2760 PEARL LAKE TRAIL, NEW SMYRNA BEACH, FL, 32168
Active223 days on marketListed Jan 4, 2026MLS #NS1086890
About this home
2760 PEARL LAKE TRAIL
174 feet of pristine waterfront 4 Bd, 2 Ba, 2 Car Garage pool home nestled on 5 acres in a private tucked away community abounding with natural beauty free from ITOA restrictions is minutes to New Smyrna Beach and local attractions. The stocked lakefront home has easy access to beaches, boating, boat ramps, marinas, shopping and dining on historic Canal Street and Flagler Ave. It features an open floor plan kitchen, dining, living area that all open up to front and back covered porches. Inside are wood cabinets, stone countertops, island, wine fridge, and upgraded appliances. Primary en-suite has a walk-in shower and soaking tub. Outside is an enclosed designer pool with spa. This home has two multi use rooms with the ability to be used as a ADU- Accessory Dwelling Unit (i.e. Granny flat, Casitas, or in-law suite). If you are wanting to "live off grid" but feel like you are living in luxury, then this home should be high on your list to view and buy. Very close to New Smyrna Beach and Canaveral National Seashore. There is private access to paved walking and biking trails. The bonus is the extra detached 1 car garage and workshop.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,398
Sqft
5 ac
Lot size
2
Garage
2020
Year built
One
Levels
$561
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.
$8,541 /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
$8,541/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
−2.5%
$/sqft vs New Smyrna Beach actives
$561 vs $368
Days on market
223 vs 72 typical
Where $561/sqft sits among the 400 New Smyrna Beach 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 New Smyrna Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know New Smyrna Beach. See the full New Smyrna Beach guide →
NEW SMYRNA BEACH 32168 — neighborhood snapshot
Population
30,688
Median age
54.9
Median income
$72,967
Median home value
$310,200
Avg household
2.15
Households w/ children
2,507
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The New Smyrna Beach market
$448K → $424K
New Smyrna Beach median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
217 of 400
New Smyrna Beach actives have cut their price
Median sold price, New Smyrna Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 259% above the NEW SMYRNA BEACH 32168 median. See the full New Smyrna Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 2760 PEARL LAKE TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$571,000
1663 HIDEAWAY LANE
5 bd · 3 ba · 2,247 sqft · $254/sqft · 96 DOM
Sold · Mar ’26$440,990
2138 RED ROCK ROAD
5 bd · 3 ba · 2,601 sqft · $170/sqft · 0 DOM
Sold · Jun ’26$429,990
2289 LAKE PRESERVE CIRCLE
5 bd · 3 ba · 2,601 sqft · $165/sqft · 24 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 2760 PEARL LAKE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2760 PEARL LAKE TRAIL — 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
2760 PEARL LAKE TRAIL FAQs
What would the monthly payment be for 2760 PEARL LAKE TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,541/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 2760 PEARL LAKE TRAIL?+
The most recent tax bill on record (2024) was $7,424. 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 2760 PEARL LAKE TRAIL?+
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 New Smyrna Beach?+
At $1,345,000, this home is listed about 156% above the New Smyrna Beach median of $525,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2760 PEARL LAKE TRAIL?+
Chisholm Elementary School (elementary), New Smyrna Beach High School (high), New Smyrna Beach Middle School (middle) — 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
$1,345,000 runs 259% above the NEW SMYRNA BEACH 32168 median — but at 2,398 sqft it's also 46% larger than the typical New Smyrna Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
223 days on market against a New Smyrna Beach median of 72 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Chisholm Elementary School, New Smyrna Beach High School, New Smyrna Beach Middle School — Chisholm Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $1,395,000, now $1,345,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLLADO REAL ESTATE · Pat Collado. MLS #NS1086890.
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.
Never miss a listing
New New Smyrna Beach homes, in your inbox
Like 2760 PEARL LAKE TRAIL but not quite? A daily digest of every new listing in New Smyrna Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →