
2021 WATERFORD ESTATES DRIVE, NEW SMYRNA BEACH, FL, 32168
Active32 days on marketListed Jul 15, 2026MLS #NS1088735
About this home
2021 WATERFORD ESTATES DRIVE
Some homes offer a view. This one offers a way of life. Nestled on approximately 1.4 beautifully landscaped acres, this extraordinary lakefront retreat seamlessly blends luxury, privacy, and nature in perfect harmony. Extensively renovated inside and out, this is far more than a home—it's a private waterfront sanctuary designed for those who appreciate exceptional craftsmanship, resort-style outdoor living, and the freedom that only a property like this can provide. Wake each morning to panoramic views of Lake Waterford, one of the area's premier ski lakes, where boating, wakeboarding, paddleboarding, kayaking, and fishing become part of everyday life. Your dock, complete with water, electricity, and a boat lift, places the lake just steps from your back door. The grounds are professionally landscaped and showcase more than 800 plants, creating a lush botanical setting filled with flowers, butterfly habitats, and fruit trees including avocado, banana, lemon, lime, grapefruit, orange, mulberry, pomegranate, and passion fruit. Mature wooded buffers surround the property, creating privacy while attracting an abundance of wildlife including deer, wild turkeys, osprey, and bald eagles. It's a setting that feels worlds away while remaining just minutes from everything. Inside, nearly every major component of the home has been thoughtfully upgraded to create a residence that feels virtually new. Hurricane-rated windows and doors flood the home with natural light. Meanwhile, the whole-house 22kW Generac generator, heavy-gauge standing seam metal roof, dual HVAC systems, and whole-house water softener provide the long-term peace of mind buyers rarely find. New flooring throughout the home, complemented by solid-core interior doors, updated trim, fresh paint, designer lighting, remodeled bathrooms, upgraded kitchen appliances. French doors open to the dedicated home office just off the foyer and the ground-floor primary en-suite features two walk-in closets, a free-standing tub, dual vanities and walk-in shower. Designed for entertaining and everyday living, triple sliding glass doors open up the interior with the screened lanai overlooking the pool and lake. The resurfaced heated saltwater pool and spa create the centerpiece of an outdoor living space, while the fully equipped outdoor kitchen—featuring a Café beverage center, Big Green Egg, and propane cooktop—sets the stage for everything from family dinners to unforgettable gatherings with friends. Practicality hasn't been overlooked. A fenced backyard, storage shed, abundant interior storage, attic decking above the garage, a 50-amp garage outlet for an EV charger or workshop equipment, and professionally illuminated landscaping complete a property where every detail has been carefully considered. Although the setting feels wonderfully secluded, the home is ideally located east of I-95, placing NSB's pristine beaches, the boutiques and restaurants of historic Canal Street, and the vibrant dining, shopping, and nightlife of Flagler Avenue just minutes away. Here, you can spend the morning on the lake, enjoy lunch downtown, catch sunset on the beach, and be home in time for dinner by the pool. Luxury isn't measured by square footage. It's measured by mornings on the lake, evenings beneath the oaks, and the feeling that you've finally found a place you'll never want to leave.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,674
Sqft
1.44 ac
Lot size
2
Garage
1999
Year built
Two
Levels
$522
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.
$8,824 /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
$8,824/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
$522 vs $368
Days on market
32 vs 73 typical
Where $522/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 → $424K
New Smyrna Beach median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
218 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 272% 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 2021 WATERFORD ESTATES DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$734,900
2030 WATERFORD ESTATES DRIVE · same community
3 bd · 2 ba · 2,096 sqft · $351/sqft · 117 DOM
Sold · Mar ’26$523,520
2281 MAGNOLIA DRIVE
4 bd · 3 ba · 2,675 sqft · $196/sqft · 0 DOM
Sold · Jul ’26$765,000
2101 KNITTLE CIRCLE
4 bd · 3.5 ba · 2,626 sqft · $291/sqft · 73 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 2021 WATERFORD ESTATES DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2021 WATERFORD ESTATES DRIVE — 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
2021 WATERFORD ESTATES DRIVE FAQs
What would the monthly payment be for 2021 WATERFORD ESTATES DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,824/mo — principal and interest, the actual property-tax bill, the $108/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 2021 WATERFORD ESTATES DRIVE?+
The association fee works out to $108 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2021 WATERFORD ESTATES DRIVE?+
The most recent tax bill on record (2025) was $6,066. 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 2021 WATERFORD ESTATES DRIVE?+
The listing reports pets: Yes. 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 $1,395,000, this home is listed about 166% above the New Smyrna Beach median of $525,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2021 WATERFORD ESTATES DRIVE?+
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
01Positioned at the premium end
$1,395,000 runs 272% above the NEW SMYRNA BEACH 32168 median — but at 2,674 sqft it's also 62% 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
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.
Keep looking
Similar homes nearby
Listing courtesy of THE KEYES COMPANY · Sylvan McElroy. MLS #NS1088735.
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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