2904 S PENINSULA DR, DAYTONA BEACH SHORES, FL, 32118
Active124 days on marketListed Apr 12, 2026MLS #O6398429
About this home
2904 S PENINSULA DR
Waterfront living on the Halifax River with sunsets, dolphins, and your own dock and boatlift as the backdrop. This 5-bedroom, 5-bath home offers plenty of space with a great room featuring vaulted ceilings, a statement staircase, and iron balcony details. You’ll also find a dedicated office, game room, and multiple living areas. The kitchen is built for function and entertaining, with a layout that works for more than one cook. Upstairs, the primary suite includes a private riverfront balcony with direct access to the backyard. A separate downstairs suite is ideal for guests, in-laws, or teens. Out back: freeform pool, tropical landscaping, waterfall with a grotto, and a brick paver patio with wet bar—all overlooking the river and your own private dock. If you want a home that actually feels like Florida, this is it, and just 3 minutes from beach access.
Facts & features
The home at a glance
5
Bedrooms
5
Bathrooms
4,001
Sqft
0.34 ac
Lot size
2
Garage
1955
Year built
Two
Levels
$385
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 — not generic estimates.
$10,807 /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
$10,807/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 Daytona Beach Shores actives
$385 vs $318
Days on market
124 vs 36 typical
Where $385/sqft sits among the 58 Daytona Beach Shores 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 Daytona Beach Shores
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Daytona Beach Shores. See the full Daytona Beach Shores guide →
DAYTONA BEACH SHORES 32118 — neighborhood snapshot
Population
18,075
Median age
59.4
Median income
$60,418
Median home value
$339,500
Avg household
1.83
Households w/ children
976
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Daytona Beach Shores market
$450K → $395K
Daytona Beach Shores median sold, yr/yr
94.4%
Sale-to-list ratio (12 mo)
27 of 58
Daytona Beach Shores actives have cut their price
Median sold price, Daytona Beach Shores, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 431% above the DAYTONA BEACH SHORES 32118 median. See the full Daytona Beach Shores market guide →
Paper trail
This home's history
Reality check
What actually sold near 2904 S PENINSULA DR
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$1,900,000
2640 S PENINSULA DRIVE
6 bd · 4.5 ba · 4,204 sqft · $452/sqft · 139 DOM
Sold · Sep ’25$1,580,000
2924 RIVER POINT DRIVE
4 bd · 3 ba · 3,508 sqft · $450/sqft · 102 DOM
Sold · Apr ’26$2,280,000
2432 DODGE DRIVE
5 bd · 4.5 ba · 4,777 sqft · $477/sqft · 101 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 2904 S PENINSULA DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2904 S PENINSULA DR — 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
2904 S PENINSULA DR FAQs
What would the monthly payment be for 2904 S PENINSULA DR?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,807/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 2904 S PENINSULA DR?+
The most recent tax bill on record (2025) was $21,182. 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 2904 S PENINSULA DR?+
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 Daytona Beach Shores?+
At $1,539,000, this home is listed about 224% above the Daytona Beach Shores median of $474,900. The market section on this page shows how the area is trending.
Which schools are assigned to 2904 S PENINSULA DR?+
R. J. Longstreet Elementary School (elementary), Atlantic High School (high), Silver Sands 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
$1,539,000 runs 431% above the DAYTONA BEACH SHORES 32118 median — but at 4,001 sqft it's also nearly 2 times the size of the typical Daytona Beach Shores listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
124 days on market against a Daytona Beach Shores median of 36 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of HD REALTY LLC · Andy Tolbert. MLS #O6398429.
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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