1540 STONE TRAIL, DELTONA, FL, 32725
Active78 days on marketListed May 6, 2026MLS #O6402804
About this home
1540 STONE TRAIL
Stunningly upgraded and move-in ready, this solid block waterfront home in Stoney Island has been completely reimagined from top to bottom with quality craftsmanship and attention to detail. Major updates include a brand-new roof, ice-cold A/C system, new water heater, and fully updated plumbing—all completed properly with permits and inspections already passed. Inside, no expense was spared. The home features quartz countertops, full LED lighting, real wood cabinetry, and a brand-new kitchen outfitted with high-efficiency appliances. The spa-inspired bathrooms showcase elegant walk-in showers, creating a relaxing retreat right at home. The open, functional layout flows seamlessly into a spacious backyard—perfect for entertaining or unwinding in a peaceful setting. The upgraded marble-toned driveway adds both curb appeal and long-term durability with low maintenance. And the location? Truly the highlight. Situated directly on the St. Johns River, this property offers waterfront living with access all the way to the open ocean, plus a private dock for your convenience. Tucked away as a hidden oasis, yet ideally located with easy access to both Daytona Beach and downtown Orlando in under 40 minutes. Experience the one-of-a-kind lifestyle that Stone Island has to offer—a golf cart–friendly community nestled along the north shore of Lake Monroe. Residents enjoy exclusive amenities including a private boat ramp with lake access, equestrian stables, tennis and pickleball courts, a playground, and a cozy community fire pit. Rich in history and charm, Stone Island sits just across the water from Sanford, offering both tranquility and convenience. It’s easy to see why this sought-after neighborhood has become such a beloved place to call home. Homes offering this level of renovation, location, and value are rare. Schedule your showing today and experience it for yourself.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,062
Sqft
0.41 ac
Lot size
2
Garage
1981
Year built
Two
Levels
$242
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,696 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,696/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Deltona
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Deltona. See the full Deltona guide →
DELTONA 32725 — neighborhood snapshot
Population
51,668
Median age
39.5
Median income
$70,801
Median home value
$255,700
Avg household
2.78
Households w/ children
6,283
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Deltona market
$308K → $299K
Deltona median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
Median sold price, Deltona, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 67% above the DELTONA 32725 median. See the full Deltona market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1540 STONE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1540 STONE TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
1540 STONE TRAIL FAQs
What would the monthly payment be for 1540 STONE TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,696/mo — principal and interest, the actual property-tax bill, the $55/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 1540 STONE TRAIL?+
The association fee works out to $55 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1540 STONE TRAIL?+
The most recent tax bill on record (2025) was $3,796. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1540 STONE TRAIL?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Deltona?+
At $500,000, this home is listed about 56% above the Deltona median of $320,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1540 STONE TRAIL?+
Deltona High School (high), Timbercrest Elementary School (elementary), Galaxy Middle School (middle) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$500,000 runs 67% above the DELTONA 32725 median — but at 2,062 sqft it's also 29% larger than the typical Deltona listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
78 days on market against a Deltona median of 30 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $537,000, now $500,000 — a $37K cut. The full history is in the market section below.
Listing courtesy of ELITE REAL ESTATE AND PROPERTY MANAGEMENT · Jessica Falvey. MLS #O6402804.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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