813 N ATLANTIC AVENUE, NEW SMYRNA BEACH, FL, 32169
Active69 days on marketListed Jun 3, 2026MLS #O6413582
About this home
813 N ATLANTIC AVENUE
Direct Oceanfront Cottage located on North Beach steps to the sand. This charming 3 bedroom, 2 bath home is move in ready for you to call home or use an Investment Property for Short or Long Term Rentals. You can sunbathe on the pavered patio, bike, and surf or take a short walk to Flagler Avenue where you can indulge in shopping, dining and entertainment. You will love spending your days and nights sipping your coffee or cocktails on the balcony with completely unobstructed views of the ocean Enjoy the sunrises from the Master Bedroom and patio.You'll be welcomed by the coastal vibe. Bring your toothbrush and start enjoying Beach Front Living! Rental History Available. Pictures paint a thousand words, so please check out the photos and virtual tour to fully capture this special beach home. Great location one hour from Orlando, St. Augustine, Cocoa Beach. Can be used as a weekly short term rental. All measurements are approx., and Buyer responsible for verifying all dimensions.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,654
Sqft
0.17 ac
Lot size
1949
Year built
One
Levels
$1,149
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.
$12,377 /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
$12,377/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.
vs edgeAI estimate
+122%
$/sqft vs New Smyrna Beach actives
$1,149 vs $365
Days on market
69 vs 68 typical
Where $1,149/sqft sits among the 400 New Smyrna Beach 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 Central Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know New Smyrna Beach. See the full New Smyrna Beach guide →
Central Beach — neighborhood snapshot
Population
1,843
Median age
62
Median income
$83,678
Median home value
$521,411
Avg household
2
Households w/ children
88%
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 → $445K
New Smyrna Beach median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
209 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 262% 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 813 N ATLANTIC 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$880,000
218 KIRKLAND ROAD · same community
2 bd · 2.5 ba · 1,616 sqft · $545/sqft · 181 DOM
Sold · May ’26$862,500
315 CRAWFORD ROAD · same community
3 bd · 2 ba · 1,392 sqft · $620/sqft · 18 DOM
Sold · Jan ’26$945,000
206 KIRKLAND ROAD · same community
4 bd · 3 ba · 1,940 sqft · $487/sqft · 51 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 813 N ATLANTIC AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 813 N ATLANTIC 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
813 N ATLANTIC AVENUE FAQs
What would the monthly payment be for 813 N ATLANTIC AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,377/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 813 N ATLANTIC AVENUE?+
The most recent tax bill on record (2025) was $15,028. 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 813 N ATLANTIC AVENUE?+
The listing reports pets: No. 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 $1,900,000, this home is listed about 269% above the New Smyrna Beach median of $515,350. The market section on this page shows how the area is trending.
Which schools are assigned to 813 N ATLANTIC 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.
The brief
Three things that matter here
01Positioned at the premium end
$1,900,000 runs 262% above the NEW SMYRNA BEACH 32169 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Coronado Beach Elementary School, New Smyrna Beach Middle School, New Smyrna Beach High School — Coronado Beach Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Amy White. MLS #O6413582.
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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