Tomoka Oaks Condo North Ormond Beach
Homes for Sale in Ormond Beach, FL
True comps, carrying-cost math, and listings before the portals.

Tomoka Oaks Condo North Ormond Beach is a full-amenity condo community where price is set by floor level, condition, and whether the unit has been updated in the last decade. The elevator makes upper floors accessible, but most buyers gravitate toward lower-floor units with direct pool access. The all-in HOA — covering water, cable, trash, grounds, and structure maintenance — means your monthly carrying cost is predictable, but it also means resale value hinges on how well the association manages deferred maintenance and reserve funding.
With twelve months of supply and three active listings as of July 2026, this is a buyer-leaning market. Sellers will need to price at or slightly below recent comps to move a unit inside sixty days. Buyers have time to be selective about condition and to negotiate on dated interiors or deferred owner improvements. If you're considering a purchase, verify the HOA's reserve study and recent capital expenditures before you write an offer — the structure and amenities are shared assets, and their condition determines whether your unit appreciates or becomes a value trap.
Tomoka Oaks Condo North Ormond Beach right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of DBAMLS records, as of July 12, 2026. Confidence: Low (3 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 12, 2026 · Live data: DBAMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The setting & the homes.
Aerial and on-site photos of Tomoka Oaks Condo North Ormond Beach. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from DBAMLS listings in Tomoka Oaks Condo North Ormond Beach; content deemed reliable but not guaranteed.
Who Tomoka Oaks Condo North Ormond Beach is best for.
Best for
- Buyers seeking a low-maintenance primary or secondary residence with pool, spa, and clubhouse access included.
- Owners who value predictable monthly costs and prefer to outsource grounds, structural, and amenity upkeep to an HOA.
- Investors targeting long-term rentals where the all-in HOA fee simplifies tenant billing and reduces landlord maintenance calls.
Probably not for
- Buyers who want control over building decisions, capital spending, or reserve allocation — you're one vote among many here.
- Owners who rarely use shared amenities and resent paying for a clubhouse, pool, or shuffleboard court they don't visit.
- Sellers or buyers unwilling to review HOA financials, reserve studies, and meeting minutes during due diligence — skipping this step is a mistake in any condo purchase.
The market around Tomoka Oaks Condo North Ormond Beach
Tomoka Oaks Condo North Ormond Beach is too small for its own price trend, so here is the market around it.
Across Volusia County, 4,230 homes are active and 1,084 pending (20% under contract).
ZIP and county figures describe the wider market, not Tomoka Oaks Condo North Ormond Beach specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Tomoka Oaks Condo North Ormond Beach
Live MLS inventory for Tomoka Oaks Condo North Ormond Beach. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Tomoka Oaks Condo North Ormond Beach listings as of 2026-07-12, priced high to low. © 2026 Daytona Beach Area Association of REALTORS®, Inc. Tap any home to ask about it.
Tomoka Oaks Condo North Ormond Beach on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from DBAMLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Tomoka Oaks Condo North Ormond Beach
- Clubhouse · reported on 5 of 6 listings
- Pool · reported on 4 of 6 listings
- Elevator(s) · reported on 4 of 6 listings
- Laundry · reported on 4 of 6 listings
- Water · reported on 4 of 6 listings
- Cable TV · reported on 3 of 6 listings
- Maintenance Grounds · reported on 3 of 6 listings
- Shuffleboard Court · reported on 3 of 6 listings
- Storage · reported on 2 of 6 listings
- Barbecue · reported on 2 of 6 listings
- Trash · reported on 2 of 6 listings
- Car Wash Area · reported on 2 of 6 listings
Community amenities as reported across DBAAR listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Tomoka Oaks North on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.
Listing locations from DBAAR; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.
How far is everything?
The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.
Drive times from Tomoka Oaks North. They are approximate and vary with traffic and your exact start point.
Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.
Nearby Communities
Explore more neighborhoods near Tomoka Oaks North Homes for Sale in Ormond Beach, FL with Momentum Realty’s local guides.
Carrying cost · the no-CDD edge
No CDD bond means thousands less per year than newer master plans.
Roughly $25,000 saved over 10 years in carrying cost, before resale.
Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.
Schools
- Volusia County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Confirm current ratings before relying on them
- Private and parochial options nearby
Tomoka Oaks North 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 Tomoka Oaks North address.
What is actually relevant to buyers at Tomoka Oaks North, sourced and dated. We do not publish rumor.
Recent Developments in Tomoka Oaks North
Our read on what is being built around Tomoka Oaks North, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.
Florida condo milestone inspections and reserve studies
Florida condo milestone inspections and reserve studies
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 Tomoka Oaks North, 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 2024
Regulation
Florida condo safety law (SB 4-D, amended by SB 154)
After the 2021 Surfside collapse, Florida required milestone structural inspections for condo buildings three stories and taller and ended the ability to waive structural reserves, with milestone deadlines through the end of 2024. Why it matters: For a 1976 five-story condo, the milestone report and reserve study tell you whether a special assessment is likely. 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 Tomoka Oaks Condo North Ormond Beach buying strategy.
If we were buying in Tomoka Oaks Condo North Ormond Beach today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Tomoka Oaks Condo North Ormond Beach.
What drives value in a full-amenity condo
Tomoka Oaks Condo North Ormond Beach delivers the amenity package many buyers want — pool, spa, clubhouse, shuffleboard, barbecue area, car wash, and storage — without the yard work or exterior maintenance. The elevator makes every floor accessible, and the HOA covers water, cable, trash, grounds maintenance, and structural upkeep. For a buyer who values predictability and low hands-on involvement, this is the model.
The trade-off is governance and shared cost. Your monthly fee pays for amenities you may or may not use, and your unit's resale value is partly determined by decisions the HOA makes about reserves, special assessments, and capital improvements. A well-funded reserve account and a recent reserve study are green flags. Deferred roof or exterior work, underfunded reserves, or a history of special assessments are red flags. Request the HOA financials, meeting minutes, and reserve study during due diligence — these documents tell you whether you're buying into a well-managed asset or inheriting someone else's repair bill.
Condition inside the unit matters as much as the building's financials. An updated kitchen and bath, newer flooring, and fresh paint will command a premium over original finishes from the community's construction. In a buyer-leaning market like this one, dated interiors sit longer and sell for less. If you're a seller, consider a pre-list refresh of the most visible surfaces. If you're a buyer, factor renovation cost into your offer on any unit that hasn't been touched in fifteen years.
Location within the community also drives price. Lower-floor units near the pool and clubhouse tend to move faster and command slightly higher per-square-foot pricing due to convenience and accessibility, even though the elevator serves all floors. Corner units with extra windows and cross-ventilation also sell at a premium. Know what you're comparing when you evaluate a listing price — a third-floor interior unit and a first-floor corner unit are not equivalent even if the square footage matches.
The location and the amenities are priced into every listing in Tomoka Oaks Condo North Ormond Beach. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Condo transactions require a different due diligence process than single-family homes, and Tomoka Oaks Condo North Ormond Beach is no exception. Momentum brokers know how to read HOA financials, interpret reserve studies, and identify red flags in meeting minutes before you're under contract. We'll pull the documents, walk you through the association's capital planning, and tell you if the monthly fee is sustainable or if a special assessment is likely. If you're selling, we'll position your unit against active inventory with honest pricing and staging advice that reflects current buyer expectations. We work this market daily, and we'll tell you when a deal doesn't pencil — before you waste time on it.
Tomoka Oaks Condo North Ormond Beach in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Tomoka Oaks Condo North Ormond Beach buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Tomoka Oaks Condo North Ormond Beach sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Tomoka Oaks Condo North Ormond Beach, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Tomoka Oaks Condo North Ormond Beach home worth?
Get a no-obligation home value based on real comparable sales in Tomoka Oaks Condo North Ormond Beach, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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The real cost & risk here
Before the list price, the Florida math the portals skip. These are Volusia County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Volusia County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
24% of homes for sale in ZIP 32174 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-07-18).
Tomoka Oaks North Market Scorecard
Tomoka Oaks North is currently a buyer-leaning market (limited data). About 12.0 months of supply, a median asking price of $149,000, and homes go under contract in about 74 days.
Typical home value in the 32174 ZIP is $373,463, about 10.3% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: © 2026 Daytona Beach Area Association of REALTORS®, Inc. Refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Tomoka Oaks North Market Scorecard
Tomoka Oaks North is currently a buyer-leaning market (limited data). About 12.0 months of supply, a median asking price of $149,000, and homes go under contract in about 69 days.
Typical home value in the 32174 ZIP is $373,463, about 10.3% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: © 2026 Daytona Beach Area Association of REALTORS®, Inc. Refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Is Tomoka Oaks Condo North Ormond Beach a buyer's or seller's market right now?
Who is the best real estate agent for Tomoka Oaks Condo North Ormond Beach?
How do I find a top Ormond Beach real estate agent who knows Tomoka Oaks Condo North Ormond Beach?
Can Momentum Realty connect me with an agent for Tomoka Oaks Condo North Ormond Beach?
Should you buy in Tomoka Oaks Condo North Ormond Beach?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Tomoka Oaks Condo North Ormond Beach with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | DBAMLS, refreshed twice daily (last: July 12, 2026) |
| Under-contract shares | DBAMLS records, as of 2026-07-12 |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of DBAMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the DBAMLS member average and 8 days faster, and we’ll price yours against live your area comps.
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