1196 PEARL TREE ROAD, Deltona, FL, 32725 | $440,000

Owners are motivated. Don’t miss this beautiful home in one of the sought-after Hampton Oaks neighborhoods with low HOA fees. This stunning home offers modern elegance and spacious living. Step inside to find beautiful wood-look flooring throughout. Enter your open-concept family room and beautifully designed kitchen. This chef's kitchen, in the heart of the home, features quartz countertops, 42” cabinets, stainless steel appliances, a pantry closet, a large center island, and ample counter and cabinet space. Overlooking a perfectly appointed dinette area, the kitchen features a French door with built-in blinds and access to a screened-in, epoxy-floored lanai with expansive views of the backyard, ideal for entertaining or relaxing. An outdoor kitchen stubout is in place, and a gazebo offers a perfect place to relax and enjoy the beautiful breeze all year, as you look out to the view of the water/conservation area.
The primary en-suite offers a private retreat with plenty of natural light, dual sinks, an enclosed shower with a rain showerhead, and a water closet. The three additional bedrooms (one currently set up with speakers for a movie room) are located in the front of the house. This split-floor plan is ideal for any growing family or a work-from-home office. Schedule your viewing today.
Hampton Oaks is conveniently located with quick access to I-4 via Saxon Blvd and an easy commute to Orlando or Daytona Beach. This home is minutes from local shopping, dining, and scenic lakes.

Features

  • Rooms: 7
  • Bedrooms: 4
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 2023
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,890
  • Acreage: 0.16
  • Est. Taxes: $4,697
  • HOA Fee: $212 Quarterly
  • Elem. School: Spirit Elem
  • Middle School: Deltona Middle
  • High School: Deland High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: V4945246
  • Days on Market: 165 days
  • Website: https://www.raveis.com
    /prop/V4945246/1196pearltreeroad_deltona_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/2/2026 3:17:34 AM)
Listing courtesy of The Keyes Company   Phone: 954-467-0105

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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1196 PEARL TREE ROAD, Deltona, FL, 32725

$440,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $352,000 $352,000 $352,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.375% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.345% 6.533% 5.783%
Monthly Tax Payment $391 $391 $391
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,082 $2,196 $2,874
Total Monthly Payment $2,548 $2,662 $3,340

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.