89 S ATLANTIC AVENUE UNIT 103, ORMOND BEACH, FL, 32176
Active347 days on marketListed Aug 7, 2025MLS #FC311764
About this home
89 S ATLANTIC AVENUE UNIT 103
Virtually Staged. Direct Oceanfront Living at Its Best at 89 Oceanfront! Wake up to the sound of the waves and endless ocean views at this beautifully updated 2-bedroom, 2-bath condo located directly on the beach in Ormond Beach. Situated on the second floor, this residence offers the rare convenience of parking right at your door—no stairs or elevators needed. Simply unload your groceries and step into paradise. Inside, you’ll find a light and airy beachside retreat with neutral tones, white cabinetry, newer flooring, and a fresh coastal vibe throughout. The open living room flows seamlessly onto a private balcony where you can soak in the stunning Atlantic views and the pool vibe all day long. Both bedrooms are generously sized, and the bathrooms are en suite, clean and bright—perfect for full-time living, a vacation escape, or a smart investment property. The second bedroom has its own separate entry/exit and the primary has direct ocean and pool views. With direct access to the sand and surf just steps away, and all the charm of Ormond’s infamous food and fun vibe close by, this is Florida coastal living made easy. Owner would entertain leasing with a 6 month minimum. No short term rentals or pets allowed but service animals are present in the building. Don’t miss your chance to own a slice of oceanfront heaven!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,200
Sqft
1.19 ac
Lot size
1
Garage
1979
Year built
One
Levels
$248
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 — not generic estimates.
$2,188 /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
$2,188/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.
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.
vs edgeAI estimate
−1.6%
$/sqft vs Ormond Beach actives
$248 vs $235
Days on market
347 vs 41 typical
Where $248/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 Ormond Beach
Drive times from this address
Get to know Ormond Beach. See the full Ormond Beach guide →
ORMOND BEACH 32176 — neighborhood snapshot
Population
14,344
Median age
60.1
Median income
$72,248
Median home value
$368,400
Avg household
2.01
Households w/ children
946
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)
197 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 15% below the ORMOND BEACH 32176 median. See the full Ormond Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 89 S ATLANTIC AVENUE UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$225,000
89 S ATLANTIC AVENUE UNIT 404 · same community
2 bd · 2 ba · 1,200 sqft · $188/sqft · 159 DOM
Sold · May ’26$294,000
89 S ATLANTIC AVENUE UNIT 1004 · same community
2 bd · 2 ba · 1,200 sqft · $245/sqft · 41 DOM
Sold · Apr ’26$337,000
156 BOSARVEY DRIVE
3 bd · 2 ba · 1,204 sqft · $280/sqft · 35 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 89 S ATLANTIC AVENUE UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 89 S ATLANTIC AVENUE UNIT 103 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
89 S ATLANTIC AVENUE UNIT 103 FAQs
What would the monthly payment be for 89 S ATLANTIC AVENUE UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,188/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 89 S ATLANTIC AVENUE UNIT 103?+
The most recent tax bill on record (2024) was $1,703. 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 89 S ATLANTIC AVENUE UNIT 103?+
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 $298,000, this home is listed about 30% 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 89 S ATLANTIC AVENUE UNIT 103?+
Ormond Beach Middle School (middle), Seabreeze High School (high), Beachside Elementary School (elementary) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the ORMOND BEACH 32176 market on paper
$298,000 is 15% below the ORMOND BEACH 32176 median of $350,000, and at $248/sqft it sits under the Ormond Beach average of $272.
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
347 days on market against a Ormond Beach median of 41 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Ormond Beach Middle School, Seabreeze High School, Beachside Elementary School — Seabreeze High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $335,000, now $298,000 — a $37K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ONE SOTHEBYS INTERNATIONAL · Kory Lostaglio. MLS #FC311764.
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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