David Ramirez
$515,000$525,0002 bd2 ba1,299 sqft$396 /sqft$3,814 /mo all-in ↓

434 BOUCHELLE DRIVE UNIT 203, NEW SMYRNA BEACH, FL, 32169

Active93 days on marketListed May 9, 2026MLS #NS1088167

Reduced $10KWaterfrontPrivate poolFully furnishedCondominiumBOUCHELLE ISLAND 15 CONDO

About this home

434 BOUCHELLE DRIVE UNIT 203

Step into a serene waterfront sanctuary with this beautifully remodeled & tastefully furnished 2BR/2BA Bouchelle condo situated on the 2nd floor which overlooks Callalisa Creek & has fantastic views of the Indian River! Enjoy peaceful sunrises & sunsets & watch the boating action from your spacious waterfront screened balcony. Remodeling in 2023 included new top of the line custom kitchen & bath white cabinets & soft close drawers & beautiful designer quartz counter tops. A built in desk & more cabinets were added in the kitchen & the utility closet for more storage. Gourmet kitchen features attractive tiled backsplash & under cabinet lighting which add to the ambience of this stunning condo! Flowing seamlessly into the dining & living areas, complete with counter bar seating. The master suite is a haven of comfort, featuring direct access to the lanai and a luxurious en-suite bathroom offering a large walk-in closet, linen closet, double vanity, and a separate shower and garden tub. Crafted with full concrete construction, tranquility and peace abound within these walls. For added convenience, a carport (#2) is included, with your private storage closet, great for storing bikes, fishing equipment & beach gear! Kitchen features newer SS appliances & the washer dryer & HVAC were replaced in 2017. Bouchelle Island presents an array of amenities and activities, including an 18-hole pitch and putt golf course, tennis and pickleball courts, two swimming pools & spas, a fitness room, clubhouse with gas grill and kitchen. Please see the attached sellers disclosure for more upgrades! Enjoy the access to the brand new 1/2 mile riverfront board walk, with both wet and dry boat slips & private boat ramp into the Indian River. Relax & enjoy the riverfront tiki huts, firepits, BBQ grills, tables & chairs at the west end of the island. Situated conveniently close to shopping and dining options, including Flagler Avenue and Canal Street, as well as easy beach access, Bouchelle Island provides the lifestyle you deserve.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,299

Sqft

0.19 ac

Lot size

1997

Year built

One

Levels

$396

Per sqft

Private poolWaterfrontFurnished

Inside

FlooringCeramic Tile · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · Elevator · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryIn Kitchen
CoolingCentral Air
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofBuilt-Up · Tile
ConstructionBlock · Concrete · Stucco
FoundationBlock · Slab
FacesWest
ExteriorBalcony · Rain Gutters · Sidewalk · Sliding Doors · Tennis Court(s)

Community & fees

Taxes (2025)$4,738/yr
PetsCats OK, Dogs OK, Number Limit, Size Limit
CommunityBoat Slip · Community Boat Ramp · Dock · Fishing · Intracoastal Waterway · River · Waterfront · Clubhouse · Community Mailbox · Deed Restrictions · Fitness Center · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,814 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,032
FHA mortgage insurance (est.)$228
Property tax — 2025 actual bill$395
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,025Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,025
Interest rate6.00%
Loan term

Estimated payment

$3,814/mo

Principal & interest$3,032
FHA mortgage insurance (est.)$228
Property taxes (actual bill)$395
Est. insurance$160

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.

List $515K
$375KedgeAI estimate $401,609 · range $391K$429K$536K

vs edgeAI estimate

+28.2%

$/sqft vs New Smyrna Beach actives

$396 vs $368

Days on market

93 vs 68 typical

Where $396/sqft sits among the 400 New Smyrna Beach actives

158
82 · this home
80
34
19
27
$178–302$302–426$426–550$550–674$674–798$798+

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 South Causeway

Map of 434 BOUCHELLE DRIVE UNIT 203 inside its neighborhood boundary

Drive times from this address

Downtown Orlando65 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know New Smyrna Beach. See the full New Smyrna Beach guide →

South Causeway — neighborhood snapshot

Population

730

Median age

67

Median income

$65,938

Median home value

$441,100

Avg household

2

Households w/ children

10%

For the school run

Volusia County School District

MiddleNew Smyrna Beach Middle School★★★★★
HighNew Smyrna Beach High School★★★★★
ElementaryCoronado Beach Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The New Smyrna Beach market

Seller’s marketBalanced5.2 months of inventoryBuyer’s market

$448K$424K

New Smyrna Beach median sold, yr/yr

95.6%

Sale-to-list ratio (12 mo)

206 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 2% below the NEW SMYRNA BEACH 32169 median. See the full New Smyrna Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $515,000 $10K
May 9, 2026Listed at $525,000 · 93 days on market since
1997Built · BOUCHELLE ISLAND 15 CONDO

Reality check

What actually sold near 434 BOUCHELLE DRIVE UNIT 203

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

810 E 9TH AVENUESold · May ’26

$550,000

810 E 9TH AVENUE

3 bd · 2 ba · 1,313 sqft · $419/sqft · 102 DOM

308 S ORANGE STREETSold · Sep ’25

$433,000

308 S ORANGE STREET

3 bd · 1 ba · 1,247 sqft · $347/sqft · 131 DOM

1504 SOUTHARD AVENUESold · May ’26

$500,000

1504 SOUTHARD AVENUE

3 bd · 2 ba · 1,210 sqft · $413/sqft · 230 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 434 BOUCHELLE DRIVE UNIT 203 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 434 BOUCHELLE DRIVE UNIT 203 — before you fall in love.

See it in person

Schedule a tour

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Straight answers

434 BOUCHELLE DRIVE UNIT 203 FAQs

What would the monthly payment be for 434 BOUCHELLE DRIVE UNIT 203?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,814/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 434 BOUCHELLE DRIVE UNIT 203?+

The most recent tax bill on record (2025) was $4,738. 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 434 BOUCHELLE DRIVE UNIT 203?+

The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit. 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 $515,000, this home is priced right at the New Smyrna Beach median.

Which schools are assigned to 434 BOUCHELLE DRIVE UNIT 203?+

New Smyrna Beach Middle School (middle), New Smyrna Beach High School (high), Coronado Beach Elementary School (elementary) — Volusia County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

02Strong assigned schools

New Smyrna Beach Middle School, New Smyrna Beach High School, Coronado Beach Elementary School — Coronado Beach Elementary School rates 5 of 5. Always verify assignments with the district.

03The price has already moved

Listed at $525,000, now $515,000 — a $10K cut. The full history is in the market section below.

Listing courtesy of WATSON REALTY CORP · Cindy Walker. MLS #NS1088167.

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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