David Ramirez
$1,174,000$1,259,0004 bd2 ba2,109 sqft$557 /sqft$7,308 /mo all-in ↓

521 S PENINSULA AVENUE, NEW SMYRNA BEACH, FL, 32169

Active44 days on marketListed Jun 30, 2026MLS #NS1088603

Reduced $85KWaterfrontSingle Family ResidenceDETWILERS ADD 01 NEW SMYRNA BCH

Come see it

Upcoming open houses

Fri, Aug 14

2:00 AM – 5:00 PM

An Awesome New Smyrna Hickson Home that will sell quick. 4 bedrooms, two bathrooms, Chef inspired kitchen, Tiki Hut, firepit and spa all located on a pond. Too many features to mention. Priced to sell!! A must see !!!

Sat, Aug 15

1:00 AM – 4:00 PM

An Awesome New Smyrna Hickson Home that will sell quick. 4 bedrooms, two bathrooms, Chef inspired kitchen, Tiki Hut, firepit and spa all located on a pond. Too many features to mention. Priced to sell!! A must see !!!

Sun, Aug 16

1:00 AM – 4:00 PM

An Awesome New Smyrna Hickson Home that will sell quick. 4 bedrooms, two bathrooms, Chef inspired kitchen, Tiki Hut, firepit and spa all located on a pond. Too many features to mention. Priced to sell!! A must see !!!

About this home

521 S PENINSULA AVENUE

Welcome to your own slice of coastal paradise, where luxury, comfort, and the laid-back charm of beachside living come together beautifully. Ideally located between the lively atmosphere of Flagler Avenue—with its beach access, restaurants, and entertainment—and the local historic charm of Canal Street, this exceptional home places the very best of New Smyrna Beach right at your doorstep. Spend your days exploring boutique shops, dining at local favorites, cruising by golf cart, or enjoying a sunset bike ride through one of the area’s most sought-after neighborhoods.  Thoughtfully crafted by Hickson Construction, this custom-built, owner designed, raised slab-on-grade, residence offers quality craftsmanship and an impressive collection of upgrades designed for both everyday comfort and effortless entertaining. The heart of the home is a chef-inspired kitchen featuring premium Bosch appliances, a gas cooktop, Viking exhaust hood, Insta-hot faucet, pot filler, farmhouse sink, two closet type pantries, spacious center island, and breakfast bar—perfect for gathering with family and friends.  All plumbing fixtures are premium units that were over a $13,000.00 upgrade over the builder’s construction allowance. Inside, you’ll find rich hardwood flooring, a stunning natural gas stone fireplace, plantation shutters throughout, crown molding, volume and tray ceilings, built-in speakers, custom lighting, and countless architectural details throughout. The two separate 18-month-old Mitsubishi ducted mini-split inverter A/C units feature UV lights for sanitation. The spacious owner’s suite provides a private retreat with a jetted garden tub, dual vanities, and spa-like ambiance. Additional features include a whole-house, lighting arrestor, surge protector, centralized UPS battery bank with dedicated outlets throughout the house for sensitive equipment as well as a natural gas whole house generator, central vacuum system, tankless gas water heater, security/camera system, storm shutters, abundant storage, a climate-controlled attic space, and an enclosed porch complete with A/C, beverage cooler, and TV hookup.  This area was included in the living area.  Step outside and discover a true nature-preserve-type backyard oasis overlooking a peaceful pond. Designed for year-round enjoyment, the resort-style outdoor living area features a tiki hut with outdoor kitchen and bar, natural gas grill, firepit, gas tiki torches, spa, wood decking, TV hookup, and beautifully illuminated tropical landscaping. Whether you’re hosting guests or unwinding after a day at the beach, this private retreat offers the perfect setting.  Outdoor enthusiasts will appreciate the outdoor shower, kayak launch area, brick pavers, irrigation system, expanded parking for an RV or boat, 30-amp & sewer RV hookups, hardware for air compressor station and elevated construction under the porch design providing ample space for recreational toys and storage.  Listen to the sounds of the ocean from your very own waterfront backyard and catch one of the frequent rocket launches that light up the night sky.  This immaculate well-kept one-of-a-kind home captures the very essence of Florida coastal living—where every day feels like a vacation and every detail has been thoughtfully designed to enhance your lifestyle. Enclosed porch was included in living area. Property may be under audio and/or video surveillance. Easy to show.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

2,109

Sqft

0.21 ac

Lot size

2

Garage

2006

Year built

One

Levels

$557

Per sqft

WaterfrontFireplaceWater view

Inside

FlooringTile · Hardwood
AppliancesConvection Oven · Cooktop · Dishwasher · Disposal · Dryer · Exhaust Fan · Microwave · Range Hood · Refrigerator · Washer · Wine Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Central Vacuum · Chair Rail · Crown Molding · Eating Space In Kitchen · High Ceilings · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric · Wall Units / Window Unit

Outside & construction

RoofMetal
ConstructionWood Frame
FoundationPillar/Post/Pier · Slab
ViewWater
FacesWest
ParkingBoat · Garage Door Opener · RV Parking
ExteriorFire Pit · Hurricane Shutters · Irrigation System · Lighting · Outdoor Grill · Outdoor Shower · Rain Gutters · RV Hookup · Storage

Community & fees

Taxes (2025)$4,479/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected · Sewer Connected · 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.

$7,308 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,335
PMI (est., until 20% equity)$440
Property tax — 2025 actual bill$373
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $117,400Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $117,400
Interest rate6.00%
Loan term

Estimated payment

$7,308/mo

Principal & interest$6,335
PMI (est., until 20% equity)$440
Property taxes (actual bill)$373
Est. insurance$160

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.

List $1.2M
$771KedgeAI estimate $1,262,090 · range $804K$2.4M$2.5M

vs edgeAI estimate

−7%

$/sqft vs New Smyrna Beach actives

$557 vs $378

Days on market

44 vs 70 typical

Where $557/sqft sits among the 400 New Smyrna Beach actives

160
81
78
35 · this home
19
27
$174–301$301–427$427–553$553–680$680–806$806+

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 Central Beach

Map of 521 S PENINSULA AVENUE 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 →

Central Beach — neighborhood snapshot

Population

1,843

Median age

62

Median income

$83,678

Median home value

$521,411

Avg household

2

Households w/ children

88%

For the school run

Volusia County School District

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

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

The numbers that matter

The New Smyrna Beach market

Seller’s marketBalanced5.1 months of inventoryBuyer’s market

$448K$424K

New Smyrna Beach median sold, yr/yr

95.6%

Sale-to-list ratio (12 mo)

215 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 126% above the NEW SMYRNA BEACH 32169 median. See the full New Smyrna Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,174,000 $85K
Jun 30, 2026Listed at $1,259,000 · 44 days on market since
2006Built · DETWILERS ADD 01 NEW SMYRNA BCH

Reality check

What actually sold near 521 S PENINSULA AVENUE

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

653 GOODWIN AVENUESold · Dec ’25

$689,000

653 GOODWIN AVENUE · same community

3 bd · 2 ba · 2,157 sqft · $319/sqft · 144 DOM

606 S PINE STREETSold · Oct ’25

$1,050,000

606 S PINE STREET · same community

3 bd · 2 ba · 1,975 sqft · $532/sqft · 119 DOM

624 S PINE STREETSold · Oct ’25

$675,000

624 S PINE STREET · same community

2 bd · 2 ba · 1,973 sqft · $342/sqft · 278 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 521 S PENINSULA AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 521 S PENINSULA AVENUE — 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.

By checking this box, I agree that CENTURY 21 Edge and my agent may call and text me — including by automated means and prerecorded or artificial voice — at any phone number I provide, about my inquiry and the services provided to me, and that calls with CENTURY 21 Edge are recorded. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

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Goes straight to David’s phone and CRM.

Straight answers

521 S PENINSULA AVENUE FAQs

What would the monthly payment be for 521 S PENINSULA AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,308/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 521 S PENINSULA AVENUE?+

The most recent tax bill on record (2025) was $4,479. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in New Smyrna Beach?+

At $1,174,000, this home is listed about 128% above the New Smyrna Beach median of $515,700. The market section on this page shows how the area is trending.

Which schools are assigned to 521 S PENINSULA AVENUE?+

Coronado Beach Elementary School (elementary), New Smyrna Beach Middle School (middle), New Smyrna Beach High School (high) — 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

$1,174,000 runs 126% above the NEW SMYRNA BEACH 32169 median — but at 2,109 sqft it's also 28% larger than the typical New Smyrna Beach listing.

02Waterfront living

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

03Strong assigned schools

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

04The price has already moved

Listed at $1,259,000, now $1,174,000 — a $85K cut. The full history is in the market section below.

Listing courtesy of THE KEYES COMPANY · Chad Carlton. MLS #NS1088603.

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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