1020 RUTH DRIVE, EDGEWATER, FL, 32132
Active162 days on marketListed Feb 11, 2026MLS #O6381319
About this home
1020 RUTH DRIVE
Available ready-to-build lot measuring 100x125 (12,500 sq ft / approx. 0.29 acres) with direct access to electricity and city utilities, not a flood zone. Strategically located just 15 minutes from Flagler Avenue and New Smyrna Beach, and only 5 minutes from George R. Kennedy Memorial Park with public boat ramp access. Excellent opportunity to build a primary residence or an income-producing investment property.
Facts & features
The home at a glance
0.29 ac
Lot size
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 — not generic estimates.
$889 /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
$889/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.
Where it sits
Inside Edgewater
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Edgewater. See the full Edgewater guide →
EDGEWATER 32132 — neighborhood snapshot
Population
8,132
Median age
57
Median income
$53,860
Median home value
$234,900
Avg household
2.14
Households w/ children
525
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Edgewater market
$280K → $307K
Edgewater median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
Median sold price, Edgewater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 71% below the EDGEWATER 32132 median. See the full Edgewater market guide →
Paper trail
This home's history
Reality check
What actually sold near 1020 RUTH DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$170,000
916 FLAGLER AVENUE · same community
2 bd · 1 ba · 780 sqft · $218/sqft · 31 DOM
Sold · Feb ’26$432,000
8640 SW 7th Lane, Okeechobee FL 34974 · same community
4 bd · 2 ba · 1,790 sqft · $241/sqft · 90 DOM
Sold · Aug ’25$475,000
432 SW 86th Avenue, Okeechobee FL 34974 · same community
4 bd · 2 ba · 1,810 sqft · $262/sqft · 182 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 1020 RUTH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1020 RUTH 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
1020 RUTH DRIVE FAQs
What would the monthly payment be for 1020 RUTH DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $889/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 1020 RUTH DRIVE?+
The most recent tax bill on record (2025) was $396. 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 Edgewater?+
At $110,000, this home is listed about 67% below the Edgewater median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1020 RUTH DRIVE?+
Edgewater Public 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.
Keep looking
Similar homes nearby
Listing courtesy of JF STAR REALTY · Mileidys Polo. MLS #O6381319.
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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