39 PINE VALLEY CIRCLE, ORMOND BEACH, FL, 32174
Active17 days on marketListed Jul 3, 2026MLS #O6421951
About this home
39 PINE VALLEY CIRCLE
Welcome to 39 Pine Valley Circle, an expansive and pristine single-family residence situated in the mature, established neighborhood of Tomoka Oaks in Ormond Beach. This beautifully maintained ranch-style property offers the perfect balance of open-concept living and private retreats. Formal Living and Dining Rooms plus a Family Room and large kitchen provide ample living space perfect for relaxing or entertaining. Off the Family Room you can step outside to an expansive, fully screened-in porch overlooking the serene backyard, offering a private oasis to enjoy your morning coffee or unwind during quiet Florida evenings. Attached 2 car garage with laundry hook-ups. Prime location: minutes from top-rated schools, local shopping, dining and the beautiful Ormond beaches.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,886
Sqft
0.28 ac
Lot size
2
Garage
1970
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$177 /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
$177/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Ormond Beach actives
$1 vs $236
Days on market
17 vs 41 typical
Where $1/sqft sits among the 400 Ormond Beach actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Tomoka Oaks Country Club Estates
Get to know Ormond Beach. See the full Ormond Beach guide →
Tomoka Oaks Country Club Estates — neighborhood snapshot
Population
1,548
Median age
54
Median income
$132,960
Median home value
$433,860
Avg household
3
Households w/ children
180
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ormond Beach market
$390K → $415K
Ormond Beach median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
198 of 400
Ormond Beach actives have cut their price
Median sold price, Ormond Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the ORMOND BEACH 32174 median. See the full Ormond Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 39 PINE VALLEY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$445,000
64 OAKMONT CIRCLE · same community
4 bd · 2 ba · 1,850 sqft · $241/sqft · 3 DOM
Sold · Oct ’25$385,000
92 N ST ANDREWS DRIVE · same community
3 bd · 2 ba · 1,960 sqft · $196/sqft · 4 DOM
Sold · Mar ’26$329,000
22 N ST ANDREWS DRIVE · same community
3 bd · 2 ba · 2,153 sqft · $153/sqft · 3 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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 39 PINE VALLEY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39 PINE VALLEY CIRCLE — 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
39 PINE VALLEY CIRCLE FAQs
What would the monthly payment be for 39 PINE VALLEY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $177/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 39 PINE VALLEY CIRCLE?+
The listing reports pets: No. 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 Ormond Beach?+
At $2,300, this home is listed about 99% below the Ormond Beach median of $425,495. The market section on this page shows how the area is trending.
Which schools are assigned to 39 PINE VALLEY CIRCLE?+
Tomoka Elementary School (elementary), David C. Hinson Senior Middle School (middle), Seabreeze High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of NEWKIRK INVESTMENTS, LLC · Kelly Bauknecht. MLS #O6421951.
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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