Charter Oaks Homes for Sale in Holly Hill, FL

Established 1988 · Intracoastal West · ZIP 32224

A maintenance-free townhome community in Holly Hill, with a pool, hot tub, and clubhouse, central between Daytona Beach and Ormond Beach.

Townhomes, maintenance-freePool, hot tub, clubhouseCentral Holly Hill

Live Market Pulse

47/100
Momentum

Buyer-Leaning Market (limited data)

Tight supply keeps sellers in control, but dated interiors still trade at a discount, so condition is where buyers win.

Free · No obligation

Unlock Off-Market Charter Oaks

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive DBAAR data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulseDBAAR

$202K

Median Price

6mo

Supply

112days

Avg DOM

Soft

Seller Leverage

$164/sf

Median $/Sqft

+8%

1-Yr Price Change

0now

Distress

Jon's Current Read

"Charter Oaks reads as an attainable, maintenance-free townhome community in Holly Hill for buyers who want low upkeep and shared amenities at a modest price. It is a tree-lined community of mostly two-bedroom, two-bath townhomes built around 1985, with vaulted ceilings and Florida rooms, a pool, hot tub, and clubhouse, and association-maintained grounds. The buy is condition-and-fees; price each unit on its updates and verify the HOA budget and reserves. Pricing context is third-party and illustrative, accessed June 2026; confirm per unit."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Charter Oaks market snapshot (as of June 25, 2026): the median sale price is about $202K ($164 per sq ft), with homes averaging 112 days on market and 6.0 months of supply, a buyer-leaning market (limited data). Values are up 8% over the past year and up 105% since 2017, based on 4 recent closings in live Daytona-area MLS data.

Charter Oaks is a tree-lined townhome community in Holly Hill, Volusia County, ZIP 32117, centered on Charter Oaks Circle (watsonrealtycorp.com; remax.com, accessed June 2026).

It is primarily two-bedroom, two-bath townhomes, many built around 1985, with oversized Florida rooms, vaulted ceilings, transom windows, and open layouts; many have been renovated. It is a maintenance-free option, with the association maintaining the grounds.

The community includes a pool, hot tub, and clubhouse, and sits centrally in Holly Hill between Daytona Beach and Ormond Beach, near US-1 shopping, the Speedway and Tanger Outlets, and a short drive to the beaches.

As an established townhome community, the things to verify are the HOA budget and reserves and what the dues cover, plus the rental rules and the FEMA flood zone for the specific building, which the map sets per parcel.

Quick Match

Who Charter Oaks is best for.

Best for

Buyers who want a maintenance-free townhome with shared amenities at an attainable price
First-time buyers, downsizers, and snowbirds who value low upkeep
Buyers who want a central Holly Hill location near shopping and the beaches
Buyers comfortable with an HOA in exchange for grounds maintenance and a pool

Probably not for

Buyers who want a single-family home with a private yard and no HOA
Buyers who want a beachside or waterfront address
Anyone unwilling to verify the HOA reserves, rental rules, and flood zone
Buyers who want new construction

Market Pulse

How Charter Oaks is performing right now

47/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

6Months of supplytight

111Median days on marketdays

0 : 2Under contract vs for salestrong demand

4Sold in last 12 monthsliquidity

+105%Median price since 2017appreciation

+4%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from DBAAR, as of June 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Charter Oaks listings and the trailing twelve months of closed sales.

Where prices are going$215K2026 YTD

Median sale price by year. Tap a label to compare Marina Grande on the Halifax or Holly Hill. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square foot$1692026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now2 : 0active : pending

For sale2

Pending0

Sold 12mo4

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Charter Oaks buys, holds, and resells. See the five factors.

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.

1241 Charter Oaks Circle home for sale in Charter Oaks

Active · 146 daysTop listing

$199,999

2 bd · 2 ba · 1,072 sqft · built 1985

1241 Charter Oaks Circle, Holly Hill, 32117

Listed by RE/MAX Signature

1262 Charter Oaks Circle home for sale in Charter Oaks

Active · 77 days

$199,000

2 bd · 2 ba · 1,272 sqft · built 1985

1262 Charter Oaks Circle, Holly Hill, 32117

RenovatedBest value

Listed by Lubansky & White Realty

Interactive Map

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.

Nearby & Commute

How far is everything?

The takeaway

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.

US-1 (Ridgewood Ave) shopping~2 to 5 min · everyday services

Daytona International Speedway / Tanger Outlets~8 to 12 min · shopping and events

The Atlantic beach~12 to 18 min · east across the river bridge

Ormond Beach core (Granada Blvd)~8 to 12 min · north on US-1

Interstate 95 / I-4 access~10 to 15 min · regional corridors

Halifax River and riverfront parks~5 to 8 min · east toward the water

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.

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Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Charter Oaks (no CDD)$0/yr

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

15-Second Take

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.

The takeaway

What is actually moving near Charter Oaks, sourced and dated. We do not publish rumor.

Recent Developments in Charter Oaks

Development Intelligence

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.

Net OutlookBullishHolly Hill is a built-out mainland city, so an established townhome community like Charter Oaks trades on condition, fees, and the amenity package rather than new construction.

Attainable maintenance-free demand

BullishNotable impact

SignificanceRadius: Holly Hill

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

NeutralNotable impact

SignificanceRadius: Charter Oaks

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

NeutralMinor impact

SignificanceRadius: Charter Oaks

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 Strategy

The Charter Oaks buying strategy.

If we were buying in Charter Oaks, this is the order of operations we would run, and the one we run for our clients.

Get the HOA budget and reserve study. Confirm the dues, what they cover, and reserve funding on a 1985-era community before you write.

Confirm the rental rules. Verify the minimum lease term and any board approval in the governing documents, especially if rental use is part of your plan.

Inspect the unit. Roof or building envelope (per the association), HVAC, and any updates drive cost; budget them.

Verify the FEMA flood zone for the building. Confirm the determination and an insurance read for the specific building.

Comp on condition. Listed prices vary widely with renovation, so price the unit against the closest comparable same-condition Charter Oaks sale.

The Quick Decision

Best Buy

A renovated two-bedroom townhome in a building with a funded reserve and verified dues, priced to its true condition.

Biggest Risk

A thin reserve or special assessment on a 1985-era community, an unverified rental rule, or overpaying relative to same-condition comps.

Best Lot

Condition and building position are the value here; the amenities and grounds are shared and funded by the HOA.

Smart Timing

An attainable, maintenance-free community gives a prepared buyer who has read the documents room to negotiate on condition.

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Charter Oaks is a tree-lined townhome community in Holly Hill, Volusia County, ZIP 32117, centered on Charter Oaks Circle, primarily two-bedroom, two-bath townhomes built around 1985 with oversized Florida rooms, vaulted ceilings, transom windows, and open layouts, many renovated. It is a maintenance-free community with a pool, hot tub, and clubhouse and association-maintained grounds, central between Daytona Beach and Ormond Beach near US-1 shopping, the Speedway and Tanger Outlets, and a short drive to the beaches. It is governed by a community association, and the central diligence items are the HOA budget and reserves, the rental rules, the unit's condition, and the FEMA flood zone per building.

Charter Oaks Homes For Sale

What your money buys in Charter Oaks.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in Charter Oaks today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

Entry: original-condition townhomes

$186K to $190K

Original-condition two-bedroom townhomes are the value entry, at the low end of a wide price range. Budget the updates and confirm the HOA dues and reserves before you write (third-party context, June 2026, not MLS).

Lowest entry

Mid: updated two-bedroom townhomes

$190K to $218K

Updated two-bedroom townhomes with the Florida room and vaulted ceilings are the core of the community. Condition separates these; price on the closest comparable same-condition sale.

Most inventory

High: fully renovated townhomes

$218K to $218K

Fully renovated townhomes sit at the top of the community's wide range. Price each on its updates and building, not the community average.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$202K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

$186K to $190K

Entry: original-condition townhomes

$190K to $218K

Mid: updated two-bedroom townhomes

Updated two-bedroom townhomes with the Florida room and vaulted ceilings are the core of the community. Condition separates these; price on the closest comparable same-condition sale.

$218K to $218K

High: fully renovated townhomes

Fully renovated townhomes sit at the top of the community's wide range. Price each on its updates and building, not the community average.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Charter Oaks, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Charter Oaks is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well Charter Oaks holds value.

Our read on the factors that protect resale here, and the one to manage.

No CDD on the tax billStrong

Central Intracoastal West locationStrong

Scarce golf and lake homesitesStrong

$30M club reinvestment to 2028Positive

All-resale 1990s conditionManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Charter Oaks

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

Charter Oaks is attainable, maintenance-free townhome living with a pool and clubhouse. The deal is read in the HOA budget, the reserves, and the unit's condition, not the sticker.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

6.3B- · Buy Score

Resale Strength6.2/10

Renovation Risk6.2/10

Location Efficiency7.0/10

Long-Term Defensibility6.0/10

Carrying Cost Advantage6.2/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on Charter Oaks is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live DBAAR feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live DBAAR feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from DBAAR; for orientation, not an appraisal.

15-Second Take

Condition and building position are the value; the amenities and grounds are shared and HOA-funded.
Listed prices vary widely with renovation; comp unit-by-unit on condition.
Read the reserve study on a 1985-era community before pricing.

In a townhome community, value after condition is driven by the unit and its building, not a piece of land. At Charter Oaks the wide price spread tracks renovation, so the specific unit's updates drive value, and the shared pool, hot tub, and clubhouse plus association-maintained grounds are the amenity package. The honest approach is to confirm the HOA dues and reserves, verify the flood zone and rental rules, then price the unit on its condition against the closest comparable same-condition Charter Oaks sale.

The 15-Second Verdict

Charter Oaks in 15 seconds.

Best forFirst-time buyers, downsizers, and snowbirds who want a maintenance-free townhome with shared amenities.

Strong onValue and low upkeep: a pool, hot tub, and clubhouse with association-maintained grounds, central in Holly Hill.

WatchThe HOA reserves on a 1985-era community, the rental rules, and the wide condition-driven price spread.

Not forBuyers who want a single-family home with a private yard and no HOA, or a beachside address.

The edgeAn attainable, maintenance-free townhome with real amenities in a central Holly Hill location.

HOA, CDD & Fees

15-Second Take

The HOA fee is set by the Charter Oaks association and covers grounds and the amenities; get the current dues and inclusions.
Read the reserve study on a 1985-era community before you offer.
No CDD is expected on this established community; confirm per parcel.
Confirm the rental rules and your unit-interior responsibilities.

Charter Oaks is governed by a community association that maintains the grounds and amenities; request the current dues, what they cover, and the reserve funding for the specific unit before you offer. No CDD is expected on an established community; confirm per parcel.

Association dues typically cover grounds and common-area maintenance, the pool, hot tub, and clubhouse, exterior or building elements per the documents, and reserves; confirm the exact inclusions and your unit-interior responsibilities in writing.

The pool, hot tub, and clubhouse are community amenities covered by the dues, not a separate membership.

Run Your Numbers

Tools for a Charter Oaks buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxVolusia County millage and the homestead picture.Rent vs buyThe breakeven on owning in Charter Oaks.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in Charter Oaks

Thinking of selling at Charter Oaks?

Your buyer is comparing attainable maintenance-free townhomes in Holly Hill, so sell what is specific and verifiable: the unit's condition and updates, the HOA dues and reserves, the amenities, and a clean flood and insurance picture.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Charter Oaks, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Marina Grande on the Halifax, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Charter Oaks home worth?

Get a no-obligation home value based on real comparable sales in Charter Oaks matched to your condition, lot, and view, 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 on the map →

Real comps, not a Zestimate.

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.

$1,789/mo

Volusia County typical true cost to own

$151/mo

Volusia County typical home insurance

Check CDD

Confirm 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.

Charter Oaks Market Scorecard

Buyer-Leaning Market (limited data)

Charter Oaks is currently a buyer-leaning market (limited data). About 6.0 months of supply, a median asking price of $199,500, and homes go under contract in about 116.5 days.

6.0

Months supply

$199,500

Median list

$201,750

Median sold

$164

Per sqft

116.5

Days on mkt

2/0/4

Active/Pend/Sold

Typical home value in the 32117 ZIP is $213,226, about 17.7% below the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Frequently Asked Questions

Where is Charter Oaks?

Charter Oaks is a townhome community in Holly Hill, ZIP 32117, centered on Charter Oaks Circle, central between Daytona Beach and Ormond Beach.

What kind of homes are in Charter Oaks?

Primarily two-bedroom, two-bath townhomes built around 1985, with oversized Florida rooms, vaulted ceilings, and open layouts; many have been renovated.

What amenities does Charter Oaks have?

A pool, hot tub, and clubhouse, with association-maintained grounds, making it a maintenance-free option. Confirm current amenity status with the association.

What are the HOA dues?

Charter Oaks is governed by a community association that maintains the grounds and amenities; request the current dues, inclusions, and reserve funding for the specific unit before you offer.

What do units cost at Charter Oaks?

Listed prices span a wide range depending on condition and renovation; pricing is best confirmed per unit (third-party data, June 2026, not MLS). Confirm current pricing for a specific unit.

Can I rent my unit, and is there a minimum?

Verify the rental minimum and any board approval in the governing documents, especially if rental use is part of your plan.

Is there a CDD?

No CDD is expected on an established community like Charter Oaks, but confirm per parcel as a matter of course.

Is Charter Oaks on the beach?

No. It is a central Holly Hill mainland community; the beaches are about 12 to 18 minutes east across the river bridge.

Is Charter Oaks in a flood zone?

Confirm the FEMA flood zone for the specific building; the map is authoritative per parcel, and Holly Hill flood exposure varies.

What schools serve Charter Oaks?

It is served by Volusia County Schools, with assignments set by address. Confirm the current zoned schools for the specific unit with the district before you rely on it.

What is nearby?

US-1 shopping, the Daytona International Speedway and Tanger Outlets, the Halifax River and riverfront parks, and a short drive to the beaches and I-95.

Should I use the listing agent to buy at Charter Oaks?

No. The listing agent works for the seller. In a townhome community where reserves, dues, and condition move value, having your own representation, which costs you nothing as the buyer, is the highest-leverage decision you make.

Who is the best real estate agent for Charter Oaks?

The best agent for Charter Oaks is one who actively works Holly Hill and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Charter Oaks.

How do I find a top Holly Hill real estate agent who knows Charter Oaks?

Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Charter Oaks and the wider Holly Hill area.

Can Momentum Realty connect me with an agent for Charter Oaks?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Charter Oaks purchase or sale - no call center and no pressure.

The Verdict

Should you buy in Charter Oaks?

An honest fit check. We will tell you when it is not your community.

You want a maintenance-free townhome with shared amenities at an attainable priceExcellent fit

You are a first-time buyer, downsizer, or snowbird who values low upkeepExcellent fit

You want a central Holly Hill location near shopping and the beachesExcellent fit

You will verify the HOA reserves, rental rules, and the FEMA flood zoneExcellent fit

You want a single-family home with a private yard and no HOAProbably not

You want a beachside or waterfront addressProbably not

You want new constructionProbably not

You are unwilling to read the reserve study and verify the duesProbably not

Get the inside read on Charter Oaks

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Charter Oaks home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty Charter Oaks specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Charter Oaks - what to look for, questions to ask, and your local expert.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. © 2026 Daytona Beach Area Association of REALTORS®, Inc. Information deemed reliable but not guaranteed.

Charter Oaks Homes for Sale in Holly Hill, FL

The 60-Second Overview

Who Charter Oaks is best for.

Best for

Probably not for

How Charter Oaks is performing right now

Homes For Sale Right Now in Charter Oaks

Charter Oaks on the map.

How far is everything?

Nearby Communities

Schools

Recent Developments in Charter Oaks

Attainable maintenance-free demand

Florida condo and HOA reserve rules

Wide condition-driven price spread

Community profile documented by third-party sources

The Charter Oaks buying strategy.

The full read, only if you want it.

What your money buys in Charter Oaks.

What ~$202K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Charter Oaks holds value.

5 Mistakes Buyers Make in Charter Oaks

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on Charter Oaks is different.

Which Lots & Views Hold Value Best

Charter Oaks in 15 seconds.

HOA, CDD & Fees

Tools for a Charter Oaks buy.

Thinking of selling at Charter Oaks?

In Charter Oaks, condition and view decide your number

What is your Charter Oaks home worth?

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

Charter Oaks Market Scorecard

Frequently Asked Questions

Should you buy in Charter Oaks?

Get the inside read on Charter Oaks

You are all set.

Need to sell fast in Duval County?

You just read the data. Now see what your home is worth.

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