656 MIDDLEBURY LOOP, NEW SMYRNA BEACH, FL, 32168
Active11 days on marketListed Jul 13, 2026MLS #NS1088726
About this home
656 MIDDLEBURY LOOP
Move right in and start your next chapter in this beautifully remodeled 3-bedroom, 2-bath home offering 1,567 square feet of stylish, functional living space. Thoughtfully renovated in 2022, this home combines modern finishes with the confidence of major system updates, making it an exceptional opportunity for first-time buyers, downsizers, or anyone seeking a truly turnkey property. The inviting open layout creates a seamless flow between the living, dining, and kitchen areas, providing the perfect space for everyday living, family gatherings, or entertaining friends. Natural light fills the home, creating a warm and welcoming atmosphere that instantly feels like home. Designed for peace of mind, this property features durable concrete block construction, a new roof installed in 2023, a 2017 HVAC system, and a water heater replaced in 2022. The spacious 2-car garage offers additional storage, giving you plenty of room for vehicles, hobbies, and outdoor gear. Whether you're purchasing your very first home or looking for a low-maintenance property with the major updates already completed, this home delivers the perfect blend of comfort, style, and value. Simply unpack, settle in, and enjoy everything homeownership has to offer. Conveniently located near shopping, dining, schools, parks, and just a short drive to the beautiful beaches of New Smyrna Beach, you'll enjoy the best of Florida living while coming home to a property that's been thoughtfully updated and move-in ready. All information is intended to be accurate, however not guaranteed.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,567
Sqft
0.14 ac
Lot size
2
Garage
2001
Year built
One
Levels
$230
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.
$2,723 /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
$2,723/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
+3.1%
$/sqft vs New Smyrna Beach actives
$230 vs $378
Days on market
11 vs 57 typical
Where $230/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 Fairway
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 →
Fairway — neighborhood snapshot
Population
3,426
Median age
60
Median income
$57,702
Median home value
$245,120
Avg household
2
Households w/ children
134
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
$438K → $449K
New Smyrna Beach median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
202 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 3% below 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 656 MIDDLEBURY LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$305,000
1307 WAYNE AVENUE · same community
3 bd · 2 ba · 1,527 sqft · $200/sqft · 83 DOM
Sold · Jun ’26$375,000
1305 WAYNE AVENUE · same community
3 bd · 2 ba · 1,619 sqft · $232/sqft · 87 DOM
Sold · Dec ’25$352,500
620 MIDDLEBURY LOOP · same community
3 bd · 2 ba · 1,482 sqft · $238/sqft · 179 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 656 MIDDLEBURY LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 656 MIDDLEBURY LOOP — 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
656 MIDDLEBURY LOOP FAQs
What would the monthly payment be for 656 MIDDLEBURY LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,723/mo — principal and interest, the actual property-tax bill, the $44/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 656 MIDDLEBURY LOOP?+
The association fee works out to $44 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 656 MIDDLEBURY LOOP?+
The most recent tax bill on record (2025) was $2,898. 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 656 MIDDLEBURY LOOP?+
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 $359,900, this home is listed about 29% below the New Smyrna Beach median of $510,000. The market section on this page shows how the area is trending.
Which schools are assigned to 656 MIDDLEBURY LOOP?+
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.
Keep looking
Similar homes nearby
Listing courtesy of EXIT REAL ESTATE PROPERTY SOL · Carl Vasile. MLS #NS1088726.
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.
Never miss a listing
New New Smyrna Beach homes, in your inbox
Like 656 MIDDLEBURY LOOP but not quite? A daily digest of every new listing in New Smyrna Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →