559 Venetian Palms Boulevard, New Smyrna Beach, FL 32168
Single Family Residence in Venetian Bay, New Smyrna Beach · No CDD on record · Built 2023
Venetian Bay · New Smyrna Beach, FL 32168 · Volusia County
Listing data updated October 1, 2026 · refreshed hourly
2Bedrooms
2Bathrooms
1,272Sq Ft
2023Year Built
$278Per Sq Ft
2-car garageNo CDD on record
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.
9% above
$/sq ft vs community
$278 here vs $254 median sold (12 mo)
Buyer leverage
Seller-leaning
12 days on market
4.7 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 1, 2026, 559 Venetian Palms Boulevard in Venetian Bay, New Smyrna Beach is listed at $354,000 (1,272 sq ft, about $278 per sq ft). That is 29% below Venetian Bay's median closed sale of $497,000 over the last 12 months (96 recorded sales). It has been 12 days on market, well inside the community's typical 93 days. Listing facts: built in 2023, HOA dues of $79/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2023 · 3 yrs
1,272 sq ft of living area
2-car garage
Listed at $354,000 — recent neighborhood median sale price ~$497,000 (nearby sales; deemed reliable, not an appraisal)
12 days on market
HOA $79/mo (per listing)
School district: Schools Volusia County SchoolsCommunity built 2006–2022S and S Apiaries · 3 min driveAdventHealth New Smyrna Health Park · 4 min drivePanera Bread · 4 min drive
Listing description
About this home
Welcome to easy, coastal resort-style living in The Palms at Venetian Bay! Built in 2023 by the Johnson Group, this beautifully maintained, single-story, 2-bedroom, 2-bath Coastal Cottage with a 2-car garage offers stylish, low-maintenance living and a peaceful preserve view from the covered front porch. An added bonus to this home is a whole house water filtration system!
The bright, open floor plan features a spacious kitchen with an island, white soft-close cabinetry, stainless steel appliances, and seamless flow into the living and dining areas. The primary suite includes a walk-in closet and en-suite bath with dual vanities, a large tiled walk-in shower, and linen storage. A second bedroom and full guest bath provide flexibility for guests or a home office.
Enjoy Venetian Bay amenities, including miles of walking and biking trails, a golf course and country club, pickleball, a community pool and Tiki Bar, and the Town Center's restaurants, coffee shop, fitness center, spa services, salon, and neighborhood businesses--all accessible by a short walk, golf cart, or bike ride. Conveniently located near I-95 and SR-44, this home is minutes from shopping, dining, historic Canal Street, Flagler Avenue, and the beaches of New Smyrna Beach. Whether used as a full-time residence, seasonal retreat, or low-maintenance getaway, this move-in-ready home offers the best of coastal Florida living.
Schedule your showing today!
All 34 photos
Description provided by Coldwell Banker Coast Realty 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$354,000
Bed / bath2 / 2
Living area1,272 sq ft
Year built2023
Property typeSingle Family Residence
Garage2-car
MLS #1230503
Listing statusPending
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
CountyVolusia
Area listings36 active · 8 under contract
Estimated first-year tax~$5,850/yr
CDD assessmentNone on record
HOA$79/mo
Calculated estimates
Price per sq ft$278
Estimated monthly payment$2,557
Insurance (illustrative)$1k–$2k/yr
Messtimate range$283,656 – $323,088
Comparable-sales median$497,000
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
$2,557/mo
Principal & interest $1,890/mo74%
Taxes $488/mo19%
Insurance $100/mo4%
HOA $79/mo3%
$2,557/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Volusia County rate (19.21 mills, adopted 2025 millage). Not a bill.
⚠️
Property 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.
Current owner’s estimated bill $4,575/yr ($381/mo) — taxable value $238,746 × 19.21 mills
$1,275 more each year
(+28%)
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.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$50,722
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$289,468
Market value
$289,468
Assessed
$238,746
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Daytona Beach Area AR; millage: Volusia County School Board FY2025-26 adopted millage 5.279 (RLE 3.027); adopted 2025-09-09. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$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 zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$79/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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
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 · Venetian Bay
Pricing & the Venetian Bay market
How this home is priced against recent nearby sales, and where Venetian Bay 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 vs. size in Venetian Bay
Each dot is a closed sale since 2006 (1697 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). DBAAR closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $278/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 36 (cold).
Property timeline
This home’s history
2023BuiltPer public record
Sep 11, 2026First seen on movewithmomentum.comObserved at $354,000
NowUnder contractCurrently pending
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $354,000Momentum Realty · on market 12 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 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.
Sold Aug 2026
$290,000
148 Turnberry Circle, New Smyrna Beach
2 / 2 bd/ba · 1,264 sq ft · $229/sq ft
Courtesy of Realty Pros Assured · View details →
Sold Dec 2025
$347,000
166 Turnberry Circle, New Smyrna Beach
2 / 2 bd/ba · 1,264 sq ft · $275/sq ft
Courtesy of Beechler Realty Group · View details →
Sold Apr 2026
$325,000
517 Aeolian Drive, New Smyrna Beach
3 / 2 bd/ba · 1,282 sq ft · $254/sq ft
Courtesy of Collado Real Estate · View details →
Sold Apr 2026
$290,000
168 Turnberry Circle, New Smyrna Beach
2 / 2 bd/ba · 1,289 sq ft · $225/sq ft
Courtesy of Magnolia Properties · View details →
Sold Apr 2026
$264,500
160 Turnberry Circle, New Smyrna Beach
2 / 2 bd/ba · 1,370 sq ft · $193/sq ft
Courtesy of Beechler Realty Group · View details →
Sold Jul 2026
$330,000
3107 Crab Trap Drive, New Smyrna Beach
3 / 2 bd/ba · 1,480 sq ft · $223/sq ft
Courtesy of Coldwell Banker Coast Realty · View details →
Median of these 6 sales: $497,000 ($254/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$283,656the mess$323,088
Stronger local evidence — 6 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: $354,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 14% 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 — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $79/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:
This home: 12 days on market vs. a 93-day community median
36 active listings competing, 11 under contract
≈4.7 months of supply
90 closed here in the last 12 months
For reference, this home is listed at $354,000 ($278/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,272 sq ft × $223–$254/sq ft (interquartile band of 6 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 1, 2026.
Momentum Scores
Momentum Property Score
57/100
Strongest on: Affordability (98), Market timing (64)
0 limited50100 exceptional
57/100 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 area26
This home $278/sq ft vs the community 12-month median $254/sq ft.
Affordability98
List price $354,000 vs the community median $497,000. Not a measure of personal affordability.
Market liquidity35
Community median 93 days on market, ~4.7 months of supply (12-month record).
Pricing power60
Recent sales closed at about 96.0% of original asking (~4.0% below). More room below asking generally favors buyers.
Market timing64
Momentum Market Heat is 36/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
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.
🟡 Asking $278 per square foot, about 9% above the community’s $254 median. Venetian Bay’s 12-month median sold price per square foot is $254. Median sold price per square foot is down 7.4% year over year. Confidence: Very High · 96 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.
59% of homes in Venetian Bay are owner-occupied. An estimated 41% are non-owner-occupied, including 15% held in a company or trust and 16% 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), 1263 homes matched. Community-level context.
Recent Venetian Bay sales closed near 96.0% 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 36 active listings in Venetian Bay, no CDD assessment.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Coldwell Banker Coast Realty · MLS # 1230503
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Keep looking
Similar homes for sale near Venetian Bay
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
State Road 40 widening in Volusia advances in design
The Florida Department of Transportation project to widen State Road 40 from State Road 11 to Cone Road in Volusia County remains in the design phase, with right of way acquisition in progress and construction not yet funded, according to a project page last updated July 14, 2026. The roughly 7 mile plan would add lanes, replace three bridges, and include a multi use trail and a wildlife crossing.
Why it matters: Design and right of way work continue on widening State Road 40 to four lanes, a project that would add roadway capacity, new bridges, and a multi use trail along the western Volusia corridor once construction is funded. The project is about 21 miles northwest of Venetian Bay, elsewhere in Volusia County.
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 project is about 12 miles northwest of Venetian Bay, elsewhere in Volusia County.
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 site is about 1 mile northeast of Venetian Bay.
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
ChisholmAssigned elementary school · Volusia County School District · Grade A (Florida DOE 2025-26)
GRADEB
New Smyrna BeachAssigned middle school · Volusia County School District · Grade B (Florida DOE 2025-26)
GRADEA
New Smyrna BeachAssigned high school · Volusia County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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
S and S Apiaries 3 min
Dining
Crave Hot Dogs & BBQ New Smyrna Beach, FL 6 min
Shopping
Shoppes at Coronado 5 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 559 Venetian Palms Boulevard, 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 $79/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
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 1,272 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 $5,850/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,275 more per year than the current owner’s estimated bill (+28%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
DBAAR, refreshed hourly (last: October 1, 2026)
Comparable sales
DBAAR closed sales within about 3 miles, last 18 months, as of September 3, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of DBAAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 559 Venetian Palms Boulevard and when was it built?
Per the listing record, 559 Venetian Palms Boulevard was built in 2023 and has 1,272 sq ft of living area, 2 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 559 Venetian Palms Boulevard in?
559 Venetian Palms Boulevard is in Venetian Bay in New Smyrna Beach, Volusia County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 559 Venetian Palms Boulevard have an HOA, and how much are the dues?
The listing reports HOA dues of $79 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 559 Venetian Palms Boulevard differ from the current owner's?
The estimate on this page (about $5,850 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,275 more per year than the current owner’s estimated bill (+28%). 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 559 Venetian Palms Boulevard in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 559 Venetian Palms Boulevard 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.
