686 MIDDLEBURY LOOP, NEW SMYRNA BEACH, FL, 32168
Active186 days on marketListed Jan 19, 2026MLS #NS1087090
About this home
686 MIDDLEBURY LOOP
Charming 2-Bedroom Home Near the Ocean! Discover your perfect retreat in this lovely two-bedroom, two-bath home, ideally situated just 4 miles from the stunning ocean. Enjoy a sneak peek of the serene community pond from your backyard, creating a peaceful ambiance for relaxation. The community offers a beautifully renovated pool and clubhouse with shuffleboard court. This home is not only perfect for retirement but also a fantastic family residence with easy access to nearby restaurants and shopping. Don't miss the opportunity to make this delightful property your own and enjoy the coastal lifestyle!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,255
Sqft
0.12 ac
Lot size
2
Garage
1990
Year built
One
Levels
$229
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.
$2,122 /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
$2,122/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
+3.8%
$/sqft vs New Smyrna Beach actives
$229 vs $374
Days on market
186 vs 57 typical
Where $229/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 Fairway
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 →
Fairway — neighborhood snapshot
Population
3,426
Median age
60
Median income
$57,702
Median home value
$245,120
Avg household
2
Households w/ children
134
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
$438K → $449K
New Smyrna Beach median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
200 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 22% below 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 686 MIDDLEBURY LOOP
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$380,000
1327 WAYNE AVENUE · same community
3 bd · 2 ba · 1,406 sqft · $270/sqft · 90 DOM
Sold · Dec ’25$352,500
620 MIDDLEBURY LOOP · same community
3 bd · 2 ba · 1,482 sqft · $238/sqft · 179 DOM
Sold · Aug ’25$305,000
1307 WAYNE AVENUE · same community
3 bd · 2 ba · 1,527 sqft · $200/sqft · 83 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 686 MIDDLEBURY LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 686 MIDDLEBURY LOOP — 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
686 MIDDLEBURY LOOP FAQs
What would the monthly payment be for 686 MIDDLEBURY LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,122/mo — principal and interest, the actual property-tax bill, the $44/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 686 MIDDLEBURY LOOP?+
The association fee works out to $44 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 686 MIDDLEBURY LOOP?+
The most recent tax bill on record (2024) was $1,143. 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 686 MIDDLEBURY LOOP?+
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 $288,000, this home is listed about 44% below the New Smyrna Beach median of $510,000. The market section on this page shows how the area is trending.
Which schools are assigned to 686 MIDDLEBURY LOOP?+
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
Three things that matter here
01Under the NEW SMYRNA BEACH 32168 market on paper
$288,000 is 22% below the NEW SMYRNA BEACH 32168 median of $369,000, and at $229/sqft it sits under the New Smyrna Beach average of $417.
02Time on market is leverage
186 days on market against a New Smyrna Beach median of 57 — sellers in this position are usually ready to negotiate.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of THE KEYES COMPANY · Kathy Anderson. MLS #NS1087090.
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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