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List Price

$250,000

104 Shoal Creek, Daytona Beach, FL 32114

63 days on market

Estimated Payment

$1,930/mo

20% down and current market rates

Bedrooms2 bdBathrooms2 baLiving area1,267 Square FeetYear builtBuilt 1985

Listed by

Kandi Schromm

RE/MAX SIGNATURE

Listed by another brokerage. HomeJam connects you directly with the listing side.

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  • Make your offer
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Virtually Staged. Daytona Beach patio home *Updated 2-bedroom home *Florida room *Community pool *Indigo Lakes *Priced below Recent Appraisal. Welcome to 104 Shoal Creek Circle, where comfortable living meets low-maintenance convenience in the sought-after Courtyards at Indigo Lakes. Whether you're searching for your first home, a seasonal retreat, or the perfect place to enjoy retirement, this beautifully updated home offers the Florida lifestyle you've been looking for. Designed with an open, light-filled floor plan, this roomy 2-bedroom, 2-bath home with 1267 LSF feels even larger with its vaulted ceilings, abundant natural light, and a spacious Florida room that expands your living space year-round. The updated eat-in kitchen (2023) offers abundant cabinetry, a pantry, and a sunny breakfast area with sliding doors leading to a covered patio--ideal for grilling. The generous primary suite is its own private retreat with sliding glass doors opening to the rear patio, creating the perfect spot to enjoy morning coffee or unwind in the evening. A large walk-in closet, additional double closet, and updated en-suite bath with step-in shower provide comfort and convenience.

104 Shoal Creek, Daytona Beach, FL 32114 in Daytona Beach, FL 32114 is listed for $250,000. The home has 2 bedrooms, 2 bathrooms, and 1,267 square feet, and was built in 1985. Listed 63 days ago. The listing is held by RE/MAX SIGNATURE.

32114 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$2,541 (tax year 2025)
HOA fee$175 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on today's published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $50,000

$

$1,930/moest.

  • Principal & Interest 69%
  • Property Taxes 11%
  • Insurance 11%
  • HOA 9%
Principal & Interest
$1,335
Property Taxesfrom listing
$212
Insurance
$208
HOA
$175

30-year fixed at 7.03%, as of September 24, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 2026. Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $1,930, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $2,541 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Sep 27, 2026 5:58 AM ET through Sep 28, 2026 5:58 AM ET. MLS# MFR800634776. HomeJam is not the listing broker.

List Price

$250,000

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