2 bedroom Condominium at 3800 S Atlantic Avenue #106, Ocean Terrace Club, A Condo, Daytona Beach Shores — photo 1Front elevation
2 bedroom Condominium at 3800 S Atlantic Avenue #106, Ocean Terrace Club, A Condo, Daytona Beach Shores — photo 2Living space
2 bedroom Condominium at 3800 S Atlantic Avenue #106, Ocean Terrace Club, A Condo, Daytona Beach Shores — photo 3Kitchen
2 bedroom Condominium at 3800 S Atlantic Avenue #106, Ocean Terrace Club, A Condo, Daytona Beach Shores — photo 4Owner's suite
2 bedroom Condominium at 3800 S Atlantic Avenue #106, Ocean Terrace Club, A Condo, Daytona Beach Shores — photo 5Exterior / yardView all 38 photos →
139 days on market Condominium
$249,000
2-Bedroom Condo in Ocean Terrace Club, A Condo

3800 S Atlantic Avenue #106, Daytona Beach Shores, FL 32118

Condominium in Ocean Terrace Club, A Condo, Daytona Beach Shores · No CDD
Ocean Terrace Club, A Condo · Daytona Beach Shores, FL 32118 · Volusia
Listing data updated August 11, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
1,013Sq Ft
1982Year Built
$246Per Sq Ft
No CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
6% above
$/sq ft vs community
$246 here vs $232 median sold (12 mo)
Buyer leverage
Buyer advantage
139 days on market
42.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~15 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 1 of 2
Price vs recent sales
Asking $249k tops 1 of the last 2 closed sales

Sources: DBAAR (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights
  • No CDD assessment on record
  • Built 1982 · 44 yrs
  • 1,013 sq ft of living area
  • Listed at $249,000 — recent neighborhood median sale price ~$251,500 (nearby sales; deemed reliable, not an appraisal)
  • 139 days on market
  • HOA ~$50/mo (estimate; confirm)
Momentum Research · Ocean Terrace Club A Condo Daytona Beach Shores

Pricing & the Ocean Terrace Club A Condo Daytona Beach Shores market

How this home is priced against recent nearby sales, and where Ocean Terrace Club A Condo Daytona Beach Shores 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.

Price per sq ft · this home vs. recent nearby sales3800 S Atlantic Avenue #…3800 S Atlantic Avenue #4080: $213/sq ft$213This homeThis home: $246/sq ft$2463800 S Atlantic Avenue #…3800 S Atlantic Avenue #502: $252/sq ft$252Community median $232
Property timeline

This home’s history

  • 1982BuiltPer public record
  • Jul 2, 2026First trackedObserved at $249,000
  • 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

$1,669/mo
  • Principal & interest $1,262/mo 76%
  • Taxes $222/mo 13%
  • Insurance $135/mo 8%
  • HOA $50/mo 3%

$1,669/mo at 20% down, 30-yr @ 6.52% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Based on certified county tax roll
Estimated property taxes after purchase
$3,825/yr
$319/mo·effective rate ~1.54%
Estimated from today’s asking price and current Volusia County tax rates.
⚠️

Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.

Current owner pays $3,675/yr ($306/mo)
+$150 more each year
(+4%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$190,909
Market value
$190,909
Assessed
$190,909
Taxable
Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

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A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.

Sources: Florida DOR certified tax roll (2025), Daytona Beach Area AR. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.

Momentum Scores

Momentum Property Score

54/100
Strongest on: Flood safety (95), Insurance cost (56)
0 limited50100 exceptional

54/100 is below average 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 area35
This home $246/sq ft vs the community 12-month median $232/sq ft.
Affordability52
List price $249,000 vs the community median $251,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~15 ft elevation. Verify the parcel with FEMA.
Insurance cost56
From FEMA Zone X and a 1982 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~42.0 months of supply (12-month record).
Renovation upside51
From a 1982 build and $246/sq ft vs the community median $232/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.

Momentum Research

The Momentum read

🟢 Buyer-leaning conditions around this listing. 42.0 months of supply in the surrounding market and 139 days on market for this home, against a 188-day area median.Days on market:this home 139Area median:  188 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 $246 per square foot, about 6% above the community’s $232 median. Ocean Terrace Club A Condo Daytona Beach Shores’s 12-month median sold price per square foot is $232. MLS facts: DBAAR closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

What’s unique here: one of only 7 active listings in Ocean Terrace Club A Condo Daytona Beach Shores, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated August 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Welcome to coastal living at Ocean Terrace Club, where comfort, convenience, and proven income potential come together just moments from the shoreline. This beautifully maintained 2-bedroom, 2-bathroom condo offering 1,013 square feet is being sold fully furnished and truly turnkey, making it ready for immediate enjoyment or income production from day one. Even better, currently scheduled rentals can convey to the new owner, creating a seamless transition for those looking to step into a successful short-term rental opportunity.

With a 6-day minimum rental policy, a strong rental history, and $6,600 already generated in gross rental income this year, this property offers both lifestyle and investment value in one of the area's most desirable beachside locations. As you step inside, you're welcomed by sand-toned tile flooring that runs throughout the entire unit, creating a seamless and low-maintenance coastal feel. Natural light pours in from the east-facing sliders, drawing your attention into the open living space and giving the home a bright, airy atmosphere from the moment you arrive.

To your right, the kitchen is thoughtfully designed and perfectly positioned, featuring granite countertops, stainless steel appliances, and abundant cabinetry. The layout flows effortlessly into the dining and living areas, allowing for easy entertaining or relaxing after a day at the beach. Whether hosting guests or accommodating vacation renters, the functionality and openness of this space make everyday living feel effortless.

The open-concept dining and living room feels warm and inviting, offering plenty of room to gather, unwind, and enjoy the coastal lifestyle. From here, sliding glass doors lead you to your private patio, where morning coffee pairs perfectly with fresh ocean air drifting in from nearby. Designed with comfort and privacy in mind, the split-bedroom floor plan makes this layout ideal for both personal use and rental flexibility.

Just off the entry to the left, the guest bedroom offers generous space and comfortable accommodations for family or visitors, conveniently located near the guest bathroom with updated finishes and coastal touches. Toward the back of the unit, the primary suite serves as a private retreat, offering a spacious layout, abundant natural light, and an en-suite bathroom designed for comfort and convenience. With thoughtful storage and a peaceful atmosphere, this space provides the perfect place to relax and recharge after a full day enjoying everything beachside living has to offer.

One standout feature that sets this unit apart from many others in the building is the in-unit washer and dryer, offering added convenience that guests and owners alike appreciate. Combined with its fully furnished setup, this home is truly move-in ready or rent-ready from day one. Beyond the unit itself, Ocean Terrace Club offers amenities designed for both relaxation and recreation.

Residents and guests enjoy access to a sparkling community pool, tennis court, clubroom, and on-site management, creating a well-maintained and welcoming environment that supports both everyday living and vacation-style enjoyment. The unit also includes assigned parking located right up front, making access easy and convenient, while ample guest parking ensures visitors always have space available. Step outside and experience one of this property's most valuable features -- direct access to a no-drive beach, one of the most sought-after stretches of coastline for its peaceful atmosphere and safety.

Whether starting your morning with a quiet sunrise walk or spending the afternoon soaking in the Florida sunshine, the beach becomes a natural extension of your daily routine. From there, you're just minutes from local favorite restaurants, charming shops, and coastal attractions, making it easy to enjoy everything beachside living has to offer. Grocery stores, entertainment, and everyday conveniences are all within a short drive, while st…

Description provided by Oceans Luxury Realty Full Service LLC 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$249,000
Bed / bath2 / 2
Living area1,013 sq ft
Year built1982
Property typeCondominium
MLS #1224502
Listing status139 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~15 ft
Windstorm exposureModerate
CountyVolusia
Area listings7 active · 0 under contract
Estimated first-year tax~$2,664/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$246
Estimated monthly payment$1,669
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$251,500

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
Listing courtesy of Oceans Luxury Realty Full Service LLC · Listing agent: Michael Lockhart · 386-236-3700Provided via the Daytona Beach Area Association of REALTORS® Internet Data Exchange · Source: Daytona Beach Area Association of REALTORS® · © 2026 Daytona Beach Area Association of REALTORS®, Inc. · deemed reliable but not guaranteedIDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
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.

$206,652the mess$263,380

Actual list price: $249,000 — 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:

  • 7 active listings competing
  • 42.0 months of supply
  • 2 closed here in the last 12 months

For reference, this home is listed at $249,000 ($246/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.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,013 sq ft × $204–$260/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 11, 2026.

Keep looking

Similar homes for sale near Ocean Terrace Club, A Condo

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.

Transparency

Price & listing history

Listed for $249,000Momentum Realty · on market 139 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
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.)
~$2,664/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)
$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
$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
~15 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

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; confirm availability 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 Ocean Terrace Club, A Condo

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 Ocean Terrace Club, A Condo neighborhood guide for more.

Comparable sales found
2

Recent nearby closings in the data set.

Community median sale price
$251,500

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$232

Canonical 12-month median $/sq ft. Reference only.

Go deeper on Ocean Terrace Club, A Condo

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

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.

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.
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

Community 12-month median: $232/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$1,141 – $1,660/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.1%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$563 – −$96At 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.

Provenance

Data sources & freshness

Listing recordDBAAR, refreshed twice daily (last: August 11, 2026)
Community market statsDBAAR closed sales, as of July 12, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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

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 3800 S Atlantic Avenue #106 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.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

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.

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.