548 ARMOYAN WAY, NEW SMYRNA BEACH, FL, 32168
Active34 days on marketListed Jul 4, 2026MLS #NS1088652
About this home
548 ARMOYAN WAY
Your Coastal Woods home with upgrades. Fully owned solar system with Tesla back up battery. Electric bill is $9.00 per month. Open floor plan with lots of natural light view of the water from great room and primary suite. This view offers lovely sunsets. A screened lanai off the living area for morning coffee or cooler evenings. Ceramic tile through out the house for easy maintenance and cleaning. Split bedroom plan with 2 guest suites and bath. Indoor laundry area located near the guest suites. Kitchen offers granite counters, soft close hinges center island with sink, convection oven with air fryer, new French style refrigerator with two freezer drawers and upgraded walk -in pantry with installed shelving. A water softener system installed June 2026. Two car garage has additional shelving for storage. Back yard is fully fenced . HOA fee is $675 Annually Your Coastal Woods home offers a great walking and biking neighborhood with easy access to amenities offered throughout New Smyrna Beach. House is located 27 minutes to the beach and 10 minutes to shopping and restaurants.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,651
Sqft
0.12 ac
Lot size
2
Garage
2019
Year built
One
Levels
$224
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.
$2,910 /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
$2,910/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
+4.5%
$/sqft vs New Smyrna Beach actives
$224 vs $387
Days on market
34 vs 68 typical
Where $224/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 New Smyrna 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 →
NEW SMYRNA BEACH 32168 — neighborhood snapshot
Population
30,688
Median age
54.9
Median income
$72,967
Median home value
$310,200
Avg household
2.15
Households w/ children
2,507
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)
207 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.
Paper trail
This home's history
Reality check
What actually sold near 548 ARMOYAN WAY
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$358,000
2822 BLUE SHORES WAY · same community
3 bd · 2 ba · 1,515 sqft · $236/sqft · 32 DOM
Sold · Sep ’25$340,000
569 ARMOYAN WAY · same community
4 bd · 2.5 ba · 2,228 sqft · $153/sqft · 0 DOM
Sold · May ’26$349,000
572 AEOLIAN DRIVE
3 bd · 2 ba · 1,645 sqft · $212/sqft · 40 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 548 ARMOYAN WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 548 ARMOYAN WAY — 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
548 ARMOYAN WAY FAQs
What would the monthly payment be for 548 ARMOYAN WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,910/mo — principal and interest, the actual property-tax bill, the $56/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 548 ARMOYAN WAY?+
The association fee works out to $56 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 548 ARMOYAN WAY?+
The most recent tax bill on record (2025) was $4,308. 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 548 ARMOYAN WAY?+
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 $369,000, this home is listed about 28% below the New Smyrna Beach median of $514,950. The market section on this page shows how the area is trending.
Which schools are assigned to 548 ARMOYAN WAY?+
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
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
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.
03The price has already moved
Listed at $399,000, now $369,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL AND COUNTRY PROPERTIES · Franci Davis. MLS #NS1088652.
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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