120 days on market (MLS)Single Family Residence▼ Price cut: $5,010 (8/20)
$399,990
4-Bedroom Home in Coastal Woods
3221 Carpentaria Drive, New Smyrna Beach, FL 32168
Single Family Residence in Coastal Woods, New Smyrna Beach · No CDD on record · Built 2022
Coastal Woods · New Smyrna Beach, FL 32168 · Volusia County
Listing data updated October 14, 2026 at 7:27 AM ET · checked against the MLS hourly
Listed by EXP Realty LLC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
4Bedrooms
2Bathrooms
1,855Sq Ft
2022Year Built
$216Per 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.
7% above
$/sq ft vs community
$216 here vs $201 median sold (12 mo)
Buyer leverage
Seller-leaning
120 days on market
Under 1 month
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~28 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 14, 2026, 3221 Carpentaria Drive in Coastal Woods, New Smyrna Beach is listed at $399,990 (1,855 sq ft, about $216 per sq ft). That sits within a few percent of Coastal Woods's median closed sale of $350,000 over the last 12 months (19 recorded sales). It has been 120 days on market. Listing facts: built in 2022, HOA dues of $56/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 2022 · 4 yrs
1,855 sq ft of living area
2-car garage
Listed at $399,990 — recent neighborhood median sale price ~$350,000 (nearby sales; deemed reliable, not an appraisal)
120 days on market
HOA $56/mo (per listing)
School district: Amenity center built CDD No CDD Schools Volusia County SchoolsCommunity built 2019–2023Aldi · 2 min driveCulver's · 2 min driveShoppes at Coronado · 2 min drive
Listing description
About this home
FINANCING OPPORTUNITY + AN EXPANSIVE BACKYARD! Qualified buyers may be eligible for a 1-year lender-paid rate buydown when financing through preferred lender. Welcome to 3221 Carpentaria Drive, a beautifully maintained 4-bedroom, 2-bathroom home offering the perfect combination of comfort, functionality, and outdoor living in one of New Smyrna Beach's desirable communities.
From the moment you arrive, you'll appreciate the home's attractive curb appeal, enhanced by mature landscaping and a well-maintained front yard that creates a warm and inviting first impression. Armor Gutters further complement the property installed around the entire exterior of the home, providing both convenience and added value. Step inside to discover a thoughtfully designed split-bedroom floor plan.
Just off the entryway, you'll find two spacious guest bedrooms that share a full bathroom, creating an ideal setup for family members, guests, or a home office. As you continue through the home, the open-concept living area unfolds into a bright and welcoming gathering space perfect for everyday living and entertaining. The kitchen serves as the heart of the home, featuring ample cabinetry, generous counter space, and a seamless flow into the dining and living areas.
Whether you're hosting family gatherings, preparing meals, or simply enjoying time with loved ones, this open layout keeps everyone connected. The private owner's suite is situated away from the secondary bedrooms, offering a peaceful retreat with plenty of space to unwind after a long day. An additional fourth bedroom provides flexibility for a growing family, guest accommodations, a fitness room, or a dedicated workspace.
One of the standout features of this property is the expansive backyard. With plenty of room for entertaining, gardening, pets, or creating your own outdoor oasis, the possibilities are endless! This outdoor space provides the perfect backdrop for enjoying Florida's beautiful weather year-round.
Conveniently located near shopping, dining, schools, parks, and just a short drive from New Smyrna Beach's renowned beaches and attractions, this home offers the ideal blend of tranquility and accessibility. If you've been searching for a move-in-ready home with a functional layout, beautiful landscaping, valuable upgrades, and a backyard that truly sets it apart, 3221 Carpentaria Drive deserves a spot at the top of your list!
All 31 photos
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.
Listing facts MLS
List price$399,990
Bed / bath4 / 2
Living area1,855 sq ft
Year built2022
Property typeSingle Family Residence
Garage2-car
MLS #1227575
Listing status120 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~28 ft
CountyVolusia
Area listings1 active · 2 under contract
Estimated first-year tax~$4,280/yr
CDD assessmentNone on record
HOA$56/mo
Calculated estimates
Price per sq ft$216
Estimated monthly payment$2,744
Insurance (illustrative)$1k–$2k/yr
Messtimate range$365,435 – $409,955
Comparable-sales median$350,000
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
$2,744/mo
Principal & interest $2,216/mo81%
Taxes $357/mo13%
Insurance $116/mo4%
HOA $56/mo2%
$2,744/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
What it really costs to own 3221 Carpentaria Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
HOA dues
$56/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Volusia County is $1,807/yr (3,573 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$2,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2022. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
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.)
~$4,280/yr
Estimate: a typical Volusia effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
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)
$1k–$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
$56/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
~28 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 · Coastal Woods
Pricing & the Coastal Woods market
How this home is priced against recent nearby sales, and where Coastal Woods 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
2022BuiltPer public record
About Jun 2026Listed (per MLS)MLS reports 120 cumulative days on market as of October 14, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $414,900
Aug 4, 2026Price cut$405,000 (-$9,900, -2.4%)
Aug 20, 2026Price cut$399,990 (-$5,010, -1.2%)
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.
Transparency
Price & listing history
Listed for $399,990Momentum Realty · on market 120 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 Coastal Woods 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 Jul 2026
$410,000
3248 Carpentaria Drive, New Smyrna Beach
4 / 2 bd/ba · 1,855 sq ft · $221/sq ft
Courtesy of Premier Sotheby's International Realty · View details →
Sold Jul 2026
$410,000
3248 Carpentaria Drive, New Smyrna Beach
4 / 2 bd/ba · 1,855 sq ft · $221/sq ft
Courtesy of Premier Sotheby's International Realty · View details →
Median of these 6 sales: $350,000 ($201/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$355,800the mess$405,200
Strong local evidence — built from 20 comparable closed sales in Coastal Woods (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,975 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.6% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-14.
Actual list price: $399,990 ($216/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 14% spread on the same house — here is what a model can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
Carrying costs & concessions — this home carries HOA dues of $56/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
This home: 120 days on market vs. a 85-day community median
3 active listings competing
≈0.7 months of supply
20 closed here in the last 12 months
Want a property-specific value 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.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + tax-roll just value × local sale-to-roll ratio (5 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 14, 2026.
Momentum Scores
Momentum Property Score
58/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
58/100 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.
Price vs area31
This home $216/sq ft vs the community 12-month median $201/sq ft.
Affordability26
List price $399,990 vs the community median $350,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~28 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2022 build. Obtain a property-specific quote.
Market liquidity62
Community median 85 days on market, ~0.7 months of supply (12-month record).
Pricing power53
Recent sales closed at about 97.3% of original asking (~2.7% below). More room below asking generally favors buyers.
Coverage: 6 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.
🟡 Asking $216 per square foot, about 7% above the community’s $201 median. Coastal Woods’s 12-month median sold price per square foot is $201. Confidence: Medium · 19 closed sales in 12 monthsMLS facts: DBAAR closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
67% of homes in Coastal Woods are owner-occupied. An estimated 33% are non-owner-occupied, including 4% held in a company or trust and 15% 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), 516 homes matched. Community-level context.
Recent Coastal Woods sales closed near 97.3% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of DBAAR records, community-level, 12 months ending September 3, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in Coastal Woods, no CDD assessment.
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by EXP Realty LLC · MLS # 1227575
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Keep looking
Similar homes for sale near Coastal Woods
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.
Oct 2026 · Development
AdventHealth opens urgent care and primary care clinics on State Road 44 in New Smyrna Beach
AdventHealth Primary Care at 2368 State Road 44 accepts patients ages 5 and up, and Centra Care next door offers walk-in urgent care seven days a week with onsite X-ray and lab. Centra Care is the system's first urgent care in New Smyrna Beach and its sixth in Volusia County.
Why it matters: Improves access to walk-in and primary medical services for the New Smyrna Beach area. The site is about 3 miles east of Coastal Woods.
Manufacturing and technology job fair set for Oct. 15 at Daytona State
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 12 miles northwest of Coastal Woods.
The City Council unanimously passed an ordinance on Sept. 14 barring development orders and permits for data centers, AI data centers and cryptocurrency mining facilities. A November ballot question would add similar language to the city charter. Officials cited flooding concerns and resource use.
Why it matters: Removes high-energy data facilities from the land uses available in Edgewater. The project is about 6 miles southeast of Coastal Woods, elsewhere in Volusia County.
Port Orange council upholds award of $14.4 million Cambridge Canal pump station contract
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 8 miles north of Coastal Woods, 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.
GRADEA
Read-Pattillo Elementary SchoolPublic PreK-5 (Volusia, New Smyrna Beach) · Volusia County School District · Grade A (Florida DOE 2025-26)
GRADEB
New Smyrna Beach Middle SchoolPublic 6-8 (Volusia) · Volusia County School District · Grade B (Florida DOE 2025-26)
GRADEA
New Smyrna Beach High SchoolPublic 9-12 (Volusia) · Volusia County School District · Grade A (Florida DOE 2025-26)
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Aldi 2 min
Dining
Culver's 2 min
Shopping
Shoppes at Coronado 2 min
Parks
Otter Park South 5 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 3221 Carpentaria Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $56/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 1,855 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 $4,280/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
DBAAR, checked against the MLS hourly (last: October 14, 2026)
Comparable sales
DBAAR closed sales in Coastal Woods, last 18 months, as of September 3, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; 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 3221 Carpentaria Drive and when was it built?
Per the listing record, 3221 Carpentaria Drive was built in 2022 and has 1,855 sq ft of living area, 4 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 3221 Carpentaria Drive in?
3221 Carpentaria Drive is in Coastal Woods in New Smyrna Beach, Volusia County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3221 Carpentaria Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $56 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 3221 Carpentaria Drive differ from the current owner's?
The estimate on this page (about $4,280 per year) assumes reassessment at the list price less the homestead exemption. 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 3221 Carpentaria Drive 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 3221 Carpentaria Drive 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.
