89 S ATLANTIC AVENUE UNIT 1503, ORMOND BEACH, FL, 32176
Active1 days on marketListed Jul 28, 2026MLS #NS1088859
About this home
89 S ATLANTIC AVENUE UNIT 1503
DIRECT OCEANFRONT Renovated 2 Bedroom / 2 Bathroom Condo for under 400K. Endless Direct Oceanfront in a Spacious Condo, and close to all the Great Shops and Restaurants that are a couple minutes away. The Building is in excellent condition with no assessments. Generous Sized Bedrooms, with a Murphy Bed in the Second Bedroom. Electric Hurricane Shutters for Storm Protection. This is the Perfect Condo for either Full Time Living, or as a Second Home. Inside Washer / Dryer. Underground Parking.
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
$333
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.
$3,056 /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
$3,056/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
+2.4%
Days on market
1 vs 41 typical
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
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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)
Median sold price, Ormond Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% above the ORMOND BEACH 32176 median. See the full Ormond Beach 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 89 S ATLANTIC AVENUE UNIT 1503 — 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 1503 — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
89 S ATLANTIC AVENUE UNIT 1503 FAQs
What would the monthly payment be for 89 S ATLANTIC AVENUE UNIT 1503?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,056/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 1503?+
The most recent tax bill on record (2025) was $4,443. 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 1503?+
The listing reports pets: Dogs OK. 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 $399,000, this home is listed about 6% 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 1503?+
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
Four things that matter here
01Positioned at the premium end
$399,000 runs 12% above the ORMOND BEACH 32176 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 1 day on market in a Ormond Beach market that averages 41 — if it fits, move quickly.
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.
Listing courtesy of LOCAL LIVING REALTY GROUP · Stephen Zeh. MLS #NS1088859.
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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