David Ramirez
$4,200,000$4,590,0004 bd3.5 ba4,213 sqft$997 /sqft$26,042 /mo all-in ↓

1215 COMMODORE DRIVE, NEW SMYRNA BEACH, FL, 32168

Active66 days on marketListed May 20, 2026MLS #O6409027

Reduced $390KWaterfrontPrivate poolSingle Family ResidenceYACHT CLUB ISLAND ESTATES

About this home

1215 COMMODORE DRIVE

Welcome to Yacht Club Island. It would be easy to over-use superlatives in describing 1215 Commodore Dr. From the moment you enter this Custom, Intracoastal Front Residence you are captivated by the Views, the Open Spaces, the Architecture and the Light. Sunlight and Moonlight sparkle off the river and reflect off the pool. Downstairs, the spacious, open floor plan includes a Spacious, Light-Filled Living Room with natural gas fireplace and direct access to the pool area and water front lawn. Adjacent to the living room is both the Dining area and the large, Chef's Kitchen. The Kitchen boasts an 8-burner Viking natural gas range with two ovens and stainless exhaust hood, a stainless Sub Zero Refrigerator, Stainless KitchenAide Dishwasher, Viking buit-in Microwave, Double Deep Basin Sink (with a view to the courtyard), Quartz Counter Tops and Custom Tile Backsplash. The Kitchen opens to both the living room and dining room for optimal entertaining options. Adjacent to the Kitchen is a private office that opens to the shaded brick courtyard. Also adjacent to the Kitchen is the Drop Zone/Mud Room with a Sub Zero Wine Refrigerator, custom storage cabinets and direct access to the attached two car garage. From the Kitchen you also have direct access to the large Dining Area with French Doors to the intimate courtyard. Nearby is the voluminous Florida Room with stunning Eastern views of the Intracoastal and well as the pool and spa area. The Florida Room also features built-in shelves and a large natural gas fireplace. On the North side of the Living Room you'll find three bedrooms and two full bathrooms. Bedroom #2 features a 6x12 loft for extra play or sleeping space for the kids and grandchildren. Bedroom #2 also has direct access to an en-suite bathroom with tub/shower. Guests, and bedroom #3, can also access that bathroom from the hallway. Across the hall from Bedroom #4 is a large 3rd full bathroom with two sinks, a huge walk-in shower with multiple shower heads, and a private water closet. Also downstairs is a fabulous Library/Office with stunning Intracoastal views and a natural gas fireplace. This space could easily be transformed into a ground floor Primary Suite if that better suits your vision. Adjacent to the Library is a large laundry room w/ plenty of storage, a built-in desk and even a window looking out to the River. If a ground floor Primary is your goal, this space could be a large walk-in closet and laundry room. Upstairs is where you will find the Private Owner's Retreat! This Primary Suite features yet another (the 4th of four) natural gas fireplace, sweeping water views to the East, North and South, a large (9'6"x11'7") custom walk-in closet and a luxurious en-suite bathroom featuring a large, custom walk-in shower with its own window overlooking the pool and river. Outside, be ready to get lost in the resort-like setting. The custom pool & spa (w/ salt filtration system) offer the space to lounge & entertain family and guests. Beyond the pool area is the dock w/ covered 20,000 lb. lift. This lift has accommodated a 35' boat without sacrificing coverage. The adjacent 18'x10' deck area over the water is perfect for relaxing in afternoon breezes, watching a sunrise, launching kayaks or greeting visitors arriving by water. There is even a jet-ski lift. A Whole-House Backup Natural Gas Generator provides peace of mind. All measurements are approximate, and Buyer responsible to verify all dimensions.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

4,213

Sqft

0.37 ac

Lot size

2

Garage

1980

Year built

Two

Levels

$997

Per sqft

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringCarpet · Luxury Vinyl · Tile
AppliancesDishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Range · Refrigerator · Tankless Water Heater · Washer · Wine Refrigerator
InteriorHigh Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Split Bedroom · Stone Counters · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionStucco · Wood Frame
FoundationSlab
ViewWater
FacesEast
ExteriorHurricane Shutters · Irrigation System · Lighting · Outdoor Shower

Community & fees

HOA fee$83/mo
Taxes (2025)$18,728/yr
PetsYes
CommunityGated Community - No Guard

Utilities & systems

UtilitiesElectricity Connected · Natural Gas Connected · Sewer Connected · 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.

$26,042 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$22,663
PMI (est., until 20% equity)$1,575
Property tax — 2025 actual bill$1,561
HOA fee — from the listing$83
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $420,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $420,000
Interest rate6.00%
Loan term

Estimated payment

$26,042/mo

Principal & interest$22,663
PMI (est., until 20% equity)$1,575
Property taxes (actual bill)$1,561
HOA / condo fee$83
Est. insurance$160

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

$997 vs $378

Days on market

66 vs 57 typical

Where $997/sqft sits among the 400 New Smyrna Beach actives

174
86
77
24
11
28 · this home
$185–321$321–456$456–591$591–726$726–862$862+

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 South Mainland

Map of 1215 COMMODORE DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Orlando66 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know New Smyrna Beach. See the full New Smyrna Beach guide →

South Mainland — neighborhood snapshot

Population

1,029

Median age

56

Median income

$61,397

Median home value

$308,200

Avg household

2

Households w/ children

56%

For the school run

Volusia County School District

ElementaryRead-Pattillo Elementary School★★★★★
MiddleNew Smyrna Beach Middle School★★★★★
HighNew Smyrna Beach High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The New Smyrna Beach market

Seller’s marketLeans buyer7.2 months of inventoryBuyer’s market

$438K$449K

New Smyrna Beach median sold, yr/yr

95.6%

Sale-to-list ratio (12 mo)

203 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 1035% above the NEW SMYRNA BEACH 32168 median. See the full New Smyrna Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $4,200,000 $390K
May 20, 2026Listed at $4,590,000 · 66 days on market since
1980Built · YACHT CLUB ISLAND ESTATES

Reality check

What actually sold near 1215 COMMODORE DRIVE

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

1212 COMMODORE DRIVESold · Mar ’26

$4,400,000

1212 COMMODORE DRIVE · same community

4 bd · 5.5 ba · 4,660 sqft · $944/sqft · 298 DOM

1219 COMMODORE DRIVESold · Feb ’26

$2,700,000

1219 COMMODORE DRIVE · same community

6 bd · 4.5 ba · 4,827 sqft · $559/sqft · 114 DOM

1010 S RIVERSIDE DRIVESold · Aug ’25

$5,625,000

1010 S RIVERSIDE DRIVE

5 bd · 5.5 ba · 4,232 sqft · $1,329/sqft · 5 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 1215 COMMODORE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1215 COMMODORE 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.

Goes straight to David’s phone and CRM.

Straight answers

1215 COMMODORE DRIVE FAQs

What would the monthly payment be for 1215 COMMODORE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $26,042/mo — principal and interest, the actual property-tax bill, the $83/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 1215 COMMODORE DRIVE?+

The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1215 COMMODORE DRIVE?+

The most recent tax bill on record (2025) was $18,728. 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 1215 COMMODORE 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 $4,200,000, this home is listed about 724% above the New Smyrna Beach median of $510,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1215 COMMODORE DRIVE?+

Read-Pattillo 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.

The brief

Three things that matter here

01Positioned at the premium end

$4,200,000 runs 1035% above the NEW SMYRNA BEACH 32168 median — but at 4,213 sqft it's also nearly 3 times the size of 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.

03The price has already moved

Listed at $4,590,000, now $4,200,000 — a $390K cut. The full history is in the market section below.

Listing courtesy of COLLADO REAL ESTATE · Skip Kirst. MLS #O6409027.

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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