Single Family Residence in Tomoka View, Ormond Beach · No CDD
Tomoka View · Ormond Beach, FL 32174 · Volusia
Listing data updated July 23, 2026 · refreshed twice daily
4Bedrooms
3Bathrooms
2,447Sq Ft
1965Year Built
$157Per Sq Ft
2-car garageNo CDDFEMA Zone X4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
23% below
$/sq ft vs community
$157 here vs $203 median sold (12 mo)
Buyer leverage
Balanced market
156 days on market
3.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~24 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Listed at $385,000 — recent neighborhood median sale price ~$445,000 (nearby sales; deemed reliable, not an appraisal)
156 days on market
HOA ~$50/mo (estimate; confirm)
Momentum Research · Tomoka View Ormond Beach
Pricing & the Tomoka View Ormond Beach market
How this home is priced against recent nearby sales, and where Tomoka View Ormond Beach 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
1965BuiltPer public record
Jul 2, 2026First trackedObserved at $385,000
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$2,553/mo
Principal & interest $1,951/mo76%
Taxes $343/mo13%
Insurance $209/mo8%
HOA $50/mo2%
$2,553/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Strongest on: Price vs area (100), Flood safety (95)
0 limited50100 exceptional
78/100 is strong 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 $157/sq ft vs the community 12-month median $203/sq ft.
Affordability72
List price $385,000 vs the community median $445,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~24 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1965 build. Obtain a property-specific quote.
Market liquidity62
Community inventory, ~3.0 months of supply (12-month record).
Renovation upside90
From a 1965 build and $157/sq ft vs the community median $203/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $157 per square foot, about 23% below the community’s $203 median. Tomoka View Ormond Beach’s 12-month median sold price per square foot is $203. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
100% of homes in Tomoka View Ormond Beach are owner-occupied. An estimated 0% are non-owner-occupied, including 0% held in a company or trust and 0% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 2 homes matched. Community-level context.
What’s unique here: one of only 1 active listings in Tomoka View Ormond Beach, no CDD assessment.
Updated July 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
308 Navajo Avenue | Ormond Beach, FL 32174 This 4-bedroom, 3-bathroom tri-level home offers a flexible layout suited for large families or multi-generational living. This community has a park and Boat ramp to the River available to the residents. The property includes a Thick Gauge Metal Roof an oversized 2-car garage with designated laundry room and workshop off the oversized garage.
Located in the heart of Ormond Beach, close to grocery stores, restaurants, hardware stores, coffee shops, and approximately 10 minutes from the beach. Home is located in the county as well. You enter the home on the main level, which includes the formal living room, dining room/Family room, kitchen providing multiple living and gathering areas.
Up a short flight of stairs, you'll find the primary bedroom with an ensuite bathroom, featuring dual vanities and separate closets. This level also includes the second and third bedrooms and an additional full bathroom. From the main level, a few steps down lead to the lower level, which includes a family room with a fireplace and plumbing in place for potential water hookups, suitable for a future kitchenette or wet bar.
This level also includes the fourth bedroom and a full bathroom, offering separation that can work well for guests, in-laws, or an older household member. Recent improvements include Simonton Impact resistant low E Windows, This made the electric bill much lower, a 2016 heat pump, 2024 air handler and ductwork, 2025 refrigerator, and a water filtration and softener system. The yard includes a variety of established landscaping and fruiting plants, including and a calamondin tree, along with crepe myrtles, orchid tree, copper plant, plumbago, miniature rose bushes, flame vine, Confederate jasmine, firecracker plant, honeysuckle, American beautyberry, amaryllis, and zinnias.
With its tri-level layout, multiple living areas, and central Ormond Beach location, 308 Navajo Avenue offers space, flexibility, and convenient access to daily amenities.
Description provided by Realty Pros Assured and reproduced from the MLS; not independently verified.
Property facts & sources
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
List price$385,000
Bed / bath4 / 3
Living area2,447 sq ft
Year built1965
Property typeSingle Family Residence
Garage2-car
MLS #1222774
Listing status156 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~24 ft
Windstorm exposureModerate
CountyVolusia
Area listings1 active · 0 under contract
Estimated first-year tax~$4,120/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$157
Estimated monthly payment$2,553
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$445,000
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
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.
$438,013the mess$555,469
Actual list price: $385,000 — 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 — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing
≈3.0 months of supply
4 closed here in the last 12 months
For reference, this home is listed at $385,000 ($157/sq ft) — a number set with analysis a Messtimate can't do.
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: 2,447 sq ft × $179–$227/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 23, 2026.
Keep looking
Similar homes for sale near Tomoka View
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.
Listed for $385,000Momentum Realty · on market 156 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
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.
Property tax (first-year est.)
~$4,120/yr
A rough first-year estimate only, applying a typical Volusia rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$4k/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
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
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
~24 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in Tomoka View
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Tomoka View neighborhood guide for more.
Comparable sales found
3
Recent nearby closings in the data set.
Community median sale price
$445,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$203
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Tomoka View
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
May 2026 · Development
Daytona Beach approves Avalon Park Daytona, a master-planned community of about 8,800 homes west of I-95
Daytona Beach commissioners approved Avalon Park Daytona in May 2026, clearing the way for a master-planned community of about 8,800 homes on land west of Interstate 95. The approval also allows commercial and mixed-use space as the project builds out over many years.
Why it matters: A large new master-planned community adds substantial future housing supply west of Interstate 95, a shift that can influence competition and pricing for existing communities in the area. The site is about 8 miles south of Tomoka View.
FDOT builds a new $75 million I-95 interchange at Pioneer Trail near New Smyrna Beach
The Florida Department of Transportation is building a new $75 million interchange on Interstate 95 at Pioneer Trail near New Smyrna Beach. The roughly 2-mile project widens Pioneer Trail to four lanes and adds a roundabout at Turnbull Bay Road, with construction underway in 2026.
Why it matters: A new interstate interchange improves access and shortens drive times in southeast Volusia, the kind of infrastructure that has historically shaped where demand and new development concentrate. The project is about 18 miles south of Tomoka View, elsewhere in Volusia County.
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.
School zoningThis address is in the Volusia County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Mar 2026
$528,965
225 Pawnee Drive, Ormond Beach
4 / 3 bd/ba · 2,200 sq ft · $240/sq ft
Courtesy of Simply Real Estate · View details →
Sold Mar 2026
$445,000
389 Apache Trail, Ormond Beach
4 / 2.5 bd/ba · 2,196 sq ft · $203/sq ft
Courtesy of RE/MAX Signature · View details →
Sold Jun 2026
$365,000
349 Navajo Avenue, Ormond Beach
4 / 3 bd/ba · 2,064 sq ft · $177/sq ft
Courtesy of Realty Pros Assured · View details →
Community 12-month median: $203/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,765 – $2,567/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.2%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$843 – −$121At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Ormond Beach
Groceries, dining, and parks for this city — see the city guide.
realMLS, refreshed twice daily (last: July 23, 2026)
Community market stats
realMLS closed sales, as of July 12, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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 realMLS 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
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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 308 Navajo Avenue 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 a typical county millage rate to the list price 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.
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.
