12 TIDEWATER DRIVE, ORMOND BEACH, FL, 32174
Active126 days on marketListed Mar 16, 2026MLS #V4947861
About this home
12 TIDEWATER DRIVE
SELLER FINANCING, NO CREDIT CHECK. Experience unmatched luxury in this stunning Mediterranean Tomoka Riverfront estate. Set on 2.39 acres of natural beauty, this exquisite property was expanded and recreated in 2007 to feature a masterfully configured main house that leads to two charming guest quarters, beautifully landscaped patios, all offering breathtaking views of the serene surroundings. The captivating custom-designed interiors truly showcase every space with artisan touches and finishes that transcend time and trends. The gourmet kitchen is a culinary connoisseur's delight that is masterfully designed with elegant finishes, perfect for hosting memorable gatherings. Upstairs, discover four spacious en suite bedrooms, each boasting generous walk-in closets and private balconies that provide tranquil views and moments of peace. Travertine porches, patios and walkways flow seamlessly from the home to the sparkling pool area, where Italian marble columns and lion fountains offer sophistication that is seldom seen.Room sizes are approximate; all information intended to be accurate but cannot be guaranteed.
Facts & features
The home at a glance
6
Bedrooms
7
Bathrooms
7,315
Sqft
2.4 ac
Lot size
4
Garage
1987
Year built
Two
Levels
$362
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.
$16,363 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$16,363/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs TIDEWATER
$362 vs $194
Days on market
126 vs 41 typical
Where $362/sqft sits among the 8 homes for sale in TIDEWATER
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 Broadwater
Drive times from this address
Get to know Ormond Beach. See the full Ormond Beach guide →
Broadwater — neighborhood snapshot
Population
422
Median age
61
Median income
$76,100
Avg household
2
Households w/ children
24%
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)
2 of 8
TIDEWATER have cut their price
Median sold price, Ormond Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 563% 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 12 TIDEWATER DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$327,000
491 Salisbury Circle, Fort Pierce FL 34982 · same community
3 bd · 2.5 ba · 1,808 sqft · $181/sqft · 103 DOM
Sold · Mar ’26$329,930
586 Salisbury Circle, Fort Pierce FL 34982 · same community
3 bd · 2.5 ba · 1,808 sqft · $182/sqft · 82 DOM
Sold · Mar ’26$342,630
574 Salisbury Circle, Fort Pierce FL 34982 · same community
3 bd · 2.5 ba · 1,808 sqft · $190/sqft · 47 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
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12 TIDEWATER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 TIDEWATER DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
12 TIDEWATER DRIVE FAQs
What would the monthly payment be for 12 TIDEWATER DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,363/mo — principal and interest, the actual property-tax bill, the $29/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 12 TIDEWATER DRIVE?+
The association fee works out to $29 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12 TIDEWATER DRIVE?+
The most recent tax bill on record (2025) was $10,574. 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 12 TIDEWATER DRIVE?+
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 $2,650,000, this home is listed about 523% above the Ormond Beach median of $425,495. The market section on this page shows how the area is trending.
Which schools are assigned to 12 TIDEWATER DRIVE?+
Pine Trail Elementary School (elementary), Ormond Beach Middle School (middle), Seabreeze High School (high) — 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
$2,650,000 runs 563% above the ORMOND BEACH 32174 median — but at 7,315 sqft it's also nearly 4 times the size of the typical Ormond Beach 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
126 days on market against a Ormond Beach median of 41 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Pine Trail Elementary School, Ormond Beach Middle School, Seabreeze High School — Pine Trail Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of REALTY PROS ASSURED · Marsha Evans, PA. MLS #V4947861.
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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