Charter Oaks Holly Hill
Homes for Sale in Holly Hill, FL
True comps, carrying-cost math, and listings before the portals.
Charter Oaks Holly Hill is a small, tightly built community: 47 homes, all raised in 1985 and 1986, with a median living area of 1,072 square feet. That narrow construction window and compact footprint mean these homes read as consistent in scale and vintage — buyers here aren't choosing between decades of design eras, they're choosing between condition and updates on a shared floor-plan era.
Inventory is thin. With just two active listings and 6 months of supply, the market reads as balanced as of July 12, 2026 — not tilted hard toward buyers or sellers — but a two-listing pool means a correctly priced home controls the conversation, and a buyer waiting for a specific unit to come up may be waiting a while. A homestead share of 76.6% points to most properties being owner-held rather than cycling through as rentals, which tends to support steadier upkeep unit by unit.
Charter Oaks Holly Hill right now
🟡 Balanced market. 6.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of DBAMLS records, as of July 12, 2026. Confidence: Low (2 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 12, 2026 · Live data: DBAMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The setting & the homes.
Aerial and on-site photos of Charter Oaks Holly Hill. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Charter Oaks Holly Hill
Charter Oaks Holly Hill
Charter Oaks Holly Hill
Charter Oaks Holly Hill
Charter Oaks Holly Hill
Charter Oaks Holly Hill
Charter Oaks Holly Hill
Charter Oaks Holly HillPhotos from DBAMLS listings in Charter Oaks Holly Hill; content deemed reliable but not guaranteed.
Who Charter Oaks Holly Hill is best for.
Best for
- Buyers who want exterior maintenance — grounds, structure, pool, clubhouse — handled by the HOA rather than themselves.
- Buyers comfortable with a compact living area around 1,072 square feet rather than maximizing square footage.
- Buyers targeting a small, single-era Holly Hill community with consistent 1985-1986 construction.
Probably not for
- Buyers who want to compare several similar listings before deciding — inventory here typically runs one or two homes.
- Buyers who need a large living area, since the median unit runs about 1,072 square feet.
- Buyers looking for new or recently built construction, since every home here dates to 1985 or 1986.
The market around Charter Oaks Holly Hill
Charter Oaks Holly Hill is too small for its own price trend, so here is the market around it.
Across Volusia County, 4,230 homes are active and 1,084 pending (20% under contract).
ZIP and county figures describe the wider market, not Charter Oaks Holly Hill specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Charter Oaks Holly Hill
Live MLS inventory for Charter Oaks Holly Hill. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Charter Oaks Holly Hill listings as of 2026-07-12, priced high to low. © 2026 Daytona Beach Area Association of REALTORS®, Inc. Tap any home to ask about it.
Charter Oaks Holly Hill on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from DBAMLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Charter Oaks Holly Hill
- Pool · reported on 5 of 5 listings
- Clubhouse · reported on 4 of 5 listings
- Maintenance Grounds · reported on 4 of 5 listings
- Maintenance Structure · reported on 2 of 5 listings
- Barbecue · reported on 1 of 5 listings
Community amenities as reported across DBAAR listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Charter Oaks on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.
Listing locations from DBAAR; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.
How far is everything?
The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.
Drive times from Charter Oaks. They are approximate and vary with traffic and your exact start point.
Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.
Nearby Communities
Explore more neighborhoods near Charter Oaks Homes for Sale in Holly Hill, FL with Momentum Realty’s local guides.
Carrying cost · the no-CDD edge
No CDD bond means thousands less per year than newer master plans.
Roughly $25,000 saved over 10 years in carrying cost, before resale.
Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.
Schools
- Volusia County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Confirm current ratings before relying on them
- Private and parochial options nearby
Charter Oaks is served by Volusia County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.
Buying with schools in mind? We can confirm the exact zoned schools for any Charter Oaks address.
What is actually moving near Charter Oaks, sourced and dated. We do not publish rumor.
Recent Developments in Charter Oaks
Our read on what is being built around Charter Oaks, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.
Attainable maintenance-free demand
Demand for attainable, maintenance-free townhomes with a pool and clubhouse stays steady from first-time buyers, downsizers, and snowbirds in central Holly Hill.
Florida condo and HOA reserve rules
Florida's reserve-funding rules apply to community associations; read the budget and reserve study so you understand the dues trajectory and any assessment risk on a 1985-era community.
Wide condition-driven price spread
Listed prices span widely depending on condition and renovation, so the specific unit's updates drive value more than the community average; comp unit-by-unit.
Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.
Development, infrastructure, retail, and school activity affecting Charter Oaks, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.
Showing the latest, scroll for all updates ↓
- June 2026
Community
Community profile documented by third-party sources
Third-party sources describe Charter Oaks as a tree-lined Holly Hill townhome community of mostly two-bedroom, two-bath units built around 1985, with a pool, hot tub, and clubhouse and association-maintained grounds. Why it matters: Build era, unit type, and amenities are reported by third-party sources; verify the HOA budget, reserves, rental rules, and the FEMA flood zone before relying on them. Source
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Charter Oaks Holly Hill buying strategy.
If we were buying in Charter Oaks Holly Hill today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Charter Oaks Holly Hill.
A Small, Single-Era Community
Every home in Charter Oaks Holly Hill went up in 1985 or 1986, and the median unit runs 1,072 square feet — this is a compact, single-phase build, not a community that grew in additions across multiple decades. That consistency shows up in the amenity package: pool, clubhouse, maintenance of grounds and structure, and a barbecue area are all reported across this community's MLS listings, pointing to an HOA-maintained exterior rather than a purely self-managed street. (Amenities and access should still be verified directly with the HOA.)
With only 47 homes total and two currently active on the market, this is not a community where a buyer can line up five comparable listings side by side. Months of supply sits at 6, placing the market in balanced territory rather than tilted hard toward either side. A homestead share of 76.6% suggests the bulk of these units are owner-held rather than investment turnover stock, which matters for anyone trying to read how consistently the community has been maintained over time.
The location and the amenities are priced into every listing in Charter Oaks Holly Hill. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A 47-home community with two active listings doesn't generate much public data to work from — pricing here comes down to knowing what closed recently and the actual condition of each of those two units, not scrolling a long list of comparables. Momentum tracks this inventory as it moves, including activity that isn't sitting on the public market at a given moment, so buyers and sellers aren't limited to whatever two listings happen to be live when they start looking.
Charter Oaks Holly Hill in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Charter Oaks Holly Hill buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Charter Oaks Holly Hill sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Charter Oaks Holly Hill, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Charter Oaks Holly Hill home worth?
Get a no-obligation home value based on real comparable sales in Charter Oaks Holly Hill, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Charter Oaks Holly Hill on the map →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Volusia County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Volusia County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
21% of homes for sale in ZIP 32117 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-07-18).
Charter Oaks Market Scorecard
Charter Oaks is currently a buyer-leaning market (limited data). About 6.0 months of supply, a median asking price of $194,950, and homes go under contract in about 130.5 days.
Typical home value in the 32117 ZIP is $214,625, about 17.5% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: © 2026 Daytona Beach Area Association of REALTORS®, Inc. Refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Charter Oaks Market Scorecard
Charter Oaks is currently a buyer-leaning market (limited data). About 6.0 months of supply, a median asking price of $194,950, and homes go under contract in about 125.5 days.
Typical home value in the 32117 ZIP is $214,625, about 17.5% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: © 2026 Daytona Beach Area Association of REALTORS®, Inc. Refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Is Charter Oaks Holly Hill a buyer's or seller's market right now?
How many homes are in Charter Oaks Holly Hill?
What share of Charter Oaks Holly Hill is owner-occupied?
When were the homes in Charter Oaks Holly Hill built?
Who is the best real estate agent for Charter Oaks Holly Hill?
How do I find a top Holly Hill real estate agent who knows Charter Oaks Holly Hill?
Can Momentum Realty connect me with an agent for Charter Oaks Holly Hill?
Should you buy in Charter Oaks Holly Hill?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Charter Oaks Holly Hill with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | DBAMLS, refreshed twice daily (last: July 12, 2026) |
| Housing stock & ownership | Florida DOR 2025 assessment roll (community parcel extract) |
| Under-contract shares | DBAMLS records, as of 2026-07-12 |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of DBAMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the DBAMLS member average and 8 days faster, and we’ll price yours against live your area comps.
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