The St. Croix, A Condo in Daytona Beach Shores, FL

Established 1988 · Intracoastal West · ZIP 32224

A boutique 2003 oceanfront tower in Daytona Beach Shores, all three-bedroom units, with a one-year lease rule that keeps it residential.

Direct oceanfrontAll 3-bed units1 year minimum lease

Live Market Pulse

41/100
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 The St. Croix

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

$585K

Median Price

18mo

Supply

247days

Avg DOM

Soft

Seller Leverage

$264/sf

Median $/Sqft

n/a

1-Yr Price Change

0now

Distress

Jon's Current Read

"The St. Croix is a boutique 2003 oceanfront tower on the no-drive beach in Daytona Beach Shores, and the read is full-time residential beachfront at a low-density scale: just 59 units across twelve floors, all of them three-bedroom homes near 2,200 to 2,500 square feet, with secured underground parking and a one-year minimum lease that keeps it out of the nightly-rental lane. That lease rule and the all-large-unit mix are what separate it from the condo-hotels nearby. Price the unit on its floor and exposure, and read the dues and the reserve plan on a 2000s oceanfront building."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

The St. Croix, A Condo market snapshot (as of June 25, 2026): the median sale price is about $585K ($264 per sq ft), with homes averaging 247 days on market and 18.0 months of supply, a buyer-leaning market (limited data). Based on 2 recent closings in live Daytona-area MLS data.

The St. Croix is a 12-story oceanfront condominium at 3145 South Atlantic Avenue in Daytona Beach Shores, Volusia County, ZIP 32118, on a no-drive section of the Atlantic beach with direct private beach access. It was developed by Cook Development and completed in 2003 (daytonaluxuryrealestate.com; daytona-condos.com, 2026).

It is a boutique building: 59 units across twelve floors, five units per floor, and the unit mix is uniform and large, all three-bedroom, three-bath plans of roughly 2,215 to 2,530 square feet. That makes it a full-time-residence tower rather than a studio-heavy rental building (daytona-condos.com; daytonaluxuryrealestate.com, 2026).

Amenities suit a residential oceanfront tower: an oceanfront heated pool and spa, a fitness center, a community clubroom with ocean views, a library and card room, two high-speed elevators, secured underground parking, and private storage. Units feature granite finishes, large balconies, and hurricane-rated doors and windows (daytonaluxuryrealestate.com; daytona-condos.com, 2026).

The defining residential anchor is the lease rule: The St. Croix requires a one-year minimum lease, so it operates as long-term residential rather than a nightly or weekly rental. It is also pet-friendly within limits. Confirm the current rules and the dues with the association before you write.

Quick Match

Who The St. Croix is best for.

Best for

Buyers who want a full-time oceanfront residence in a small, low-density tower
Owner-occupants who value all-large three-bedroom units and secured parking
Buyers who prefer a one-year-lease building over a nightly-rental tower

Probably not for

Investors seeking nightly or weekly vacation rentals (the one-year minimum rules that out)
Buyers who want a small or low-cost unit (every home here is a large three-bedroom)
Buyers who want to avoid the carrying cost of an oceanfront tower

Market Pulse

How The St. Croix is performing right now

41/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

18Months of supplytight

268Median days on marketdays

1 : 3Under contract vs for salestrong demand

2Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+8%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 The St. Croix listings and the trailing twelve months of closed sales.

Where prices are going$665K2026 YTD

Median sale price by year. Tap a label to compare The Peninsula or Daytona Beach Shores. 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$3002026 YTD

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

Supply and demand now3 : 1active : pending

For sale3

Pending1

Sold 12mo2

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 The St. Croix, A Condo buys, holds, and resells. See the five factors.

Homes For Sale Right Now in The St. Croix

Live MLS inventory for The St. Croix, A Condo. 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.

3145 S Atlantic Avenue #503 home for sale in The St. Croix, A Condo

Active · 100 daysTop listing

$690,000

3 bd · 3 ba · 2,215 sqft · built 2003

3145 S Atlantic Avenue #503, Daytona Beach Shores, 32118

Renovated

Listed by Realty Pros Assured

3145 S Atlantic Avenue #504 home for sale in The St. Croix, A Condo

Active · 372 days

$629,000

3 bd · 3 ba · 2,215 sqft · built 2003

3145 S Atlantic Avenue #504, Daytona Beach Shores, 32118

Reno opportunityBest value

Listed by Realty Pros Assured

3145 S Atlantic Avenue #405 home for sale in The St. Croix, A Condo

Active · 268 days

$595,000

3 bd · 3 ba · 2,325 sqft · built 2003

3145 S Atlantic Avenue #405, Daytona Beach Shores, 32118

Reno opportunityBest value

Listed by Realty Pros Assured

3145 S Atlantic Avenue #104 home for sale in The St. Croix, A Condo

Pending · 54 days

$650,000

3 bd · 3 ba · 2,215 sqft · built 2003

3145 S Atlantic Avenue #104, Daytona Beach Shores, 32118

Pool

Listed by RE/MAX Signature

Interactive Map

The St. Croix 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 The St. Croix. They are approximate and vary with traffic and your exact start point.

Atlantic beachwalk · direct private access on a no-drive beach

Sunglow Pier and Crabby Joe's~5 min · about half a mile south on South Atlantic Avenue

Dunlawton Avenue corridor~5 min · beachside shopping and the bridge to the mainland

Interstate 95~10 to 15 min · west via Dunlawton Avenue (approximate)

Daytona Beach International Airport (DAB)~15 min · on the mainland (approximate)

Port Orange shopping (Pavilion)~15 min · west over the Dunlawton bridge (approximate)

Ponce Inlet Lighthouse~15 min · south down the peninsula (approximate)

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 The St with Momentum Realty’s local guides.

Admiralty Club Homes for Sale in Port Orange, FLPort Orange, FL · 0.2 mi

Halifax Estates Homes for Sale in Daytona Beach Shores, FLDaytona Beach Shores, FL · 0.2 mi DBDaytona Beach Shores Oceanfront CondosDaytona Beach Shores, FL · 0.2 mi

Royal Atlantic Condo in Daytona Beach Shores, FLDaytona Beach Shores, FL · 0.5 mi

Salida Del Sol Homes for Sale in Daytona Beach Shores, FLDaytona Beach Shores, FL · 0.5 mi

Key Colony Homes for Sale in Daytona Beach Shores, FLDaytona Beach Shores, FL · 0.6 mi

Cardinal Shores Homes for Sale in Daytona Beach Shores, FLDaytona Beach Shores, FL · 0.8 mi OHThe Oceans Homes for Sale in Daytona Beach Shores, FLDaytona Beach Shores, FL · 0.9 mi

The Jade Winds Homes for Sale in Port Orange, FLPort Orange, FL · 1.0 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

The St. Croix (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

The St. Croix 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 The St. Croix address.

The takeaway

What actually affects an oceanfront tower here, sourced and dated. We do not publish rumor.

Recent Developments in The St. Croix, A Condo

Development Intelligence

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

Net OutlookBullishThe tower is built out, so there is no new competing supply inside it. The relevant near-term factors are Florida condo structural and reserve requirements on a 2003 building and coastal insurance.

Florida condo milestone inspection and reserve law

NeutralOlder oceanfront condo towers face milestone structural inspections and reserve-funding requirements; a 2003 building is within scope, so request the inspection and reserve status. impact

SignificanceRadius: Building-wide

Florida condo milestone inspection and reserve law

Coastal insurance environment

NeutralOceanfront towers carry meaningful wind and structural-reserve cost; ask for the current budget, reserve study, and any pending assessment. impact

SignificanceRadius: Building-wide

Coastal insurance environment

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 The St. Croix, A Condo, 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 ↓

2022 to 2025
Regulation
Florida condo safety and reserve requirements (SB-4D / SB-154)
Florida enacted milestone structural inspection and structural integrity reserve study requirements for condominium buildings, with phased compliance deadlines that reach 2000s-era oceanfront towers. Why it matters: On a 2003 oceanfront building, request the milestone inspection result and the reserve study, because reserve funding can become a special assessment. 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 The St. Croix buying strategy.

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

Confirm the one-year lease and current rules. The building requires a one-year minimum lease; confirm the current leasing and pet rules with the association before you assume a use.

Get the dues, reserve study, and milestone status. On a 2003 oceanfront tower, request the current dues, the structural integrity reserve study, and the milestone inspection result, because reserve funding affects dues.

Pull insurance and flood quotes. Get the FEMA flood zone and bindable wind and flood quotes for the unit during diligence.

Comp by floor and exposure. Higher floors and the best ocean exposures price above lower units; comp off the closest same-floor-band sale in the building.

Verify parking and storage. Confirm the assigned underground space and the storage unit for the specific home.

The Quick Decision

Best Buy

A higher-floor three-bedroom with the dues, reserve study, and milestone status confirmed.

Biggest Risk

Carrying cost on a 2003 oceanfront tower: wind insurance and reserve funding.

Best Lot

Higher floors and direct-ocean exposures carry the clear premium over lower units.

Smart Timing

Oceanfront condos move on floor, exposure, dues, and assessment status; a prepared buyer can negotiate when those questions are open.

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 St. Croix is a boutique 12-story oceanfront condominium of 59 units at 3145 South Atlantic Avenue in Daytona Beach Shores, Volusia County, ZIP 32118, developed by Cook Development and completed in 2003. It fronts a no-drive section of the Atlantic with direct private beach access, and the unit mix is uniform and large, all three-bedroom, three-bath plans of roughly 2,215 to 2,530 square feet, five per floor. Amenities include an oceanfront heated pool and spa, a fitness center, a clubroom, a library and card room, two elevators, secured underground parking, and private storage. The building requires a one-year minimum lease, so it operates as long-term residential rather than a transient rental.

The St. Croix Homes For Sale

What your money buys in The St. Croix.

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 The St. Croix today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

Entry: lower-floor three-bedroom units

$480K to $480K

Because every home is a large three-bedroom, the entry tier is the lower-floor units, with a recent sale at $531,000 in early 2025 (Redfin). Verify the dues and reserve status before you write.

Lowest entry

Mid: mid-floor ocean-view units

$480K to $690K

The core of the building is the mid-floor three-bedroom homes with strong ocean exposure, with a recent sale at $675,000 in spring 2025 (Redfin). Floor and exposure separate these.

Most inventory

High: high-floor and premium-exposure units

$690K to $690K

High-floor units with the best ocean exposure sit at the top, with active list prices reported well into the $800,000s (daytona-condos.com, 2026). Price each on its floor, exposure, and updates.

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 ~$585K buys here.

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

$480K to $480K

Entry: lower-floor three-bedroom units

Because every home is a large three-bedroom, the entry tier is the lower-floor units, with a recent sale at $531,000 in early 2025 (Redfin). Verify the dues and reserve status before you write.

$480K to $690K

Mid: mid-floor ocean-view units

The core of the building is the mid-floor three-bedroom homes with strong ocean exposure, with a recent sale at $675,000 in spring 2025 (Redfin). Floor and exposure separate these.

$690K to $690K

High: high-floor and premium-exposure units

High-floor units with the best ocean exposure sit at the top, with active list prices reported well into the $800,000s (daytona-condos.com, 2026). Price each on its floor, exposure, and updates.

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 The St. Croix, 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 10% 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$312

Original$284

Median days on market

Renovated100

Original268

From current The St. Croix listings (renovated 1, original 3); 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.

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.

Unit Value

The unit premium.

In a condo the value the market gives back at resale is set by the unit, not a lot: the floor, the view line (direct versus partial), and the exposure. The interior can be renovated, but the floor and view cannot, so higher floors and better views hold their value better. How much more they command varies by building, line, and condition, which is why we read it unit by unit 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 The St. Croix 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 The St. Croix

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.

“

The St. Croix sells a scarce combination: full-time oceanfront living in a boutique, all-large-unit tower with a one-year lease rule. The premium for the beachfront and the low density is in every listing, so the deal is in the carrying-cost math and in buying the right floor and exposure, not in 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.

7.6B+ · Buy Score

Resale Strength7.8/10

Renovation Risk6.6/10

Location Efficiency8.4/10

Long-Term Defensibility8.0/10

Carrying Cost Advantage5.6/10

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 The St. Croix 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 · Unit 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

Fill = price per square foot; ring = by realized $/sqft per unit. 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

Higher floors and direct-ocean exposures carry the premium here.
Because every unit is a large three-bedroom, floor and exposure drive price, not size.
Comp by floor band and exposure, not a building-wide average.

In a boutique oceanfront tower where every home is a large three-bedroom, position is nearly the entire price story. At The St. Croix, higher-floor units with direct ocean exposure command a premium over lower-floor homes, while square footage barely varies. The honest approach is to compare a unit against the closest sale in the same floor band and exposure, and to weigh the dues, the reserve plan, and the insurance cost on a 2003 oceanfront building as part of the price.

The 15-Second Verdict

The St. Croix in 15 seconds.

Best forBuyers who want a full-time oceanfront residence in a small, low-density, all-large-unit tower.

Strong onScale and location: 59 large three-bedroom homes, direct beach access, secured parking, and a quiet no-drive beach.

WatchCarrying cost on a 2003 oceanfront tower: wind insurance and reserve funding.

Not forVacation-rental investors, or buyers who want a small or low-cost unit.

The edgeA one-year lease rule and an all-three-bedroom mix make it behave like a residence, not a condo-hotel.

HOA, CDD & Fees

15-Second Take

Every home is a large three-bedroom, so dues reflect a substantial oceanfront building.
The last clearly reported fee is stale; confirm the current figure with the association.
On a 2003 oceanfront tower, the reserve study is the number that matters most.

The condo fee on a building this size is significant and was last clearly reported around 2020 (roughly $618 per month), which is stale, so this profile does not assert a current figure. Confirm the current dues, the reserve study, and any pending assessment with the association before you buy.

Reported coverage centers on building and common-area maintenance, the oceanfront pool and amenities, and secured parking; confirm exactly what is included for the unit.

There is no golf or private club membership; the dues fund the tower, the oceanfront pool and spa, the amenity rooms, and secured parking.

Run Your Numbers

Tools for a The St. Croix 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 The St. Croix.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 The St. Croix

Thinking of selling at The St. Croix?

Your buyer is cross-shopping the other oceanfront Daytona Beach Shores towers, so sell what is specific and verifiable: your floor and ocean exposure, the milestone and reserve status, the current dues, and any updates.

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 The St. Croix, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping The Peninsula, 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 The St. Croix home worth?

Get a no-obligation home value based on real comparable sales in The St. Croix 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 The St. Croix, A Condo 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.

The St. Croix Market Scorecard

Buyer-Leaning Market (limited data)

The St. Croix is currently a buyer-leaning market (limited data). About 18.0 months of supply, a median asking price of $629,000, and homes go under contract in about 273 days.

18.0

Months supply

$629,000

Median list

$585,000

Median sold

$264

Per sqft

273

Days on mkt

3/1/2

Active/Pend/Sold

Typical home value in the 32118 ZIP is $291,026, about 3.0% below the Florida norm (Zillow Home Value Index).

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

Frequently Asked Questions

Is The St. Croix oceanfront?

Yes. It is a 12-story direct oceanfront tower at 3145 South Atlantic Avenue in Daytona Beach Shores, on a no-drive section of the Atlantic with private beach access (daytonaluxuryrealestate.com, 2026).

When was it built and how big is it?

It was developed by Cook Development and completed in 2003, with 59 units across twelve floors, five units per floor (daytona-condos.com, 2026).

What are the units like?

Uniform and large: all three-bedroom, three-bath plans of roughly 2,215 to 2,530 square feet, with granite finishes, large balconies, and hurricane-rated doors and windows (daytonaluxuryrealestate.com, 2026).

What is the minimum lease?

The building requires a one-year minimum lease, so it operates as long-term residential rather than a nightly or weekly vacation rental; confirm the current rule with the association (daytonaluxuryrealestate.com; 386realestate.com, 2026).

Is it pet-friendly?

Yes, within limits (reported as two dogs or cats under sixty pounds); confirm the current pet rules with the association (daytonaluxuryrealestate.com, 2026).

What amenities are there?

An oceanfront heated pool and spa, a fitness center, a clubroom, a library and card room, two elevators, secured underground parking, and private storage (daytonaluxuryrealestate.com, 2026).

What do units cost?

Recent sales included $531,000 and $675,000 in 2025, with active list prices reported into the $800,000s for premium units (Redfin; daytona-condos.com, 2025 to 2026). Confirm current pricing for the specific unit.

What are the dues?

The last clearly reported fee is from around 2020 and is stale, so confirm the current dues, the reserve study, and any pending assessment directly with the association.

Is there secured parking?

Yes. The tower has secured underground assigned parking plus private storage; confirm the assignments for the specific unit (daytonaluxuryrealestate.com, 2026).

What schools serve the building?

It is in the Volusia County Schools district, with peninsula assignments commonly including R.J. Longstreet Elementary and Seabreeze High; verify the current zoned schools, including the middle school, with the district locator before you rely on them.

Should I worry about a special assessment?

On a 2003 oceanfront tower, ask for the milestone structural inspection result and the structural integrity reserve study, because reserve funding can become a special assessment. Get the status in writing before buying.

Is it a good investment?

It holds a scarce, full-time-residence oceanfront position in a boutique tower, but the carrying cost on a 2003 building means you should run the all-in monthly and comp by floor and exposure before deciding.

Who is the best real estate agent for The St. Croix, A Condo?

The best agent for The St. Croix, A Condo is one who actively works Daytona Beach Shores 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 The St. Croix, A Condo.

How do I find a top Daytona Beach Shores real estate agent who knows The St. Croix, A Condo?

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 The St. Croix, A Condo and the wider Daytona Beach Shores area.

Can Momentum Realty connect me with an agent for The St. Croix, A Condo?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your The St. Croix, A Condo purchase or sale - no call center and no pressure.

The Verdict

Should you buy in The St. Croix?

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

You want a full-time oceanfront residence in a small, low-density towerExcellent fit

You value all-large three-bedroom units and secured parkingExcellent fit

You will verify dues, insurance, and the reserve and milestone statusExcellent fit

You want a nightly or weekly vacation rentalProbably not

You want a small or low-cost unitProbably not

You are not willing to budget for the carrying cost of an oceanfront towerProbably not

Get the inside read on The St. Croix

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your The St. Croix 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 The St. Croix specialist will reach out personally, usually the same day.

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.

The St. Croix, A Condo in Daytona Beach Shores, FL

The 60-Second Overview

Who The St. Croix is best for.

Best for

Probably not for

How The St. Croix is performing right now

Homes For Sale Right Now in The St. Croix

The St. Croix on the map.

How far is everything?

Nearby Communities

Schools

Recent Developments in The St. Croix, A Condo

Florida condo milestone inspection and reserve law

Coastal insurance environment

Florida condo safety and reserve requirements (SB-4D / SB-154)

The The St. Croix buying strategy.

The full read, only if you want it.

What your money buys in The St. Croix.

What ~$585K buys here.

Renovation & Resale Intelligence

The renovation premium.

The unit premium.

How well The St. Croix holds value.

5 Mistakes Buyers Make in The St. Croix

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 The St. Croix is different.

Which Lots & Views Hold Value Best

The St. Croix in 15 seconds.

HOA, CDD & Fees

Tools for a The St. Croix buy.

Thinking of selling at The St. Croix?

In The St. Croix, condition and view decide your number

What is your The St. Croix home worth?

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

The St. Croix Market Scorecard

Frequently Asked Questions

Should you buy in The St. Croix?

Get the inside read on The St. Croix

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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