824 GARFISH AVENUE, NEW SMYRNA BEACH, FL, 32169
Active102 days on marketListed Apr 29, 2026MLS #O6403072
About this home
824 GARFISH AVENUE
Welcome to your beachside retreat in New Smyrna Beach, perfectly positioned in the desirable Bethune Beach area. This versatile coastal property offers a rare combination of privacy, space, and income potential just steps from both the ocean and the Intracoastal Waterway. The main residence features a thoughtfully designed 2-bedroom, 2-bathroom layout upstairs, including a spacious primary suite with a private en-suite bath. Downstairs, a fully self-contained 1-bedroom, 1-bath apartment provides its own living area, full kitchen, washer/dryer, and private deck—ideal for guests, extended family, or supplemental rental income. An added bonus: the lower level includes existing plumbing, electrical, and A/C, offering the potential to create a 4th bedroom or expanded living space. Situated on an oversized 75x100 lot, the property is approximately three blocks to the Atlantic Ocean and just steps from the Intracoastal, where you can enjoy kayaking, paddleboarding, fishing, and unforgettable sunset views. The expansive second-floor deck is perfect for entertaining or unwinding in the coastal breeze. The generous lot size allows room to add a pool or design your own outdoor oasis, enhancing both lifestyle and long-term value. Located in a quiet coastal neighborhood with nearby public tennis courts and a fishing dock, this home offers a relaxed, Old Florida feel while still being within reach of everything New Smyrna Beach has to offer. Whether you’re looking for a primary residence, seasonal getaway, or a property with flexible living and rental options (monthly or longer), this is a unique opportunity to own a piece of Florida’s coastline. Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,696
Sqft
0.17 ac
Lot size
1
Garage
1986
Year built
Two
Levels
$398
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.
$4,958 /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
$4,958/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 BETHUNE VOLUSIA BEACH
$398 vs $737
Days on market
102 vs 68 typical
Where $398/sqft sits among the 20 homes for sale in BETHUNE VOLUSIA BEACH
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 Bethune Volusia Beach
Get to know New Smyrna Beach. See the full New Smyrna Beach guide →
Bethune Volusia Beach — neighborhood snapshot
Population
1,057
Median age
67
Median income
$84,904
Median home value
$464,100
Avg household
2
Households w/ children
41%
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)
13 of 20
BETHUNE VOLUSIA BEACH have cut their price
Median sold price, New Smyrna Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% above the NEW SMYRNA BEACH 32169 median. See the full New Smyrna Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 824 GARFISH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$1,300,000
6861 S ATLANTIC AVENUE · same community
3 bd · 2 ba · 1,728 sqft · $752/sqft · 69 DOM
Sold · Sep ’25$1,400,000
6877 S ATLANTIC AVENUE · same community
3 bd · 2 ba · 1,656 sqft · $845/sqft · 158 DOM
Sold · Aug ’26$1,600,000
6396 S ATLANTIC AVENUE · same community
3 bd · 2 ba · 1,974 sqft · $811/sqft · 94 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 824 GARFISH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 824 GARFISH AVENUE — 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
824 GARFISH AVENUE FAQs
What would the monthly payment be for 824 GARFISH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,958/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 824 GARFISH AVENUE?+
The most recent tax bill on record (2025) was $10,835. 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 New Smyrna Beach?+
At $675,000, this home is listed about 31% above 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 824 GARFISH AVENUE?+
Coronado Beach Elementary 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 R MICHAELS REALTY LLC · Roger Michaels. MLS #O6403072.
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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