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Lone Oak in Port Orange

Lone Oak

Established 1988 · Intracoastal West · ZIP 32224

A small no-HOA single-family neighborhood off Spruce Creek Road in Port Orange, late-1980s homes on quarter-acre lots across from a community park.

No HOAQuarter-acre lotsTop-rated schools
Live Market Pulse
55/100
Momentum
Balanced Market (limited data)
Tight supply keeps sellers in control, but dated interiors still trade at a discount, so condition is where buyers win.
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Unlock Off-Market Lone Oak

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
$302K
Median Price
6mo
Supply
64days
Avg DOM
Balanced
Seller Leverage
$172/sf
Median $/Sqft
-6%
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Lone Oak is a small, established no-HOA single-family neighborhood off Spruce Creek Road in Port Orange, late-1980s homes on tree-lined quarter-acre lots, directly across from a renovated community park. The read is value-and-freedom: solid detached homes with no association dues in the strong Spruce Creek school zone, minutes from I-95 and a short drive to the beach. The trade is age and condition on 1980s homes plus a Spruce Creek Road corridor where the city has documented localized flooding, so the inspection and the parcel flood check are the homework."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Lone Oak is a small single-family subdivision, platted as Lone Oak Unit 1, on Lone Oak Drive off South Spruce Creek Road in Port Orange, Volusia County (ZIP 32127), on the mainland west of the Halifax River (Compass and Redfin records, 2026). The homes were built in 1988 and 1989, generally three-bedroom, two-bath houses with split floor plans and two-car garages, roughly 1,596 to 2,395 square feet on quarter-acre, tree-lined lots.

It is an inland mainland location, with All Children's Park directly across the street, I-95 a few minutes north via Dunlawton, and the beach a short drive east (386realestate and city data, 2026). The neighborhood is not gated.

There is no homeowners association, confirmed by the neighborhood description and the absence of HOA fees across listings, a genuine draw for buyers who want freedom from association rules and dues (386realestate.com and listing data, 2026). Lone Oak in Port Orange should not be confused with the separate Lone Oak community in St. Petersburg.

Pricing reflects an established Port Orange neighborhood in a strong school zone, with recent active listings around $379,000 to $419,000 and a confirmed prior sale near $305,000 in 2021 (RE/MAX, Redfin, and premierlistings, 2021 to 2026), against a 32127 area median sale around $345,000. The community is in the Spruce Creek school zone.

Quick Match

Who Lone Oak is best for.

Best for

  • Buyers who want an established, no-HOA single-family home on a quarter-acre lot
  • Families who value the strong Spruce Creek school zone and a park across the street
  • Buyers comfortable updating a late-1980s home in a settled neighborhood

Probably not for

  • Buyers who want a newer or gated, amenity-rich community
  • Anyone who wants a waterfront or beachside home
  • Buyers unwilling to check the Spruce Creek Road corridor flood picture
Market Pulse

How Lone Oak is performing right now

55/100
momentum
Balanced Market (limited data)
Seller's marketBalancedBuyer's market
6Months of supplytight
64Median days on marketdays
1 : 1Under contract vs for salestrong demand
2Sold in last 12 monthsliquidity
+127%Median price since 2012appreciation
+32%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 10, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Lone Oak listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

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

Homes For Sale Right Now in Lone Oak

Live MLS inventory for Lone Oak. 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.

5929 Hatteras Drive home for sale in Lone OakActive · 64 daysTop listing
$390,000
3 bd · 2 ba · 1,714 sqft · built 1990
5929 Hatteras Drive, Port Orange, 32127
Strong resaleRenovatedBest value
Listed by Keller Williams Realty Florida Partners
696 Saybrook Street home for sale in Lone OakPending · 24 days
$349,000
3 bd · 2 ba · 1,738 sqft · built 1989
696 Saybrook Street, Port Orange, 32127
Reno opportunityBest value
Listed by RE/MAX Advantage

Active and pending Lone Oak listings as of 2026-06-10, priced high to low. © 2026 Daytona Beach Area Association of REALTORS®, Inc.. Tap any home to ask about it.

Interactive Map

Lone Oak 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 Lone Oak. They are approximate and vary with traffic and your exact start point.

All Children's Park~1 min · across the street
Interstate 95 (Dunlawton)~5 to 8 min · about 2 to 3 miles north
Atlantic Ocean beach~15 to 20 min · east over the Dunlawton bridge
Downtown Port Orange / Riverwalk~8 to 12 min · east toward US-1
Daytona Beach International Airport (DAB)~13 min · about 8 miles
New Smyrna Beach~14 min · about 10 miles south
Orlando~57 to 75 min · about 58 miles southwest

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 Lone Oak with Momentum Realty’s local guides.

Summer TreesPort Orange · 0.5 miSabal CreekPort Orange · 1.3 miCountrysidePort Orange · 1.9 miAshton LakesPort Orange · 2.0 miSterling ChasePort Orange · 2.2 miODThe OceansDaytona Beach Shores · 2.7 mi

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
Lone Oak (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

Lone Oak 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 Lone Oak address.

The takeaway

What is actually moving near Lone Oak, sourced and dated. We do not publish rumor.

Recent Developments in Lone Oak

Development Intelligence

Our read on what is being built around Lone Oak, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishThe defining items are a city stormwater push on the Spruce Creek Road corridor and a completed renovation of the park across the street, plus steady Port Orange growth.

Spruce Creek Road corridor stormwater work

BullishPort Orange secured tens of millions for stormwater projects, including the Spruce Creek Road and Dunlawton area, after documented corridor flooding. impact
SignificanceRadius: Spruce Creek Rd corridor

Spruce Creek Road corridor stormwater work

All Children's Park renovation

BullishThe renovated pirate-themed playground and splash pad at All Children's Park across the street reopened, an everyday amenity for the neighborhood. impact
SignificanceRadius: S Spruce Creek Rd

All Children's Park renovation

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 Lone Oak, 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 ↓

  1. 2025
    Resilience

    Port Orange stormwater funding for the corridor

    In October 2025, Volusia County's Transform386 program awarded Port Orange more than 21 million dollars for stormwater projects, including work in the Spruce Creek Road and Dunlawton corridor, after a resident raised corridor flooding concerns following Hurricane Milton. Why it matters: Major stormwater investment in the corridor is a measured positive, while underscoring the importance of a parcel-level flood check. Source

  2. 2026
    Parks

    All Children's Park renovation reopens

    The renovated pirate-themed playground and splash pad at All Children's Park, directly across from Lone Oak, reopened in 2026. Why it matters: A refreshed park across the street is a durable everyday amenity for the neighborhood. 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 Lone Oak buying strategy.

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

1

Pull the FEMA flood zone for the parcel. The Spruce Creek Road corridor has documented localized flooding; confirm the zone for the specific lot at msc.fema.gov and consider an insurance quote even if not required.

2

Confirm the no-HOA status and any deed restrictions. Lone Oak has no HOA; verify there is none for the parcel and check the title for any deed restrictions.

3

Inspect a late-1980s home. Confirm the roof, HVAC, and systems and any pool, and budget for what is original.

4

Verify the school assignment. The Spruce Creek pattern is strong; confirm the current assignment by address with Volusia County Schools.

5

Comp within the neighborhood and Port Orange. Price off recent Lone Oak Drive sales and comparable Port Orange homes in the same school zone.

The Quick Decision
Best Buy
A well-kept three-bedroom on a higher-and-drier quarter-acre lot, with a clean flood check, priced off recent Lone Oak and Port Orange comps.
Biggest Risk
Age and condition on 1980s homes, and a corridor with documented localized flooding to verify per parcel.
Best Lot
Larger or higher-and-drier lots carry a modest edge; standard quarter-acre lots are the value core.
Smart Timing
Established Port Orange homes in this school zone trade steadily; a prepared, pre-approved buyer has an edge (RE/MAX and Redfin, 2026).
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

The Homes

Gating

Dual-gated, with attended North and South entrances.

Styles & age

Traditional, ranch, and contemporary single-family, built 1987-2000.

Lots & sizes

Golf, lake, preserve, and interior lots (~0.25-0.5+ acres); homes ~2,400-4,000 sq ft.

Builder

Arvida (with JMB Partners).

Costs & Governance

CDD

None. No Community Development District bond on the tax bill.

POA dues

Quarterly POA dues (separate from the club) vary by lot size and include Hotwire internet and cable TV. Confirm the current amount.

Management

Vesta Property Services.

Amenities & Lifestyle

Golf

18-hole course and a 26,000 sq ft member-owned clubhouse (membership optional).

Pool & fitness

Heated club pool, a fitness center, and ten lighted clay tennis courts.

Kids

In-community Woodland Park with a playground, basketball court, and sports field.

Getting around

Sidewalks on some roads; a golf-cart-friendly community.

Location & Nearby

Setting

Intracoastal West Jacksonville, ZIP 32224, off Hunt Club Road.

Nearby

Under 15 minutes to the beaches, St. Johns Town Center, and Mayo Clinic; UNF about 8 minutes.

Schools

Duval County: Chets Creek, Kernan Middle, Atlantic Coast (ratings below).

Homes & Architecture

Lone Oak homes were built largely between 1987 and 2000 in traditional, ranch, and contemporary styles, on a mix of golf frontage, lakefront, preserve, and interior lots. Because the community is built out, you are buying into a spectrum that runs from original 1990s condition to fully renovated, and the price gap between the two is enormous. A dated home and a beautifully renovated one a few doors apart can differ by hundreds of thousands of dollars, which is exactly where buyers overpay or find value.

This makes Lone Oak a renovation market as much as a resale market. Many of the best buys are homes in great locations that need updating, where an honest budget for roof, HVAC, pool, and modernization turns a dated house into a strong long-term hold. The risk is underestimating that budget, which is why reading the renovation math is the core skill here.

More on Living in Lone Oak

The depth without the wall of text. Open what matters to you.

Location and commute
Lone Oak's Intracoastal West position is a big part of its appeal. It is about four miles from the Atlantic beaches, roughly a 10 to 15 minute drive, and about ten minutes from the St. Johns Town Center for shopping and dining. The UNF and Mayo Clinic corridor is close, and Downtown and the Southside job centers are an easy reach via Beach and JT Butler boulevards.
Traffic reality
The community itself is quiet and gated, but the surrounding Hodges, Beach, and JT Butler boulevard corridors are busy and commercial, and continue to develop. That is the trade-off for the central, convenient location, with everyday shopping and dining minutes away. Test-drive your real commute at your real departure time.
Shopping and dining
The St. Johns Town Center, one of the region's largest shopping and dining destinations, is about ten minutes away, and the Beach Boulevard and Hodges corridors cover everyday needs. The beaches at Atlantic, Neptune, and Ponte Vedra are a short drive east for dining and recreation.
Insurance and flood
As an Intracoastal West community a few miles inland with 26 community lakes, flood exposure varies lot by lot, so pull the exact FEMA flood zone for a specific address rather than assuming. On the homeowners side, roof age is the biggest swing on a 1990s home, so a recently re-roofed house is far easier and cheaper to insure. Always get a real insurance quote on the specific home.
Lone Oak Buyer Due Diligence

Before you write an offer on any Lone Oak home, run this list. Missing any one of these is how buyers overpay or inherit a problem.

Property Systems

  • Roof and HVAC age, and the resulting insurance quote
  • Pool equipment age and condition
  • An honest renovation budget for roof, HVAC, pool, and updates

Financial

  • POA dues and inclusions (Hotwire internet and cable, access control) in writing
  • The club decision and the true cost of the membership you would use
  • Total carrying cost: HOA, optional club, insurance, near-term repairs

Resale Strength

  • Lot quality and view, and whether the premium is fair
  • Golf, lake, or preserve frontage versus an interior lot
  • The interior-lot warning: where buyers overpay

Verification

  • Flood zone for the specific parcel, given the community lakes
  • School zoning by address, confirmed with the district
  • True closed comps by condition and lot, not a Zestimate

Questions we ask on a specific home

The questions a local who knows Lone Oak asks are different from the ones a portal answers. On any specific home, we want to know:

  • Homes along the fairways at Lone Oak

    How old are the roof, HVAC, and pool equipment, and what does that do to the insurance quote?

  • Clubhouse entrance at Lone Oak

    What is the honest renovation budget to bring this home current?

  • Lakes and amenities at Lone Oak

    What does the view back to: golf, lake, preserve, or another home?

  • Clubhouse at Lone Oak

    What exactly do the POA dues include (Hotwire internet and cable, access control), and what would the club cost at the tier we would use?

  • Gated entrance at Lone Oak

    Is this one of the stronger resale lots, or a base lot priced like a premium one?

  • Aerial of Lone Oak

    How does this home compare to the closest active and sold listings in Glen Kernan?

Jon Brooks · Co-Founder, Momentum Realty

Lone Oak is a condition game. The gates, the course, and the location are priced into every listing, so the money is made or lost on the renovation math, the lot and view, and the club decision. A dated interior home and a renovated golf-frontage home are completely different buys at very different true costs, even when the list prices look close. The listing agent works for the seller. Our job is to read the renovation honestly, verify the POA inclusions and the full carrying costs, pull the true comparable sales, and structure an offer that protects you.

Our advice to Lone Oak buyers is to cross-shop it against Glen Kernan and Deerwood on location, lot, and total cost of ownership, and to move decisively on the right golf or lakefront home, since the best views still sell fast. With no CDD and an optional, affordable club, Lone Oak is one of the strongest values among Jacksonville's gated golf communities for the buyer who reads it right.

Lone Oak vs. Comparable Communities

How Lone Oak cross-shops against the communities buyers most often weigh against it, on the factors that actually decide the buy.

CommunityEntryNo CDD?ClubTo BeachBest ForThe Watch-Out
Jacksonville G&CC$$YesMember-owned, optional~15 minGated golf without Ponte Vedra pricing1990s resale condition
Glen Kernan$$$$YesMember-owned~15 minAll-custom estate buyersHigher entry, thin market
Deerwood$$$YesPrivate country club~25 minEstablished prestige, larger lotsOlder stock, farther from beach
Queens Harbour$$$YesYacht & country club~15 minBoating & Intracoastal accessMarina/club fees, higher entry
Pablo Creek Reserve$$$$YesLuxury enclave (no on-site club)~10 minNewer custom luxuryTop-of-market pricing
Nocatee$$NoMaster-planned amenities~20-25 minNew construction & amenitiesFull CDD, longer drive
Sawgrass Country Club$$$YesResort golf & tennis~10 minPonte Vedra resort lifestyleHigher priced

Cross-shop read from Momentum. Entry tiers ($$ from the high $600s, $$$ around $1M+, $$$$ estate-level), club style, and drive times are approximate orientation, not quotes. Confirm CDD status, fees, and current pricing per community and parcel.

Who Lone Oak Fits Best

We would rather tell you the truth than sell you the wrong house. Here is who Lone Oak fits, and who should look elsewhere. It is a property question, not a personal one.

Great fit if you want

  • A gated, established golf community in a central, convenient location.
  • An optional, relatively affordable member-owned club.
  • No CDD and a strong resale story on the right lot.
  • Renovation upside on a well-located 1990s home.
  • Minutes to the Town Center, beaches, UNF, and Mayo Clinic.

Probably not ideal if you want

  • A brand-new build with the latest finishes and a builder warranty.
  • The lowest possible entry price; this is a seven-figure market on average.
  • A turnkey home with zero renovation, with no premium to pay for it.
  • No HOA structure and none of the rules that come with a gated community.
  • Estate-size acreage; lots here are master-planned, not sprawling.

The honest trade-offs

Pros

  • Gated, established golf community in a central Intracoastal West location.
  • 18-hole course and a member-owned club with optional, relatively affordable dues.
  • NO CDD, a real carrying-cost edge over newer master plans.
  • Minutes from the St. Johns Town Center, beaches, UNF, and Mayo Clinic.
  • Dual attended gates and 26 lakes give it a mature, private character.
  • Renovation upside on well-located 1990s homes.

Cons

  • A seven-figure market on average; not an entry-level community.
  • All-resale 1990s housing stock that often needs updating.
  • HOA dues plus optional club costs to budget separately.
  • The best golf and lakefront lots command premiums and sell fast.
  • Busy surrounding Hodges, Beach, and JT Butler corridors.
  • No new construction; every purchase is a resale.
Lone Oak Homes For Sale

What your money buys in Lone Oak.

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 Lone Oak 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 three-bedroom
$270K to $270K

The value tier: a 1988 or 1989 three-bedroom in original condition. A prior Lone Oak sale closed near $305,000 in 2021, with the broader 32127 median sale around $345,000 since (Redfin, 2021 to 2026). Budget for updates and verify the roof and systems.

Lowest entry
Mid: updated home, often with a pool
$270K to $335K

An updated three-bedroom, often with a pool, the core of demand. Recent active listings have run around $379,000 to $419,000 (RE/MAX and premierlistings, 2025 to 2026). Price off the closest updated comparable in the neighborhood.

Most inventory
High: larger or fully updated home
$335K to $335K

A larger, roughly 2,100 to 2,395 square foot home or a fully renovated one, at the top of the neighborhood range (Redfin listing data, 2026). Confirm the lot and the flood zone for the specific home.

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 ~$302K buys here.

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

$270K to $270K
Entry: original-condition three-bedroom
The value tier: a 1988 or 1989 three-bedroom in original condition. A prior Lone Oak sale closed near $305,000 in 2021, with the broader 32127 median sale around $345,000 since (Redfin, 2021 to 2026). Budget for updates and verify the roof and systems.
$270K to $335K
Mid: updated home, often with a pool
An updated three-bedroom, often with a pool, the core of demand. Recent active listings have run around $379,000 to $419,000 (RE/MAX and premierlistings, 2025 to 2026). Price off the closest updated comparable in the neighborhood.
$335K to $335K
High: larger or fully updated home
A larger, roughly 2,100 to 2,395 square foot home or a fully renovated one, at the top of the neighborhood range (Redfin listing data, 2026). Confirm the lot and the flood zone for the specific home.

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 Lone Oak, 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.

Updated homes ask about 13% more per square foot than original-condition homes, and they tend to sell faster. In an all-resale market, condition is the single biggest swing in value, which is why reading the renovation math is the whole game.

Asking price per square foot
Renovated$228
Original$201
Median days on market
Renovated64
Original24

From current Lone Oak listings (renovated 1, original 1); condition inferred from listing descriptions, asking not closed figures. The exact number depends on a specific home's updates, lot, and view, which is the read we do before you offer.

Jon Brooks, Momentum Realty
Operator Note

The trap here is a beautifully staged original-condition home. Staging is cheap; a roof, HVAC, and a full modernization are not. We price the real renovation before you fall for the listing photos, because in an all-resale market that number is the difference between a deal and the most expensive house on the street.

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.

Jon Brooks, Momentum Realty
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 Lone Oak 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.

Jon Brooks, Momentum Realty
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 Lone Oak

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.

Lone Oak1

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.

Lone Oak2

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.

Lone Oak3

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.

Lone Oak4

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.

Lone Oak5

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.

“

Lone Oak sells an established, no-HOA home in a strong school zone with a park across the street. The deal is found in a sound 1980s home, the no-HOA freedom, and the parcel flood check, not in the lowest 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.

7.0B · Buy Score
Resale Strength7.2/10
Renovation Risk6.2/10
Location Efficiency7.4/10
Long-Term Defensibility7.0/10
Carrying Cost Advantage7.4/10

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 Lone Oak 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
  • Larger or higher-and-drier lots carry a modest edge; standard quarter-acre lots are the value core.
  • On this corridor, verify the parcel flood zone even where insurance is not required.
  • Condition is the swing factor on a 1980s home; comp like-for-like.

In Lone Oak, the quarter-acre lots are similar, so value comes from the home's size and condition, any pool, and the parcel's flood picture more than the lot itself. A larger or higher-and-drier lot carries a modest edge, but on the Spruce Creek Road corridor the flood zone is worth verifying for any parcel even where insurance is not required. Because the homes are late-1980s construction, condition is the biggest single swing, so comp like-for-like on size and condition against recent Lone Oak Drive sales and comparable Port Orange homes in the same school zone.

The 15-Second Verdict

Lone Oak in 15 seconds.

Best forBuyers who want an established, no-HOA single-family home on a quarter-acre lot in the Spruce Creek school zone.
Strong onValue and location: no association dues, tree-lined quarter-acre lots, a park across the street, and quick I-95 and beach access.
WatchAge and condition on 1980s homes and a corridor with documented localized flooding.
Not forBuyers who want a newer or gated community or a waterfront home.
The edgeA no-HOA home in a strong school zone with stormwater investment underway gives a prepared buyer durable value.

HOA, CDD & Fees

15-Second Take
  • No HOA means no dues and no association rules, a frequent reason buyers choose Lone Oak.
  • The main carrying-cost variable is the home itself and the parcel flood check on this corridor.
  • All Children's Park across the street is a real everyday amenity.

Lone Oak has no homeowners association, confirmed by the neighborhood description and the absence of HOA fees across listings (386realestate.com and listing data, 2026). Verify there is no association and check the title for any deed restrictions for the specific parcel.

With no HOA, there are no association dues or amenity bundle; you maintain and insure your own home directly, which keeps recurring costs low.

There is no clubhouse or gate. The everyday amenity is All Children's Park directly across the street, with its renovated playground and splash pad, plus the neighborhood's sidewalks and tree-lined streets (386realestate.com, 2026).

Run Your Numbers

Tools for a Lone Oak 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 Lone Oak.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 Lone Oak

Thinking of selling at Lone Oak?

Your buyer is cross-shopping established, no-HOA Port Orange homes in the Spruce Creek school zone, so sell what is specific: the updates, any pool, the quarter-acre lot, the no-HOA freedom, and the park across the street.

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 Lone Oak, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Cypress Head, 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 Lone Oak home worth?

Get a no-obligation home value based on real comparable sales in Lone Oak 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.

Real comps, not a Zestimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Lone Oak year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

Lone Oak Market Scorecard

Balanced Market (limited data)

Lone Oak is currently a balanced market (limited data). About 6.0 months of supply, a median asking price of $390,000, and homes go under contract in about 64 days.

6.0
Months supply
$390,000
Median list
$302,500
Median sold
$172
Per sqft
64
Days on mkt
1/1/2
Active/Pend/Sold

Typical home value in the 32127 ZIP is $351,873, about 8.5% above the Florida norm (Zillow Home Value Index).

Zoom out for the wider market: ZIP market scorecard · county scorecard.

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

Where is Lone Oak?
It is on Lone Oak Drive off South Spruce Creek Road in Port Orange, Volusia County (ZIP 32127), on the mainland west of the Halifax River, with All Children's Park across the street (386realestate.com and Compass, 2026). It is not waterfront or beachside.
When were the homes built?
In 1988 and 1989, as three-bedroom single-family homes with split floor plans and two-car garages, roughly 1,596 to 2,395 square feet on quarter-acre lots (Redfin and Zillow, 2026).
Is there an HOA?
No. Lone Oak has no homeowners association, confirmed by the neighborhood description and the absence of HOA fees across listings (386realestate.com, 2026). Verify there is none for the parcel and check for deed restrictions.
What does it cost to buy here?
Recent active listings have run around $379,000 to $419,000, with a prior Lone Oak sale near $305,000 in 2021 and a 32127 area median sale around $345,000 (RE/MAX, Redfin, and premierlistings, 2021 to 2026). Confirm current pricing with an agent.
What schools serve the neighborhood?
The address falls in Volusia County Schools, with the pattern running toward Spruce Creek Elementary (7 of 10), Creekside Middle (8 of 10), and Spruce Creek High School, which has a noted International Baccalaureate program (GreatSchools, 2026). Verify current assignments by address with the district.
What is the flood situation?
The Spruce Creek Road corridor has documented localized flooding, and the city is investing in stormwater there. Lone Oak homes are on raised late-1980s lots, but pull the FEMA zone for the specific parcel at msc.fema.gov and consider an insurance quote before you rely on it (City of Port Orange and MyNews13, 2024 to 2025).
Is the area improving?
Yes. Port Orange secured tens of millions for stormwater work in the corridor, and All Children's Park across the street reopened after a renovation (Hometown News and 386realestate, 2025 to 2026).
How far is the beach and I-95?
The Atlantic beaches are roughly a 15 to 20 minute drive east over the Dunlawton bridge, and I-95 is about 5 to 8 minutes north via Dunlawton. Confirm your own commute before relying on these figures.
Is it the same as Lone Oak in St. Petersburg?
No. There is a separate Lone Oak community in St. Petersburg, Florida, in a different county and market. This is the Port Orange neighborhood off Spruce Creek Road. Use the Port Orange location to keep them straight.
How many homes are in the neighborhood?
It is a small subdivision; plat lot numbers reach into the 50s, but no confirmed total was available in public sources, and only a handful of homes list at any time (city-data and Movoto, 2026). Confirm with county records if it matters to you.
Is it the same as Lone Oak in another city?
No. This Lone Oak is the Port Orange neighborhood off the local Port Orange corridor. Communities named Lone Oak elsewhere in Florida are separate; use the Port Orange location to keep them straight.
Do I need my own agent to buy here?
Yes. Your own agent confirms the no-HOA status and any deed restrictions, pulls the parcel flood zone, inspects a late-1980s home, verifies the school assignment, and comps the right Port Orange sales before you offer.
The Verdict

Should you buy in Lone Oak?

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

You want an established, no-HOA single-family home on a quarter-acre lotExcellent fit
You value the strong Spruce Creek school zone and a park across the streetExcellent fit
You will inspect a late-1980s home and check the parcel flood zoneExcellent fit
You want a newer or gated, amenity-rich communityProbably not
You want a waterfront or beachside homeProbably not
You are not willing to verify the corridor flood pictureProbably not

Get the inside read on Lone Oak

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Lone Oak 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.

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A Momentum Realty Lone Oak specialist will reach out personally, usually the same day.

Zoom out before you decide: see the Duval County market guide or every community in the Neighborhood Finder.

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