
2904 PALMA LANE, NEW SMYRNA BEACH, FL, 32168
Active50 days on marketListed Jun 22, 2026MLS #NS1088556
About this home
2904 PALMA LANE
Welcome to the exclusive gated Estates of Portofino within the Venetian Bay Golf Community in New Smyrna Beach, where refined Mediterranean-inspired coastal luxury meets resort-style living in this exceptional 5-bedroom, 4-bath estate designed for elevated comfort, privacy, and effortless entertaining. Constructed with timeless Mediterranean-style concrete block and stucco and topped with a classic tile roof, the home makes a striking architectural statement from the moment you arrive. A grand covered front porch entry with elegant double doors sets the tone for the sophistication within, upon entering the foyer opens to a formal dining room, an office with built in desk w/ bookshelves, Vaulted ceiling Overhead fans light set, multiple sun tunnels Open Living room to kitchen with breakfast bar and dining alcoves, French doors to the Exterior Family Room, while mature tropical landscaping and graceful palm trees frame the property with true Florida curb appeal. Inside, the residence offers a highly functional multigenerational layout with a fully equipped exterior private entrance separate in-law suite apartment, ideal for extended family, guests, or a private home office suite. The primary suite serves as a luxurious retreat featuring a spa-inspired en-suite bath, expansive custom walk-in closets, and a reinforced private safe room for added security and peace of mind. Throughout the home, all windows are fitted with plantation shutters, enhancing both elegance and energy efficiency while complementing the refined coastal aesthetic. Split Layout with 3 guest's bedrooms and 2 full baths. Designed for seamless indoor-outdoor living, the open-concept main living spaces flow into a dramatic outdoor entertainment environment. A secondary exterior living room with a fireplace and mounted flat-screen TV extends the living space outdoors, while also providing convenient access to a full pool bath directly from the lanai area. The chef-style kitchen and main living areas open to a covered outdoor retreat featuring electric privacy shutters and a fully appointed summer kitchen with built-in grill, refrigerator, and granite counter-height bar seating, perfect for upscale entertaining. The resort-style backyard is anchored by a seasonal heated pool with spa, cascading waterfall feature, and custom fire feature, creating a private oasis designed for year-round enjoyment. Electric storm shutters provide added protection, security, and convenience throughout the home. The private in-law apartment offers exceptional independence with its own kitchenette, refrigerator, washer/dryer hookup, full bath, sitting area, and queen-sized bedroom space, with sliding glass doors opening directly to the covered pool lanai for effortless indoor-outdoor flow. A spacious 3-car garage completes this exceptional estate, providing ample storage and functionality. Perfectly located just minutes from the Atlantic Ocean pristine beaches, the Intracoastal Waterway, shopping, dining, and historic Flagler Avenue and Canal Street walking downtowns, this residence delivers the ultimate blend of Mediterranean elegance, modern luxury, and coastal Florida lifestyle in one of New Smyrna Beach’s most desirable gated golf communities. Venetian Bay is a golf cart community access to Venetian Bay Golf course, club house dining and the Town center restaurants, bistros, shops, spa, tiki bar beach pool dining
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,172
Sqft
0.49 ac
Lot size
3
Garage
2015
Year built
One
Levels
$469
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.
$10,137 /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
$10,137/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.
$/sqft vs New Smyrna Beach actives
$469 vs $368
Days on market
50 vs 68 typical
Where $469/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 North Village
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 →
North Village — neighborhood snapshot
Population
4,380
Median age
57
Median income
$97,768
Median home value
$445,000
Avg household
2
Households w/ children
314
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 → $445K
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 297% 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 2904 PALMA LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$494,990
120 VENETIAN PALMS BOULEVARD
4 bd · 3 ba · 3,170 sqft · $156/sqft · 99 DOM
Sold · Oct ’25$480,000
327 TOSCA STREET
4 bd · 2.5 ba · 3,181 sqft · $151/sqft · 0 DOM
Sold · Mar ’26$548,050
3194 TIGER PALM WAY
4 bd · 3.5 ba · 3,136 sqft · $175/sqft · 71 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 2904 PALMA LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2904 PALMA LANE — 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
2904 PALMA LANE FAQs
What would the monthly payment be for 2904 PALMA LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,137/mo — principal and interest, the actual property-tax bill, the $183/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 2904 PALMA LANE?+
The association fee works out to $183 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2904 PALMA LANE?+
The most recent tax bill on record (2025) was $14,477. 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 2904 PALMA LANE?+
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 New Smyrna Beach?+
At $1,488,000, this home is listed about 189% above the New Smyrna Beach median of $515,350. The market section on this page shows how the area is trending.
Which schools are assigned to 2904 PALMA LANE?+
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
Four things that matter here
01Positioned at the premium end
$1,488,000 runs 297% above the NEW SMYRNA BEACH 32168 median — but at 3,172 sqft it's also nearly twice the size of the typical New Smyrna Beach listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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.
04The price has already moved
Listed at $1,528,000, now $1,488,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BEACHSIDE REALTY OF VOLUSIA · Lori Schmerler, Pa. MLS #NS1088556.
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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