David Ramirez
$369,0004 bd2 ba1,828 sqft$202 /sqft$2,978 /mo all-in ↓

2989 GIBRALTAR BOULEVARD, NEW SMYRNA BEACH, FL, 32168

Active9 days on marketListed Jul 28, 2026MLS #NS1088858

WaterfrontSingle Family ResidenceCOASTAL WOODS UN A2

About this home

2989 GIBRALTAR BOULEVARD

The next chapter is ready to begin at 2989 Gibraltar Boulevard, where the highly popular Cali floor plan, peaceful lake views and easy New Smyrna Beach lifestyle come together in one inviting home. Built in 2018 with solid concrete-block construction, this single-story residence offers four bedrooms, two full bathrooms, 1,828 square feet of thoughtfully designed living space and an attached two-car garage. From the moment you enter, a welcoming foyer draws you toward the open heart of the home, where the kitchen, dining area and living room flow together naturally for everyday comfort, conversation and entertaining. The spacious kitchen features abundant cabinetry, generous counter space, a walk-in pantry and an oversized center island with a breakfast bar and double sink, allowing you to prepare meals while remaining connected to everything happening around you. What truly elevates this home is the water. Beautiful lake views are enjoyed from the kitchen, dining area, living room and primary bedroom, creating a calm and scenic backdrop throughout the spaces where you will spend the most time. Sliding glass doors lead from the dining area to the covered lanai, an ideal place for morning coffee, evening relaxation or simply watching the light and wildlife change across the water. The desirable split-bedroom design places the primary suite privately at the rear of the home, where pond views add a peaceful start and finish to each day. The suite includes a spacious bedroom, private bathroom with dual sinks and a separate shower, and a generous walk-in closet. Three additional bedrooms are positioned away from the primary suite and share a second full bathroom, providing excellent flexibility for guests, a home office, hobbies, fitness or whatever your next season of life requires. A dedicated interior laundry room keeps household routines convenient, while the attached two-car garage provides valuable parking and storage. The home is ready to enjoy now while still offering the perfect opportunity for a new owner to introduce personal style, updated finishes and creative touches over time. Rather than paying a premium for someone else’s design choices, you can begin with a comfortable, functional home in a beautiful setting and make it distinctly your own. Located in the Coastal Woods community, this property places you within convenient reach of New Smyrna Beach’s shoreline, shopping, restaurants, entertainment, recreation and the vibrant local destinations that make this area so special. Whether you are heading to the beach, enjoying an evening downtown or returning home to unwind beside the water, 2989 Gibraltar Boulevard offers the space, setting and potential to become more than your next address. It is a place to settle in, personalize and begin whatever comes next. Schedule your private showing and experience the layout, the views and the possibilities for yourself.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

1,828

Sqft

0.14 ac

Lot size

2

Garage

2018

Year built

One

Levels

$202

Per sqft

WaterfrontCity & Water viewPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Dryer · Range · Range Hood · Refrigerator · Washer
InteriorOpen Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewCity · Water
FacesNorthwest
ParkingDriveway · Garage Door Opener · Ground Level · On Street
ExteriorIrrigation System · Sliding Doors

Community & fees

HOA fee$56/mo
Taxes (2025)$5,116/yr
PetsYes
CommunityAssociation Recreation - Owned · Deed Restrictions · Sidewalks

Utilities & systems

UtilitiesElectricity Connected · Fire Hydrant · Public · Sewer Connected · Sprinkler Recycled · Street Lights · Water Connected
WaterPublic

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.

$2,978 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,172
FHA mortgage insurance (est.)$163
Property tax — 2025 actual bill$426
HOA fee — from the listing$56
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,915Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,915
Interest rate6.00%
Loan term

Estimated payment

$2,978/mo

Principal & interest$2,172
FHA mortgage insurance (est.)$163
Property taxes (actual bill)$426
HOA / condo fee$56
Est. insurance$160

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.

List $369K
$354KedgeAI estimate $383,763 · range $382K$389K$405K

vs edgeAI estimate

−3.8%

$/sqft vs New Smyrna Beach actives

$202 vs $379

Days on market

9 vs 68 typical

Where $202/sqft sits among the 400 New Smyrna Beach actives

158 · this home
85
81
30
19
27
$179–307$307–434$434–561$561–688$688–816$816+

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

Map of 2989 GIBRALTAR BOULEVARD

Drive times from this address

Downtown Orlando60 min
Universal Orlando72 min
Orlando Int’l Airport (MCO)74 min

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

ElementaryChisholm Elementary School★★★★
HighNew Smyrna Beach High School★★★★★
MiddleNew Smyrna Beach Middle 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)

206 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

Jul 28, 2026Listed at $369,000 · 9 days on market since
2018Built · COASTAL WOODS UN A2

Reality check

What actually sold near 2989 GIBRALTAR BOULEVARD

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

2822 BLUE SHORES WAYSold · Mar ’26

$358,000

2822 BLUE SHORES WAY · same community

3 bd · 2 ba · 1,515 sqft · $236/sqft · 32 DOM

569 ARMOYAN WAYSold · Sep ’25

$340,000

569 ARMOYAN WAY · same community

4 bd · 2.5 ba · 2,228 sqft · $153/sqft · 0 DOM

538 STOWERS DRIVESold · Jun ’26

$356,000

538 STOWERS DRIVE

4 bd · 2 ba · 1,825 sqft · $195/sqft · 32 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 2989 GIBRALTAR BOULEVARD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2989 GIBRALTAR BOULEVARD — 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.

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Goes straight to David’s phone and CRM.

Straight answers

2989 GIBRALTAR BOULEVARD FAQs

What would the monthly payment be for 2989 GIBRALTAR BOULEVARD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,978/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 2989 GIBRALTAR BOULEVARD?+

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 2989 GIBRALTAR BOULEVARD?+

The most recent tax bill on record (2025) was $5,116. 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 2989 GIBRALTAR BOULEVARD?+

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 $369,000, this home is listed about 28% below 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 2989 GIBRALTAR BOULEVARD?+

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.

Listing courtesy of HOME & FAMILY REAL ESTATE & PROPERTY MANAGEMENT · Elliott Hagood. MLS #NS1088858.

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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