John Carpenter
$365,0003 bd2 ba1,612 sqft$226 /sqft$2,606 /mo all-in ↓

3208 LAKE HELEN OSTEEN ROAD, DELTONA, FL, 32738

Active6 days on marketListed Aug 13, 2026MLS #O6429420

Private poolSingle Family ResidenceDELTONA LAKES UNIT 35

About this home

3208 LAKE HELEN OSTEEN ROAD

Welcome to Your ONE OWNER Private POOL HOME with a split floor plan , 2 living spaces and a central kitchen ! Welcome to this beautifully remodeled 3-bedroom, 2-bathroom home situated on a spacious 0.29-acre lot in desirable Deltona. Set back from the road with an extra-long driveway, this home offers added privacy, generous outdoor space, and a peaceful wooded backyard. Offering approximately 1,612 square feet of thoughtfully designed living space, this move-in-ready home blends modern updates, flexible living areas, and the best of Florida indoor-outdoor living. Inside, you’ll find two separate living areas, providing plenty of flexibility for a family room, formal living room, home office, playroom, or additional entertaining space. A dedicated dining room flows into the beautifully remodeled kitchen, creating an inviting layout for everyday living and gatherings. The updated kitchen features stainless steel appliances, a deep kitchen sink, updated finishes, and an extended countertop that provides valuable additional prep and serving space. All appliances, including the washer and dryer, come with the home. The home has been completely remodeled, including the kitchen, both full bathrooms, flooring throughout, and updated light fixtures, giving the home a fresh and modern feel from top to bottom. The original sliding doors have also been replaced with French doors featuring built-in blinds, adding both style and functionality. The primary bathroom includes a custom built-in cabinet, new mirrors, and private toilet room, providing attractive additional storage and a thoughtful finishing touch. Step outside and discover your own private Florida oasis. The spacious, wooded backyard features a solar-heated swimming pool and hot tub/spa, surrounded by an attractive paver pool deck with plenty of room for lounging, entertaining, grilling, and enjoying Florida’s year-round sunshine. Beyond the pool area, the large backyard and mature wooded surroundings create a private and relaxing setting. Additional improvements include a new septic system and drain field, offering valuable peace of mind for years to come. The attached garage and extra-long driveway provide additional parking, storage, and everyday convenience. Conveniently located on Lake Helen Osteen Road, the home provides easy access to major roadways, shopping, dining, parks, and everyday amenities while still offering the privacy and space of a larger homesite. Whether you’re searching for a primary residence, second home, or investment opportunity, this beautifully updated property offers an exceptional combination of modern finishes, indoor and outdoor living space, privacy, and the Florida lifestyle. Buyer and buyer’s agent are responsible for independently verifying all measurements, features, zoning, and any information deemed important to the buyer. There is an extra refrigerator in the garage . New drainfield .

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,612

Sqft

0.29 ac

Lot size

2

Garage

1987

Year built

One

Levels

$226

Per sqft

Private poolTrees/Woods view

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Thermostat
LaundryIn Garage
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock · Concrete
FoundationSlab
ViewTrees/Woods
FacesEast
ParkingDriveway · Garage Door Opener
ExteriorPrivate Mailbox · Private Yard

Community & fees

Taxes (2025)$1,633/yr

Utilities & systems

UtilitiesElectricity Available · Public
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,606 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,149
FHA mortgage insurance (est.)$161
Property tax — 2025 actual bill$136
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,775Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,775
Interest rate6.00%
Loan term

Estimated payment

$2,606/mo

Principal & interest$2,149
FHA mortgage insurance (est.)$161
Property taxes (actual bill)$136
Est. insurance$160

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.

List $365K
$267KedgeAI estimate $294,639 · range $278K$335K$380K

vs edgeAI estimate

+23.9%

Days on market

6 vs 31 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 Deltona Lakes

Map of 3208 LAKE HELEN OSTEEN ROAD inside its neighborhood boundary

Drive times from this address

Downtown Orlando41 min
Universal Orlando54 min
Orlando Int’l Airport (MCO)60 min
Walt Disney World66 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Deltona. See the full Deltona guide →

Deltona Lakes — neighborhood snapshot

Population

86,681

Median age

40

Median income

$72,296

Median home value

$254,238

Avg household

3

Households w/ children

10,582

For the school run

Volusia County School District

ElementaryTimbercrest Elementary School★★★★★
MiddleGalaxy Middle School★★★★★
HighDeltona High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Deltona market

Seller’s marketLeans seller3.2 months of inventoryBuyer’s market

$300K$319K

Deltona median sold, yr/yr

98.2%

Sale-to-list ratio (12 mo)

Median sold price, Deltona, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 31% above the DELTONA 32738 median. See the full Deltona market guide →

Paper trail

This home's history

Aug 13, 2026Listed at $365,000 · 6 days on market since
1987Built · DELTONA LAKES UNIT 35

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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 3208 LAKE HELEN OSTEEN ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3208 LAKE HELEN OSTEEN ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3208 LAKE HELEN OSTEEN ROAD FAQs

What would the monthly payment be for 3208 LAKE HELEN OSTEEN ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,606/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 3208 LAKE HELEN OSTEEN ROAD?+

The most recent tax bill on record (2025) was $1,633. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Deltona?+

At $365,000, this home is listed about 11% above the Deltona median of $330,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3208 LAKE HELEN OSTEEN ROAD?+

Timbercrest Elementary School (elementary), Galaxy Middle School (middle), Deltona High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$365,000 runs 31% above the DELTONA 32738 median.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Only 6 days on market in a Deltona market that averages 31 — if it fits, move quickly.

Listing courtesy of CALL IT CLOSED INTL REALTY. MLS #O6429420.

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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