4 bedroom Single Family Residence at 872 Creekwood Drive, Plantation Bay, Ormond Beach — photo 1Front elevation
4 bedroom Single Family Residence at 872 Creekwood Drive, Plantation Bay, Ormond Beach — photo 2Living space
4 bedroom Single Family Residence at 872 Creekwood Drive, Plantation Bay, Ormond Beach — photo 3Kitchen
4 bedroom Single Family Residence at 872 Creekwood Drive, Plantation Bay, Ormond Beach — photo 4Owner's suite
4 bedroom Single Family Residence at 872 Creekwood Drive, Plantation Bay, Ormond Beach — photo 5Exterior / yardView all 76 photos →
New — 3 days on market Single Family Residence
$899,900

872 Creekwood Drive, Ormond Beach, FL 32174

Single Family Residence in Plantation Bay, Ormond Beach · No CDD · FEMA Zone X
Plantation Bay · Ormond Beach, FL 32174 · Flagler
Listing data updated July 2, 2026 · refreshed twice daily
4Bedrooms
3Bathrooms
2,788Sq Ft
2019Year Built
$323Per Sq Ft
3-car garageNo CDDFEMA Zone X4 bedrooms
Listing courtesy of Deuces Realty · Listing agent: Mark Polakovich · 386-235-1891Provided 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.
At a glance
  • No CDD assessment on record
  • FEMA Zone X — flood insurance generally not federally required
  • Built 2019 · 7 yrs
  • $323/sq ft — compared with the displayed median of $273 from recent nearby sales
  • New to market
  • HOA ~$50/mo (estimate; confirm)

This listing is shown at $899,900, with 4 bedrooms and 3 bathrooms, and 2,788 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.

Momentum Snapshot

The whole picture, at a glance

Property

Bedrooms4
Bathrooms3
Living area2,788 sq ft
Lot sizeNot available on this page
Year built2019
Property typeSingle Family Residence

Financial

Est. monthly payment$5,811
Est. taxes / yr~$9,449
Est. insurance / yr~$3,364
HOA$50/mo
CDDNone on record
Price / sq ft$323

Risk

Flood zoneZone X
Ground elevation~20 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$3,364/yr

Market

Days on market3
Neighborhood median DOM92
Active listings (area)38
Months of supply4.8
Comparable-sales median$685,925

Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Momentum Scores

Momentum Property Score

36/100

A rules-based composite of the objective indicators below. Higher is generally more favorable to a buyer on that single metric.

Price vs area4
This home $323/sq ft vs area median $273/sq ft from recent nearby sales.
Affordability0
List price $899,900 vs area median $685,925. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2019 build. Obtain a property-specific quote.
Market liquidity34
Area median 92 days on market, ~4.8 months of supply.
Investment metrics32
Objective supply and demand metrics for the area - not investment advice.
Renovation upside10
From a 2019 build and $323/sq ft vs area $273/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.

Listing facts & disclosures
$899,900
List price
As listed in the MLS
4 / 3
Bed / bath
Per the listing
2,788
Living area
Sq ft (approx.)
$323
Price / sq ft
List ÷ living area

The home

Year built2019
Per public record.
Lot sizeSee record
Approximate; verify with survey.
Property typeSingle Family Residence
Per the listing.

Costs

HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$9,449/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.

Site & risk

FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.

Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.

Price benchmark

Pricing & market trend in Plantation Bay

How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.

This home's $/sq ft vs. nearby sales

Price per sq ft · this home vs. recent nearby sales673 Elk River Drive673 Elk River Drive: $181/sq ft$181848 Pinewood Drive848 Pinewood Drive: $181/sq ft$181209 Heatherwood Court209 Heatherwood Court: $265/sq ft$265814 Westlake Drive814 Westlake Drive: $281/sq ft$28110 Broadwater Road10 Broadwater Road: $299/sq ft$299This homeThis home: $323/sq ft$323256 Stirling Bridge …256 Stirling Bridge Drive: $531/sq ft$531Median $273

Recent sold prices in this community

$355,000$1,070,457$1,785,914Jun 2026: $359,900Jun 2026: $355,000Jun 2026: $631,500Jun 2026: $368,000Jun 2026: $1,785,914Jun 2026: $380,000Jun 2026: $410,000Jun 2026: $636,850Jun 2026: $490,000Jun 2026: $735,000Jun 2026: $773,185Jul 2026: $355,000This home (list price): $899,900This homeJun 2026Jul 2026
The Messtimate™

The Messtimate: $504,628 – $833,612

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.

$504,628the mess$833,612

A 65% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
  • The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
  • Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
  • Views & orientation — golf, water, or preserve views aren't in the square footage.
  • Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
  • Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
  • Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
  • Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
  • School zoning & micro-location — one street over can mean a different school, and a different price.

And here's what the live market is doing — which the number above ignores entirely:

  • This home: 3 days on market vs. a ~92-day neighborhood median
  • 38 active listings competing in Plantation Bay
  • 11 under contract now
  • 22% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
  • 4.8 months of supply (one market-context metric; should not be used alone)
  • 7 new-construction homes competing
  • 96 closed here in the last 12 months

For reference, this home is listed at $899,900 ($323/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: 2,788 sq ft × $181–$299/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 2, 2026.

Momentum Fact Check

Every number, sourced

We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$899,900
Bed / bath4 / 3
Living area2,788 sq ft
Year built2019
Property typeSingle Family Residence
MLS #1226960
Listing statusNew — 3 days on market
Days on market3

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~20 ft
CountyFlagler
Estimated first-year tax~$9,449/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$323
Estimated monthly payment$5,811
Estimated insurance~$3,364/yr
Messtimate range$504,628 – $833,612
Comparable-sales median$685,925

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
No surprises at closing

Estimate a monthly payment

A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.

Estimated monthly payment
$5,811
Principal & interest$4,693
Property tax$787
Insurance$280
CDD assessment$0
HOA$50
PMI$0

Down payment $179,980 · Loan $719,920. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.

Estimated ownership costs

Estimated costs & disclosures

Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.

Property tax reset
~$9,449/yr

The seller likely pays less due to the homestead cap. At a $899,900 purchase, expect your first full-year Flagler bill near $9,449 before exemptions.

CDD assessment
None

No CDD assessment on record for this community.

Insurance
~$3,364/yr

Estimate for a 2019 build in Flagler. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).

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
~20 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.

Market data · public records

Recent sales activity in Plantation Bay

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 Plantation Bay neighborhood guide for more.

Comparable sales found
6

Recent nearby closings in the data set.

Median sale price (set)
$685,925

Median closed price of the comparable set. Reference only.

Median $/sq ft (set)
$273

Median $/sq ft of the comparable set. Reference only.

This home $/sq ft
$323

List price divided by living area. Provided as data, not a value judgment.

Go deeper on Plantation 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.

Assigned schools

Assigned schools

Schools currently assigned to this address in Flagler 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.

Bunnell Elementary School (Flagler-side)Public K-6 · Flagler County School District
Buddy Taylor Middle School (Flagler-side)Public 7-8 · Flagler County School District
Flagler Palm Coast High School (Flagler-side)Public 9-12 · Flagler County School District
Pathways Elementary School (Volusia-side, Ormond Beach)Public PreK-5 · Flagler County School District
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.

Median of the set: $273/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.

Keep looking

Similar homes for sale near Plantation 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.

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.
Listing description

About this home

The absolute definition of ''Pride in Ownership''. Situated behind the prestigious, 24-hour guard gates of Plantation Bay, this award-winning,expanded and customized Costa Mesa plan delivers unparalleled luxury and effortless Florida living. From the professional landscaping and architectural lighting to the elegant etched glass entry door, the curb appeal is nothing short of spectacular. Inside, the home unfolds into an expansive open concept floor plan, where magnificent 12-foot tray ceilings with elegant crown molding elevate the main gathering room while framing an abundance of natural light. Gorgeous tile flooring flows seamlessly through the main living areas, complemented by new, plush carpeting in the bedrooms. Custom window shadings are featured throughout, including blackout shades in the primary suite and the fourth bedroom/media room. The gourmet kitchen is a chef's masterpiece, finished to the highest standards with 42-inch soft-close wood cabinetry, a premium gas cooktop >> with an exhaust hood, a full wrap-around tile backsplash, exquisite granite countertops, and a generous walk-in pantry. Blurring the lines between indoor luxury and outdoor relaxation, the living and dining spaces flow effortlessly to the backyard oasis. Here, the extended travertine lanai hosts a sparkling solar heated pool with a sun shelf and a backup heat pump for endless year-round enjoyment. The custom summer kitchen leaves nothing to be desired, boasting a premium propane grill (fed by an owned, buried 120-gallon tank), exhaust hood, refrigerator, dining bar, and dual ceiling fans. Beyond the screen, a beautifully landscaped backyard meets a tranquil preserve for the ultimate in private, serene Florida living.The grand primary suite serves as a true private retreat, featuring a spa-like en-suite with quartz countertops, dual sinks, and a stunning walk-in shower complete with custom tile inserts and a bench seat. The secondary bathrooms are equally impressive, boasting quartz vanities and upgraded contemporary fixtures. Offering incredible flexibility, the massive 20'x17.3' media room can easily serve as an ideal guest or in-law suite, complete with direct access to a private bath and the lanai. Even the garage is a luxury feature: a climate-controlled, 945 sq ft oversized 3-car garage featuring epoxy floors, a 10-foot wide second door for larger vehicles, a custom workbench, a utility sink, and a "stop & drop" entry. Drop-down stairs lead to a fully plywood floored "Florida Basement" (attic) for massive storage. Additional notable features include an entire home water softener, hybrid water heater, ultra efficient two speed air handler, lightning surge protectors on both electrical panels, and an exterior generator hookup. Indulge in the ultimate resort lifestyle behind the 24/7 manned gates of Plantation Bay, premiering unparalleled county club amenities with completely optional, tiered memberships designed to perfectly fit your lifestyle. The crown jewel is the spectacular new Founder's Club, a breathtaking, 40,500 square foot Golf and Lifestyle Center defined by West Indies inspired architecture, elite dining, a state of the art pro shop, and expansive social verandas overlooking dramatic golf and lake views. The resort experience continues with a second full service clubhouse (Prestwick), a luxury Wellness Spa & Fitness Center, a private swim pavilion with two resort style pools, and a lively poolside tiki Cabana bar. For the active enthusiast, the community boasts 45 holes of championship golf, 10 lighted Har-Tru tennis courts, 10 dedicated pickle ball courts, bocce ball, and miles of scenic nature trails. Located just minutes from pristine Atlantic beaches, upscale shopping and dining and the legendary scenic loop, offering the very best of the Florida coast right at your fingertips. At the time of listing the seller was 80 percent packed up,so the photographs used are from the previous listing.

Description provided by Deuces Realty and reproduced from the MLS; not independently verified.

The full spec sheet

Property details & features

Interior

  • Bedrooms4
  • Bathrooms3
  • Living area2,788 sq ft

Exterior & lot

  • Lot sizeSee record
  • TypeSingle Family Residence

Systems

  • Year built2019
  • Age7 yrs

Listing

  • MLS #1226960
  • StatusPending
  • Days on market3
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

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.

Transparency

Price & listing history

Listed for $899,900Momentum Realty · on market 3 days
Public records

Building permits

Permit history not yet linkedAdd county permit records via overrides
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 872 Creekwood 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.

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.

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.