3 OCEAN DUNES DRIVE, Ormond Beach, FL, 32176 | $849,900

Just third from the ocean with deeded beach access, this beautifully rebuilt coastal residence delivers what buyers actually want: a million-dollar ocean presence without the oceanfront price tag. From arrival, the connection to the sea is unmistakable open skies, salt air, and the relaxed rhythm of true beachfront living. The home offers two bedrooms and two bathrooms, including a generous primary suite with an oversized bath, ideal for full-time living, seasonal enjoyment, or guest appeal. Inside, original terrazzo floors have been preserved and professionally polished, complemented by tile in select areas. A custom kitchen, built-in closet systems, and ample storage support both daily living and rental usability. From an investment and peace-of-mind perspective, the upgrades are extensive. Improvements include hurricane-impact windows, doors, and garage door, a 200-amp electrical service with new copper ground circuitry, copper plumbing, tankless water heater, new

drain field, wired for cable, a 2020 heat-pump condenser, and biannual HVAC servicing. Additional insulation throughout the walls, baths, and roof enhances energy efficiency, sound control, and insurance positioning.
Exterior enhancements include gutters, a well-fed irrigation system, selective foundation stabilization where needed, and an approved setback variance a valuable coastal advantage.
Located in Ormond Beach, the area offers a refined alternative to crowded resort towns, known for its wide white-sand beaches, relaxed pace, and an increasingly vibrant downtown scene. Rich in history, Ormond Beach was once the winter retreat of John D. Rockefeller, a legacy still reflected in its understated elegance. Just minutes south, Daytona Beach adds global recognition with the iconic Daytona International Speedway. Whether envisioned as a holiday retreat, short-term rental, or low-maintenance retirement home, this property offers flexibility, insurability, and long-term appeal a rare opportunity to secure a rebuilt beachside residence with true coastal presence, modern systems, and just steps from the ocean. Alarm included. Furniture negotiable.

Features

  • Rooms: 4
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Inside
  • Year Built: 1957
  • Garage: 1-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,080
  • Acreage: 0.12
  • Est. Taxes: $7,405
  • View: Water
  • Appliances: Dishwasher, Dryer, Microwave, Refrigerator, Tankless Water Heater
  • MLS#: V4946607
  • Days on Market: 53 days
  • Website: https://www.raveis.com
    /prop/V4946607/3oceandunesdrive_ormondbeach_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 4/9/2026 9:47:07 PM)
Listing courtesy of EXP REALTY LLC   Phone: 888-883-8509

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

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3 OCEAN DUNES DRIVE, Ormond Beach, FL, 32176

$849,900

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $679,920 $679,920 $679,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.251% 6.235% 6.183%
Monthly Tax Payment $617 $617 $617
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,968 $4,131 $5,738
Total Monthly Payment $4,677 $4,840 $6,447

* 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.