
265 MINORCA BEACH WAY UNIT 404, NEW SMYRNA BEACH, FL, 32169
Active39 days on marketListed Jul 1, 2026MLS #NS1088592
About this home
265 MINORCA BEACH WAY UNIT 404
Welcome to Minorca—one of the most sought-after waterfront communities in all of New Smyrna Beach. Nestled within this exclusive 52-acre ocean-to-river paradise, this beautifully renovated fourth-floor residence offers breathtaking views of the Intracoastal Waterway, Ponce Inlet, and unforgettable Florida sunsets. From the moment you walk through the door, you'll appreciate the bright, open floor plan and the coastal elegance that makes this condominium feel like home. The completely updated kitchen features quartz countertops, premium stainless steel appliances, and plenty of space for entertaining, while beautiful wood-look tile flooring flows throughout the main living areas. Fresh interior paint, crown molding, and soaring 9-foot ceilings create a light and airy feel that's perfect for waterfront living. French doors lead to a flexible office or optional third bedroom complete with charming shiplap accents, making it ideal for guests, working from home, or creating your own coastal retreat. One of the best features of this home is the oversized covered balcony. Whether you're starting your morning with coffee while watching boats cruise by or winding down with spectacular sunsets over the Intracoastal, this is the outdoor living space you'll never want to leave. The home also includes reserved covered parking and a private storage room, giving you plenty of space for all of your beach gear and bikes. Living in Minorca means you're not just buying a home—you're investing in a lifestyle. This gated waterfront community offers 24-hour security, beautifully landscaped walking trails, three heated pools and spas, four Har-Tru tennis courts, a state-of-the-art fitness center, clubhouse, sauna, billiards room, catering kitchen, and multiple gathering spaces for residents and guests. You'll also enjoy private beach access, private river access, an oceanfront pavilion, a riverfront gazebo with grilling stations, and a 64-slip marina, making it easy to spend your days boating, fishing, paddleboarding, kayaking, or simply watching dolphins play in the river. Boat slips are occasionally available for purchase, offering another incredible opportunity for waterfront enthusiasts. If you've been dreaming of the ultimate coastal lifestyle where luxury meets laid-back beach living, this is your chance. From sunrise walks on the beach to sunset cruises on the Intracoastal, every day feels like a vacation at Minorca. Schedule your private showing today and discover why so many people choose to call this incredible waterfront community home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,450
Sqft
1.72 ac
Lot size
1
Garage
2005
Year built
One
Levels
$447
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.
$4,609 /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
$4,609/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
$447 vs $373
Days on market
39 vs 68 typical
Where $447/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 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 →
North Beach — neighborhood snapshot
Population
1,269
Median age
62
Median income
$111,395
Median home value
$668,800
Avg household
2
Households w/ children
42%
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)
208 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 24% above the NEW SMYRNA BEACH 32169 median. See the full New Smyrna Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 265 MINORCA BEACH WAY UNIT 404
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$645,000
265 MINORCA BEACH WAY UNIT 403 · same community
3 bd · 2 ba · 1,450 sqft · $445/sqft · 10 DOM
Sold · Jul ’26$665,000
265 MINORCA BEACH WAY UNIT 505 · same community
3 bd · 2 ba · 1,655 sqft · $402/sqft · 19 DOM
Sold · Feb ’26$935,000
265 MINORCA BEACH WAY UNIT 902 · same community
3 bd · 2 ba · 1,655 sqft · $565/sqft · 182 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 265 MINORCA BEACH WAY UNIT 404 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 265 MINORCA BEACH WAY UNIT 404 — 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
265 MINORCA BEACH WAY UNIT 404 FAQs
What would the monthly payment be for 265 MINORCA BEACH WAY UNIT 404?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,609/mo — principal and interest, the actual property-tax bill, the $335/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 265 MINORCA BEACH WAY UNIT 404?+
The association fee works out to $335 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 265 MINORCA BEACH WAY UNIT 404?+
The most recent tax bill on record (2025) was $4,459. 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 265 MINORCA BEACH WAY UNIT 404?+
The listing reports pets: Cats OK, Dogs OK, Number 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 $648,500, this home is listed about 26% above the New Smyrna Beach median of $514,450. The market section on this page shows how the area is trending.
Which schools are assigned to 265 MINORCA BEACH WAY UNIT 404?+
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.
Keep looking
Similar homes nearby
Listing courtesy of THE HIGH TIDE GROUP · Tara Lyall. MLS #NS1088592.
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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