4786 S ATLANTIC AVENUE UNIT 4B, PONCE INLET, FL, 32127
Active290 days on marketListed Oct 22, 2025MLS #NS1086279
About this home
4786 S ATLANTIC AVENUE UNIT 4B
Your fabulous, secluded Beachside Retreat awaits! Right across from the beach, you can plan your day with easy access and comfort. Tucked away with an outside patio and Ocean Breezes, it's the ultimate fun to cook out, grill and entertain. Downstairs is the Kitchen, Dining and Living Room, and remodeled full bathroom. Both Bedrooms and Bath are upstairs. Close to all the Famous Restaurants with water views for your dining pleasure, and the Ponce Inlet Lighthouse! Racing's First Turn is close by too! You will occasionally bump into several Nascar Driver's who frequent the area restaurants as well. Boat Charters and rentals are all nearby. Bicycling and Beach walking are fun to stay active in this cozy little town. Don't miss seeing this gem of a home with some of the lowest HOA fees.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,190
Sqft
0.01 ac
Lot size
1979
Year built
Two
Levels
$302
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.
$2,961 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,961/mo
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.
vs edgeAI estimate
+40%
$/sqft vs Ponce Inlet actives
$302 vs $371
Days on market
290 vs 116 typical
Where $302/sqft sits among the 46 Ponce Inlet actives
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
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)
28 of 46
Ponce Inlet actives have cut their price
Median sold price, Ponce Inlet, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% below the PONCE INLET 32127 median. See the full Ponce Inlet market guide →
Paper trail
This home's history
Reality check
What actually sold near 4786 S ATLANTIC AVENUE UNIT 4B
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$225,000
4790 S ATLANTIC AVENUE UNIT C303
2 bd · 2.5 ba · 1,190 sqft · $189/sqft · 88 DOM
Sold · Sep ’25$322,000
4786 S ATLANTIC AVENUE UNIT 3
2 bd · 1.5 ba · 1,190 sqft · $271/sqft · 30 DOM
Sold · Aug ’25$510,000
4901 SAILFISH DRIVE
3 bd · 2 ba · 1,152 sqft · $443/sqft · 52 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 4786 S ATLANTIC AVENUE UNIT 4B — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4786 S ATLANTIC AVENUE UNIT 4B — 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
4786 S ATLANTIC AVENUE UNIT 4B FAQs
What would the monthly payment be for 4786 S ATLANTIC AVENUE UNIT 4B?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,961/mo — principal and interest, the actual property-tax bill, the $185/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 4786 S ATLANTIC AVENUE UNIT 4B?+
The association fee works out to $185 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4786 S ATLANTIC AVENUE UNIT 4B?+
The most recent tax bill on record (2024) was $4,054. 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 4786 S ATLANTIC AVENUE UNIT 4B?+
The listing reports pets: Cats OK, Dogs OK. 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 $359,900, this home is listed about 41% below the Ponce Inlet median of $615,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4786 S ATLANTIC AVENUE UNIT 4B?+
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
01Under the PONCE INLET 32127 market on paper
$359,900 is 12% below the PONCE INLET 32127 median of $410,000, and at $302/sqft it sits under the Ponce Inlet average of $387.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
290 days on market against a Ponce Inlet median of 116 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $364,900, now $359,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLLADO REAL ESTATE · Sonja Wiles. MLS #NS1086279.
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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