945 Stone Lake Drive, Ormond Beach, FL 32174
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
- No CDD assessment on record
- Built 2006 · 20 yrs
- 2,910 sq ft of living area
- 2-car garage
- Listed at $699,900 — recent neighborhood median sale price ~$604,000 (nearby sales; deemed reliable, not an appraisal)
- 291 days on market
- HOA ~$50/mo (estimate; confirm)
Pricing & the Plantation Bay market
How this home is priced against recent nearby sales, and where Plantation 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 Plantation Bay
Each dot is a closed sale since 2001 (1509 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $241/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 39 (cold).
This home’s history
- 2006BuiltPer public record
- Jul 2, 2026First trackedObserved at $699,900
- 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.
Estimated monthly payment
- Principal & interest $3,546/mo 79%
- Taxes $612/mo 14%
- Insurance $282/mo 6%
- HOA $50/mo 1%
$4,491/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.
Momentum Property Score
56/100 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.
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.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 5.1 months of supply in the surrounding market and 291 days on market for this home, against a 124-day area median.Days on market:this home 291Area median: 124 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 14, 2026.
🟡 Asking $241 per square foot, about 9% below the community’s $266 median. Plantation Bay’s 12-month median sold price per square foot is $266. Median sold price per square foot is up 10.1% year over year. Confidence: Very High · 102 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
69% of homes in Plantation Bay are owner-occupied. An estimated 31% are non-owner-occupied, including 10% held in a company or trust and 8% 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), 1466 homes matched. Community-level context.
Recent Plantation Bay sales closed near 94.0% of original asking. Cash paid for about 60% of recent closings here.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 realMLS records, community-level, 12 months ending July 14, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: a golf-course community, one of only 40 active listings in Plantation Bay, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated July 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Welcome to 945 Stone Lake Drive in the prestigious gated community of Plantation Bay. This spacious residence features four bedrooms plus a private theater room, along with an extended air-conditioned Florida room that adds incredible flexibility for entertaining, relaxing, or creating an additional office or fitness space all overlooking your SOLAR heated POOL. Step inside through double glass entry doors to find tile floors with mosaic tile accents that set the tone for timeless elegance.
The formal dining room boasts a large window, crown molding, and plush carpet, while the formal living room offers high ceilings, crown molding, and comfortable finishes. The renovated kitchen is a showpiece with 42-inch white cabinetry featuring soft-close dovetail construction and pull-outs, complemented by a mosaic tile backsplash, granite countertops, and a copper sink. Stainless steel apps CONTINUED..
include a double oven, and a pantry closet provides excellent storage. The breakfast nook opens to the Florida room and features additional countertop and breakfast bar seating that flows into the family room, where you'll enjoy tile floors, a gas fireplace, crown molding, and serene views of the pool. The master suite is a retreat with upgraded carpet, tray ceiling with crown molding, surround sound, and dual walk-in closets with built-ins.
The spa-inspired bath includes dual sinks with granite countertops, a walk-in tile shower, a soaking tub, and a private commode. With a split floor plan you have bedrooms 2-4 on the other wing of the house. Each with custom built-ins with closet, one with walk-in closet.
Sharing Bathroom 2 with granite countertop with 2 sinks, tile tub/shower and door to pool area. Upstairs, the bonus theater room impresses with built-in chairs, blackout curtains, a projection screen, mini-split AC, and full surround sound connected to the Control4 system. Upstairs completed with a third bathroom with quartz vanity and tile tub/shower combo.
Outdoors, enjoy your private oasis with a four-year-old solar-heated screened pool, extended paver lanai, and preserve views for ultimate privacy. Completed with large backyard perfect for your furry friends. The extended Florida room with its own AC is the perfect spot for entertaining or relaxing year-round-with multi purpose uses this gives you the flexibility additional space.
Other upgrades include Control4 smart-home integration with surround sound, lighting, and cameras; mini-split AC units in the master, playroom, and upstairs; and paver driveway and walkway leading to a charming front porch, a laundry room with cabinetry, and a widened two-car garage with built-ins, sink, hot water heater (2021), ceiling racks, generator plug, AC system from 2019, and a whole-house water filtration system. Living in Plantation Bay means enjoying one of Florida's premier golf and country club communities. Residents can take advantage of 45 holes of championship golf, 9 lighted Har-Tru tennis courts, 10 pickleball courts, new 30 million dollar Founders Clubhouse, additional Prestwick Clubhouse, a state-of-the-art fitness center and spa, multiple resort-style pools with cabana bar and grill, miles of walking and biking paths and fully activities calendar.
Memberships are available at various levels, offering everything from full golf privileges to social memberships for dining and club events. Buyers of this home to receive a substantial discount on initiation fee at the club, ask listing agent for details. This home combines spacious living, luxury amenities, and a prime location with an unbeatable community lifestyle.
Don't miss your chance to make it yours.
Description provided by Venture Development Realty, Inc and reproduced from the MLS; not independently verified.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
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.
Actual list price: $699,900 — 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 — 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:
- This home: 291 days on market vs. a 124-day community median
- 40 active listings competing, 10 under contract
- ≈5.1 months of supply
- 94 closed here in the last 12 months
For reference, this home is listed at $699,900 ($241/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,910 sq ft × $263–$299/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 23, 2026.
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.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS. Run --online for a live reading.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
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.
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
- Publix 13 min
Dining
- Thai Elephant Ormond Beach 13 min
Shopping
- Dixie Commons 12 min
Parks
- Seminole Woods Neighborhood Park 12 min
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.
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: $266/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.
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.
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.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | realMLS, refreshed twice daily (last: July 23, 2026) |
| Community market stats | realMLS closed sales, as of July 14, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
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.
See 945 Stone Lake 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.
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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.