Charter Oaks
Homes for Sale in Holly Hill, FL
All 81 homes for sale in Holly Hill, FL · median $270,000 · Volusia County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of Newton White, Lubansky & White Realty · via DBAMLS
As of September 2026, Charter Oaks in Holly Hill, FL has 2 homes for sale. Homes listed or recently sold were built 1985–1985; 6 of 6 report an HOA (median $217/mo); none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 8 ft).

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 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 September 20, 2026 · Live data: DBAMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
A compact, single-era community of 47 homes built in 1985 and 1986, where HOA-covered grounds, structure, pool, and clubhouse take exterior maintenance off the owner's plate.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Charter Oaks. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from DBAMLS listings in Charter Oaks; content deemed reliable but not guaranteed.
Who Charter Oaks 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
Charter Oaks 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 specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Charter Oaks
Live MLS inventory for Charter Oaks. 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 listings as of 2026-09-19, priced high to low. © 2026 Daytona Beach Area Association of REALTORS®, Inc. Tap any home to ask about it.
Every Home for Sale in Charter Oaks Holly Hill Right Now (2)
All 2 active and pending Charter Oaks Holly Hill listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1262 Charter Oaks Circle · $189,900 · 2 bd / 2 ba · listed Jun 21, 2026 · listed by Lubansky & White Realty
- 1241 Charter Oaks Circle · $199,999 · 2 bd / 2 ba · pending · listed Jun 21, 2026 · listed by RE/MAX Signature
Charter Oaks 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
- 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.
The Charter Oaks buying strategy.
If we were buying in Charter Oaks 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.
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. 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 in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $210/month (about $2,520/yr) · median of 32 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $210 per month ($2,520 a year) — the median AssociationFee across 32 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
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 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 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, 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 home worth?
Get a no-obligation home value based on real comparable sales in Charter Oaks, 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 all homes for sale in Holly Hill →
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.
22% 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 (2026-09-20).
Charter Oaks Market Scorecard
Charter Oaks is currently a balanced market (limited data). About 3.0 months of supply, a median asking price of $189,900, and homes go under contract in about 163 days.
Typical home value in the 32117 ZIP is $214,984, about 17.4% 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 a buyer's or seller's market right now?
How many homes are in Charter Oaks?
What share of Charter Oaks is owner-occupied?
When were the homes in Charter Oaks built?
Who is the best real estate agent for Charter Oaks?
How do I find a top Holly Hill real estate agent who knows Charter Oaks?
Can Momentum Realty connect me with an agent for Charter Oaks?
Where is Charter Oaks, and what county is it in?
Should you buy in Charter Oaks?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | DBAMLS, refreshed twice daily (last: September 19, 2026) |
| Housing stock & ownership | Florida DOR 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.
Own a home here?
You just read the data. Now see what your home is worth.
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 local comps.
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See how Charter Oaks fits the bigger picture — live prices, inventory, and Momentum Scores:
More Holly Hill & Volusia County / Daytona Beach Area guides
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