4565 S ATLANTIC AVENUE UNIT 5204, PONCE INLET, FL, 32127
Active6 days on marketListed Jul 30, 2026MLS #FC320196
About this home
4565 S ATLANTIC AVENUE UNIT 5204
Live your spa beach vacation full-time! This unique 3BR/3BA direct oceanfront end unit on the 2nd floor has been completely reimagined and exquisitely renovated. The open-concept layout features premium Coretec luxury vinyl plank flooring throughout and seamlessly connects the living and dining areas to the ocean panorama. The gourmet kitchen is a chef’s dream, equipped with quartz countertops, custom pull-out cabinetry, a Bosch refrigerator (2024) & dishwasher, KitchenAid induction cooktop, double wall convection oven, and a custom bar area with a built-in beverage cooler. An enclosed lanai provides custom storage and a built-in queen sleeper sofa—perfect for hosting guests. The primary suite is a true sanctuary, featuring a freestanding soaking tub, an oversized walk-in shower, and under-cabinet motion lighting. Modern comfort and peace of mind abound with a new HVAC (2024), tankless water heater, remote hurricane shutters, programmable blinds, custom closet systems, and a new washer/dryer (2023). Located in The Towers at Ponce Inlet, a gated oceanfront community nestled between the ocean and river. Enjoy resort-style amenities: 3 heated pools, spa/sauna, fitness center, tennis & pickleball court, and a clubroom. Step outside to walk or bike the beach, visit the nearby dog beach/park, climb the historic lighthouse, fish at the jetty, or enjoy live music at local waterfront dining spots. Live the beach life!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,365
Sqft
2.39 ac
Lot size
1
Garage
1996
Year built
One
Levels
$370
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 and the real association fee — not generic estimates.
$6,924 /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
$6,924/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.
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.
vs edgeAI estimate
+19.2%
$/sqft vs TOWERS AT PONCE INLET TOWER 01 CONDO
$370 vs $323
Days on market
6 vs 106 typical
Where $370/sqft sits among the 11 homes for sale in TOWERS AT PONCE INLET TOWER 01 CONDO
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 Ponce Inlet
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ponce Inlet. See the full Ponce Inlet guide →
PONCE INLET 32127 — neighborhood snapshot
Population
28,430
Median age
53.6
Median income
$65,260
Median home value
$301,800
Avg household
2.18
Households w/ children
2,656
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ponce Inlet market
$616K → $755K
Ponce Inlet median sold, yr/yr
94.1%
Sale-to-list ratio (12 mo)
10 of 11
TOWERS AT PONCE INLET TOWER 01 CONDO have cut their price
Median sold price, Ponce Inlet, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 115% above the PONCE INLET 32127 median. See the full Ponce Inlet market guide →
Paper trail
This home's history
Reality check
What actually sold near 4565 S ATLANTIC AVENUE UNIT 5204
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$640,000
4555 S ATLANTIC AVENUE UNIT 4508 · same community
3 bd · 3 ba · 2,271 sqft · $282/sqft · 173 DOM
Sold · Feb ’26$737,500
4525 S ATLANTIC AVENUE UNIT 1704 · same community
3 bd · 3 ba · 2,136 sqft · $345/sqft · 18 DOM
Sold · Mar ’26$825,000
4525 S ATLANTIC AVENUE UNIT 1501 · same community
3 bd · 3 ba · 2,127 sqft · $388/sqft · 28 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4565 S ATLANTIC AVENUE UNIT 5204 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4565 S ATLANTIC AVENUE UNIT 5204 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4565 S ATLANTIC AVENUE UNIT 5204 FAQs
What would the monthly payment be for 4565 S ATLANTIC AVENUE UNIT 5204?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,924/mo — principal and interest, the actual property-tax bill, the $1,036/mo association fee 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.
How much are the HOA fees at 4565 S ATLANTIC AVENUE UNIT 5204?+
The association fee works out to $1,036 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4565 S ATLANTIC AVENUE UNIT 5204?+
The most recent tax bill on record (2025) was $8,142. 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 4565 S ATLANTIC AVENUE UNIT 5204?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 Ponce Inlet?+
At $874,900, this home is listed about 31% above the Ponce Inlet median of $669,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4565 S ATLANTIC AVENUE UNIT 5204?+
Port Orange Elementary School (elementary), Silver Sands Middle School (middle), Spruce Creek High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$874,900 runs 115% above the PONCE INLET 32127 median — but at 2,365 sqft it's also 24% larger than the typical Ponce Inlet listing.
02Pool & Water views
The pool and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $1,036/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 6 days on market in a Ponce Inlet market that averages 106 — if it fits, move quickly.
05Strong assigned schools
Port Orange Elementary School, Silver Sands Middle School, Spruce Creek High School — Port Orange Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS, CAMERON & CO., REALTORS · Leonard Renaud. MLS #FC320196.
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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