1401 Palisades Lane, Deland, FL 32724
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
1401 Palisades Lane in Victoria Gardens Ph 4, Deland is listed at $409,000 (1,813 sq ft, about $226 per sq ft). That sits within a few percent of Victoria Gardens Ph 4's median closed sale of $399,000 over the last 12 months (3 recorded sales). It came to market within the past week. Listing facts: built in 2017, HOA dues of $546/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2017 · 9 yrs
- 1,813 sq ft of living area
- Garage
- New to market
- HOA $546/mo (per listing)
About this home
Virtually Staged. Welcome to this beautifully transformed, move-in-ready home in the highly sought-after 55+ community of Victoria Gardens! Built in 2017 by Kolter Homes, this stunning Ivy model features 2 bedrooms, 2 bathrooms, a versatile flex space, and an open-concept floor plan.
Completely updated in 2025, this home offers the beauty and sophistication of a newly redesigned interior, with exceptional attention to detail throughout. From the moment you step through the elegant decorative glass front door, you'll be captivated by the home's inviting atmosphere, graceful architectural arches, beautiful new flooring, tray ceilings, designer lighting, and thoughtfully designed accent walls. Every space has been refreshed to create the perfect balance of modern elegance, warmth, and functionality.
The showstopper of this home is the brand-new Italian kitchen, completely redesigned in 2025! Featuring gorgeous sage-green shaker cabinetry, elegant gold hardware, beautiful quartz countertops, and an impressive 8.5-foot island with seating, this kitchen was designed to impress. An imported Italian specialty gas range, striking wood range hood, stainless steel appliances, new pendant lighting, and an abundance of drawers and storage make this space as functional as it is beautiful.
A dedicated bakery area adds a unique and charming touch, providing the perfect space for baking, preparing meals, and entertaining. Adjacent to the kitchen, a beautifully designed dining and entertaining area features coordinating glass-front cabinetry, additional counter space, an elegant chandelier, and a warm wood gathering table, creating an inviting atmosphere for family and friends. The open-concept living and dining areas flow effortlessly together, offering comfortable spaces for everyday living and entertaining.
With updated finishes, beautiful lighting, and access to the patio overlooking the peaceful backyard, this home truly embraces relaxed Florida living. Just off the entryway, the versatile flex room offers endless possibilities as a home office, den, reading retreat, or hobby room. Featuring a stunning tray ceiling, statement chandelier, decorative accent wall, and abundant natural light, this space is both stylish and functional.
The spacious primary suite has been beautifully updated, featuring new flooring, an elegant tray ceiling, modern ceiling fan, and multiple windows that fill the room with natural light. The completely renovated primary bathroom offers a luxurious, spa-inspired retreat with beautiful sage-green vanities, elegant gold fixtures, decorative tilework, a separate shower, and a stunning soaking tub accented by custom wood detailing and an exquisite statement chandelier. The additional bedroom and bathroom have also been refreshed with updated flooring, cabinetry, and finishes, providing a comfortable and welcoming space for guests.
Additional features include a spacious laundry room and a two-car garage equipped with overhead storage shelving. Enjoy the convenience of low-maintenance living! The association fee includes complete lawn care, cable television, high-speed internet, reclaimed water irrigation, and access to an impressive collection of community amenities.
Victoria Gardens residents enjoy exclusive access to their private clubhouse, featuring dining, a bar, game rooms, fitness center, resort-style lap pool, tennis and pickleball courts, bocce ball, library, craft activities, and a vibrant social atmosphere.
Description provided by D3 REALTY LLC and reproduced from the MLS; not independently verified.
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · 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.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
Estimated monthly payment
- Principal & interest $2,248/mo 64%
- Taxes $575/mo 16%
- Insurance $133/mo 4%
- HOA $546/mo 16%
$3,502/mo at 20% down, 30-yr @ 7.32% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty 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.
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.
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.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; 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.
What it really costs to own 1401 Palisades Lane
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $4,650/yr (certified county roll, taxable value × millage). Buy at the asking price of $409,000 and the first-year bill resets to about $6,900/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 19.21 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | $546/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Volusia County is $1,807/yr (3,573 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$2,500/yr; neither is a quote. |
| Roof and age | Built in 2017. An original roof is about 9 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Estimated carrying cost at the asking price, before the mortgage: about $1,272/month (tax $575, HOA $546, insurance $151). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
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.
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.
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 2017BuiltPer public record
- About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-10-23" data-fmt="dom">listed Oct 23, 2026</span>)
- Oct 24, 2026First seen on movewithmomentum.comObserved at $409,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
No closed sales of a similar home within about 10 miles in Volusia County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for VICTORIA GARDENS PH 4. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Volusia County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 1,813 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 24, 2026.
Momentum Property Score
38/100 is limited 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.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12296.0 months of supply in the surrounding market and 1 days on market for this home, against a 77-day area median.Days on market:this home 1Area median: 77 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. Source: Data provided by Stellar MLS. As of October 24, 2026.
🟡 Asking $226 per square foot, about in line with the community’s $227 median. VICTORIA GARDENS PH 4’s 12-month median sold price per square foot is $227. MLS facts: Stellar MLS 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: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 24, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by D3 REALTY LLC · MLS # NS1089563
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More on VICTORIA GARDENS PH 4
Go deeper on VICTORIA GARDENS PH 4
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
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 1401 Palisades Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2017: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $546/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 1,813 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 $6,900/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,250 more per year than the current owner’s estimated bill (+48%). 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.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 24, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Volusia County — no medians or automated estimate shown |
| 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 Stellar MLS 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
How big is 1401 Palisades Lane and when was it built?
Per the listing record, 1401 Palisades Lane was built in 2017 and has 1,813 sq ft of living area, 3 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 1401 Palisades Lane in?
1401 Palisades Lane is in Victoria Gardens Ph 4 in Deland, Volusia County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 1401 Palisades Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $546 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 1401 Palisades Lane differ from the current owner's?
The estimate on this page (about $6,900 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,250 more per year than the current owner’s estimated bill (+48%). 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 1401 Palisades Lane 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.
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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 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 jon@movewithmomentum.com 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 Stellar MLS Internet Data Exchange, as distributed by MLS GRID. 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: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. 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.