportunities for recreation, relaxation, and connection with neighbors.
Impeccably maintained, thoughtfully upgraded, and priced to sell, this is a rare opportunity to own a like-new home without the wait of new construction. From the open-concept design and beautifully appointed kitchen to the spacious living areas and private owner's retreat, every detail has been crafted for comfortable everyday living.
All 53 photos
Description provided by EXP Realty LLC and reproduced from the MLS; not independently verified.
Every fact, sourced
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $1,712/mo 74%
- Taxes $415/mo 18%
- Insurance $88/mo 4%
- HOA $110/mo 5%
$2,324/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
✓ Certified county tax rollProperty 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.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
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.
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.
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.
Internet & broadband
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.
Pricing & the Vineland Reserve market
How this home is priced against recent nearby sales, and where Vineland Reserve 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.
This home’s history
- 2023BuiltPer public record
- About Jun 2026Listed (per MLS)MLS reports 108 cumulative days on market as of October 12, 2026
- Jul 2, 2026First seen on movewithmomentum.comObserved at $324,900
- Aug 4, 2026Price cut$316,900 (-$8,000, -2.5%)
- Aug 22, 2026Price cut$310,000 (-$6,900, -2.2%)
- Oct 1, 2026Price cut$309,000 (-$1,000, -0.3%)
- NowActiveCurrently for sale
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.
Price & listing history
Building permits
Comparable recent sales
3 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 3 sales: $340,000 ($217/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
Directional estimate — 3 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: $309,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — this home carries HOA dues of $110/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:
- 7 active listings competing
- ≈18.0 months of supply
- 4 closed here in the last 12 months
For reference, this home is listed at $309,000 ($232/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: 1,330 sq ft × $191–$243/sq ft (±12% around the median of 3 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 12, 2026.
Momentum Property Score
62/100 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: 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.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 18.0 months of supply in the surrounding market and 108 days on market for this home, against a 16-day area median.Days on market:this home 108Area median: 16 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 $232 per square foot, about 7% above the community’s $217 median. Vineland Reserve’s 12-month median sold price per square foot is $217. 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 3 active listings in Vineland Reserve, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by EXP Realty LLC · MLS # 1228040
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Similar homes for sale near Vineland Reserve
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.
Newest listings in Vineland Reserve
- 483 Remick Street · $308,990 · 4 bd / 2.5 ba · listed September 26, 2026 (courtesy of D R Horton Realty of Central Florida)
- 494 Remick Street · $308,990 · 4 bd / 2.5 ba · listed September 26, 2026 (courtesy of D R Horton Realty of Central Florida)
- 502 Remick Street · $308,990 · 4 bd / 2.5 ba · listed September 26, 2026 (courtesy of D R Horton Realty of Central Florida)
- 526 Remick Street · $306,990 · 4 bd / 2.5 ba · listed September 26, 2026 (courtesy of D R Horton Realty of Central Florida)
- 3096 Blue Bonnet Lane · $405,000 · 4 bd / 2.5 ba · listed September 16, 2026 (courtesy of RE/MAX Signature)
Recently off market in Vineland Reserve
- 490 Remick Street · last listed $312,990 · 2026-09-27
- 531 Remick Street · 2026-09-10
Just listed: new homes for sale in Volusia & Flagler in the last 48 hours · updated hourly · RSS · Volusia & Flagler market today: new listings, price cuts, pendings
More on Vineland Reserve
Go deeper on Vineland Reserve
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.
Assigned schools
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.
See schools in the Vineland Reserve guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 3078 Blue Bonnet Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2023: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $110/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 1,330 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 $4,975/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $850 more per year than the current owner’s estimated bill (+21%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | DBAAR, checked against the MLS hourly (last: October 12, 2026) |
| Comparable sales | DBAAR closed sales within about 3 miles, last 18 months, as of July 12, 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.
Frequently asked questions
How big is 3078 Blue Bonnet Lane and when was it built?
Per the listing record, 3078 Blue Bonnet Lane was built in 2023 and has 1,330 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3078 Blue Bonnet Lane in?
3078 Blue Bonnet Lane is in Vineland Reserve in Osteen, Volusia County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3078 Blue Bonnet Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $110 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 3078 Blue Bonnet Lane differ from the current owner's?
The estimate on this page (about $4,975 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $850 more per year than the current owner’s estimated bill (+21%). 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 3078 Blue Bonnet Lane 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.
See 3078 Blue Bonnet Lane in person
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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.