40 CONCORD DRIVE, Ormond Beach, FL, 32176 | $689,000

NESTLED BENEATH A CANOPY OF MAJESTIC OAK TREES AND JUST A HALF-BLOCK FROM THE NO-DRIVE BEACH, this exceptional Ormond-by-the-Sea residence offers the perfect blend of coastal living, privacy, and timeless Old Florida charm.
Situated on one of the area's most distinctive streets, this spacious 4-bedroom, 4-bathroom home encompasses 2, 824 square feet of living space and over 4, 100 total square feet. Designed with flexibility in mind, each bedroom features its own en suite bathroom and walk-in closet, with two bedrooms located upstairs and two downstairs—ideal for multi-generational living, hosting guests, or creating dedicated work-from-home spaces.
A stunning pecky cypress-lined stairwell welcomes you inside, adding warmth and character rarely found in today's homes. The upper-level living area showcases a spacious great room and well-appointed kitchen featuring Kenmore Elite appliances, a gas cooktop, and a ventless propane fireplace accented by a beautiful fruitwood mantel.
Embrace outdoor living with a large screened porch and an expansive 564-square-foot upper deck overlooking the serene, wooded surroundings. Set on an oversized 11, 700-square-foot lot, the property offers exceptional privacy, mature landscaping, and ample room to create your dream backyard oasis, including space for a pool.
Recent improvements include a new roof (2023) and a 4-ton Carrier HVAC system (2021), providing peace of mind for years to come. Additional highlights include 5-foot eaves, an oversized 3-car garage with workshop space, and a paved storage area perfect for a boat, RV, golf cart, or other recreational toys.
Located outside the flood zone and just moments from both the Atlantic Ocean and Halifax River, this rare beachside retreat offers a unique opportunity to enjoy coastal living with space, privacy, and character that are increasingly difficult to find.
Whether you're seeking a primary residence, a vacation retreat, or a property designed for flexible living, this one-of-a-kind beachside home delivers an exceptional lifestyle in one of Ormond-by-the-Sea's most desirable locations.

Features

  • Rooms: 8
  • Bedrooms: 4
  • Baths: 4 full
  • Laundry: Inside, Laundry Room
  • Style: Elevated, Mediterranean
  • Year Built: 1981
  • Garage: 2-car
  • Heating: Central, Natural Gas, Propane
  • Cooling: Central Air
  • Approx Sq. Feet: 2,824
  • Acreage: 0.25
  • Est. Taxes: $7,515
  • View: Water
  • Pet Policy: Cats OK, Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Microwave, Refrigerator
  • MLS#: V4949128
  • Days on Market: 53 days
  • Website: https://www.raveis.com
    /prop/V4949128/40concorddrive_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 7/11/2026 5:35:25 PM)

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Sarah DeFlorioVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1880936

347.223.0992

Sarah.DeFlorio@Raveis.com

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40 CONCORD DRIVE, Ormond Beach, FL, 32176

$689,000

Cooper Gordon

Licensed Real Estate Salesperson

William Raveis Real Estate

Phone: 203.571.8551

Cooper.Gordon@raveis.com

Sarah DeFlorio

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 347.223.0992

Sarah.DeFlorio@Raveis.com

NMLS Mortgage Loan Originator ID 1880936

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $551,200 $551,200 $551,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.640% 5.972%
Monthly Tax Payment $626 $626 $626
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,349 $3,480 $4,577
Total Monthly Payment $4,067 $4,198 $5,295

* 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.