4495 S ATLANTIC AVENUE UNIT 104, PONCE INLET, FL, 32127
Active69 days on marketListed Jun 2, 2026MLS #NS1088377
About this home
4495 S ATLANTIC AVENUE UNIT 104
One or more photo(s) has been virtually staged. AWESOME DIRECT OCEANFRONT COMPLETELY RENOVATED GROUND FLOOR CORNER 2BR/2BA COASTAL BEAUTY! The OPEN CONCEPT FLOOR PLAN boasts STUNNING VIEWS of the PRISTINE "NO DRIVE" SUGAR SAND BEACH IN SOUGHT AFTER PONCE INLET! Walk out your sliding glass doors and relax on your private oceanfront patio on the same level as the manicured grounds. This condo feel like an oceanfront private home! Enjoy the convenience of main level living with no elevators, stairs or hallways to navigate. This luxurious condo has many upscale features including porcelain tile plank flooring throughout, upgraded baseboards, remote control window shade on living room sliding doors, recessed lighting & a large private oceanfront patio with tile flooring. The chef's remodeled and expanded fully-equipped kitchen features stainless steel appliances, soft close wood cabinetry, granite countertops, breakfast bar, wine fridge and ample storage space. The spacious oceanfront primary suite has a luxurious updated bathroom with a rejuvenating steam shower, dual sinks and granite countertops. A large inside laundry room adjacent to the primary bath is ideally located and has a full-size stackable washer & dryer included and plenty of space for storage. A huge guest bedroom accommodates two queen size beds which are included and a sizable closet with organizers. The guest bathroom is also beautifully updated! New hot water heater in 2025 & new exterior HVAC in 2021. Enjoy resort-style amenities include a sparkling heated oceanfront pool, large oceanfront club room with kitchen, pickleball, tennis, shuffleboard & basketball court. Expert management with no pending assessments. Pet friendly with two pets allowed and NO weight limit. Centrally located near the iconic Ponce Inlet Lighthouse, Lighthouse Point Jetty Park, marinas, world-class charter fishing, waterfront dining, fresh seafood markets, dog park and beach, and more. Just 30 minutes to Daytona International Airport and approximately 90 minutes to Orlando International Airport. Orlando's world-class theme parks are between 1.5 to 2 hours drive. A truly rare opportunity to embrace Florida coastal living at its finest!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,200
Sqft
2.92 ac
Lot size
1972
Year built
One
Levels
$396
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.
$4,770 /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
$4,770/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
+22.4%
$/sqft vs Ponce Inlet actives
$396 vs $370
Days on market
69 vs 116 typical
Where $396/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
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 → $612K
Ponce Inlet median sold, yr/yr
94.1%
Sale-to-list ratio (12 mo)
27 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 16% 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 4495 S ATLANTIC AVENUE UNIT 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$440,000
4495 S ATLANTIC AVENUE UNIT 304 · same community
2 bd · 2 ba · 1,200 sqft · $367/sqft · 105 DOM
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
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 4495 S ATLANTIC AVENUE UNIT 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4495 S ATLANTIC AVENUE UNIT 104 — 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
4495 S ATLANTIC AVENUE UNIT 104 FAQs
What would the monthly payment be for 4495 S ATLANTIC AVENUE UNIT 104?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,770/mo — principal and interest, the actual property-tax bill, the $1,060/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 4495 S ATLANTIC AVENUE UNIT 104?+
The association fee works out to $1,060 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4495 S ATLANTIC AVENUE UNIT 104?+
The most recent tax bill on record (2025) was $6,528. 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 4495 S ATLANTIC AVENUE UNIT 104?+
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 $474,900, this home is listed about 23% 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 4495 S ATLANTIC AVENUE UNIT 104?+
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
$474,900 runs 16% above the PONCE INLET 32127 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,060/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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 $484,900, now $474,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TEAM CARON REALTY · Diane Caron. MLS #NS1088377.
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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