38 TREETOP CIRCLE, ORMOND BEACH, FL, 32174
Active3 days on marketListed Jul 16, 2026MLS #O6425032
About this home
38 TREETOP CIRCLE
*Roof- 2024; HVAC- 2018; Water Heater- 2018; New Kitchen Appliances* Nestled within one of Ormond Beach's premier gated golf communities, this beautifully maintained residence offers an exceptional blend of privacy, comfort, and picturesque golf course living. Perfectly positioned along the tee box of the 4th hole, the home enjoys tranquil fairway views and an inviting setting that captures the essence of Florida's relaxed lifestyle. Thoughtfully designed with soaring vaulted ceilings and an abundance of natural light, the spacious floor plan welcomes you with an airy, open feel from the moment you enter. Multiple living and gathering spaces provide flexibility for both everyday living and entertaining, including an elegant front sitting room, a spacious family room, and a dedicated office or flex space that easily adapts to your needs. At the heart of the home, the open-concept kitchen offers generous cabinetry, expansive countertop space, a breakfast bar, and seamless sightlines into the main living area, making it easy to stay connected whether preparing meals or hosting family and friends. Designed to embrace Florida's indoor-outdoor lifestyle, the home's unique courtyard-inspired layout creates a peaceful and private atmosphere. The expansive screened lanai with brick paver flooring is ideal for outdoor dining and entertaining, while the covered patio and bright enclosed sunroom, surrounded by walls of windows, provide the perfect place to enjoy morning coffee, unwind with a good book, or simply take in the beautiful surroundings throughout the year. The split-bedroom floor plan offers added privacy, with a spacious primary suite thoughtfully separated from the guest bedrooms. Additional features include an indoor laundry room, an attached two-car garage, mature landscaping, and the added value and peace of mind of a roof replaced just one year ago. Beyond the home, residents enjoy an outstanding collection of resort-style amenities, including two championship golf courses, a state-of-the-art practice facility, pickleball and tennis courts, a private country club, a community swimming pool, and beautifully maintained recreational spaces that foster an active and social lifestyle. Ideally located just minutes from the renowned Ormond Scenic Loop, pristine Atlantic beaches, shopping, dining, and convenient highway access, this exceptional home offers the perfect balance of peaceful golf course living and everyday convenience. Whether you're searching for a full-time residence or a seasonal Florida retreat, this move-in-ready home delivers timeless appeal, an unbeatable location, and the lifestyle you've been waiting for.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,686
Sqft
0.2 ac
Lot size
2
Garage
1987
Year built
One
Levels
$153
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.
$3,101 /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
$3,101/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
−38.7%
$/sqft vs Ormond Beach actives
$153 vs $235
Days on market
3 vs 41 typical
Where $153/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 Plantation Bay Golf & Country Club
Drive times from this address
Get to know Ormond Beach. See the full Ormond Beach guide →
Plantation Bay Golf & Country Club — neighborhood snapshot
Population
3,730
Median age
69
Median income
$87,350
Median home value
$432,212
Avg household
2
Households w/ children
124
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)
199 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 3% above the ORMOND BEACH 32174 median. See the full Ormond Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 38 TREETOP CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$490,000
7 TREETOP TRAIL · same community
3 bd · 2.5 ba · 2,774 sqft · $177/sqft · 20 DOM
Sold · Apr ’26$295,785
18 TREETOP CIRCLE · same community
2 bd · 2.5 ba · 2,828 sqft · $105/sqft · 218 DOM
Sold · Apr ’26$565,000
33 MAGNOLIA DRIVE N · same community
4 bd · 2 ba · 2,843 sqft · $199/sqft · 62 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 38 TREETOP CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38 TREETOP CIRCLE — 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
38 TREETOP CIRCLE FAQs
What would the monthly payment be for 38 TREETOP CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,101/mo — principal and interest, the actual property-tax bill, the $130/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 38 TREETOP CIRCLE?+
The association fee works out to $130 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 38 TREETOP CIRCLE?+
The most recent tax bill on record (2025) was $2,594. 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 38 TREETOP CIRCLE?+
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 Ormond Beach?+
At $410,000, this home is listed about 4% 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 38 TREETOP CIRCLE?+
Ormond Beach Middle School (middle), Pathways Elementary School (elementary), Seabreeze High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
02Fresh on the market
Only 3 days on market in a Ormond Beach market that averages 41 — if it fits, move quickly.
03Strong assigned schools
Ormond Beach Middle School, Pathways Elementary School, Seabreeze High School — Seabreeze High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Kevin Asenjo. MLS #O6425032.
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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