2018 MONTERO CIRCLE, DELTONA, FL, 32738
Active1 days on marketListed Aug 4, 2026MLS #NS1088909
About this home
2018 MONTERO CIRCLE
Private Lakefront Retreat with Pool on 2.5 Acres. Wake up to peaceful lake views, spend your afternoons on the water, and end the day watching rocket launches from your pool deck. Nestled on 2.5 private acres along Theresa Lake, this beautifully updated 4-bedroom, 3-bath home delivers the space, privacy, and lifestyle you've been looking for. The heart of the home is the fully updated kitchen, featuring new cabinetry, solid-surface countertops, backsplash, and sink. The first-floor primary suite serves as a true retreat with a spa-inspired bath, oversized shower, and two-person garden tub. A wood-burning fireplace brings warmth and character to the living areas, while the upstairs loft, media room, and three additional bedrooms provide plenty of space for family, guests, and hobbies. Outside, the oversized pool and expansive new deck create the perfect setting for entertaining or simply enjoying the tranquility of lakefront living. Whether you're boating, fishing, paddleboarding, or soaking in the sunset views, Theresa Lake becomes an extension of your backyard. With significant updates including a new roof, HVAC, flooring, baths, paint, French doors, pool equipment, and more, this move-in-ready property allows you to enjoy the lifestyle immediately. This is more than a home. It's your own private waterfront escape.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,912
Sqft
2.5 ac
Lot size
2
Garage
1989
Year built
Two
Levels
$223
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,244 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,244/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Where it sits
Inside Deltona Lakes
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Deltona 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 136% above the DELTONA 32738 median. See the full Deltona market guide →
Paper trail
This home's history
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.
Your agent
Natasha Boges
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2018 MONTERO CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2018 MONTERO CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Natasha's phone and CRM.
Straight answers
2018 MONTERO CIRCLE FAQs
What would the monthly payment be for 2018 MONTERO CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,244/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 2018 MONTERO CIRCLE?+
The most recent tax bill on record (2025) was $4,069. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2018 MONTERO CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Deltona?+
At $649,000, this home is listed about 97% above the Deltona median of $329,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2018 MONTERO CIRCLE?+
Spirit Elementary School (elementary), Deltona 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
$649,000 runs 136% above the DELTONA 32738 median — but at 2,912 sqft it's also nearly twice the size of the typical Deltona listing.
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 1 day on market in a Deltona market that averages 30 — if it fits, move quickly.
Listing courtesy of EXIT REAL ESTATE PROPERTY SOL · Jessica Gramig. MLS #NS1088909.
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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