4786 S ATLANTIC AVENUE UNIT B1, PONCE INLET, FL, 32127
Active255 days on marketListed Nov 25, 2025MLS #V4946073
About this home
4786 S ATLANTIC AVENUE UNIT B1
Experience the best of coastal living in one of Central Florida's most sought-after beach communities. Perfectly positioned in the heart of Ponce Inlet, this beautifully updated townhome is tucked within a charming 8-unit community where the Atlantic Ocean, Halifax River, and endless outdoor adventures become part of everyday life. Whether you're searching for a full-time residence, weekend getaway, or turnkey vacation home, this property offers the relaxed Florida lifestyle buyers dream about. Thoughtfully updated and filled with natural light, the inviting interior features a remodeled kitchen with an oversized sink, built-in cutting board, open shelving, and generous workspace designed for gathering with family and friends. The spacious primary suite offers a peaceful retreat with a private balcony, jetted soaking tub, and custom California Closets that combine beauty with everyday functionality. Life in Ponce Inlet is centered around the outdoors. Spend your mornings watching the sunrise, surfing the Atlantic, paddleboarding or kayaking nearby waterways, boating from local marinas, fishing, biking scenic beachside trails, playing pickleball, exploring the Ponce Preserve, climbing Florida's tallest lighthouse, or enjoying fresh seafood and waterfront dining at favorite local restaurants. At the end of the day, rinse off in your private outdoor shower, relax on your patio, and enjoy the quiet atmosphere that makes this community so special. Offered fully furnished and move-in ready, this home makes transitioning to beach life effortless. Simply bring your toothbrush, your bathing suit, and start enjoying everything this exceptional coastal community has to offer. With one of the lowest HOA fees in the area, no known upcoming assessments, and a location that places you in the center of one of Florida's most beloved beach towns, this is more than a home—it's an opportunity to embrace the laid-back, active coastal lifestyle that keeps people coming back to Ponce Inlet year after year.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,190
Sqft
0.01 ac
Lot size
1979
Year built
Two
Levels
$267
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 and the real association fee — not generic estimates.
$2,680 /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
$2,680/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.
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
+61.6%
$/sqft vs Ponce Inlet actives
$267 vs $371
Days on market
255 vs 116 typical
Where $267/sqft sits among the 45 Ponce Inlet 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 Ponce Inlet
Get to know Ponce Inlet. See the full Ponce Inlet guide →
PONCE INLET 32127 — neighborhood snapshot
Population
28,430
Median age
53.6
Median income
$65,260
Median home value
$301,800
Avg household
2.18
Households w/ children
2,656
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ponce Inlet market
$616K → $755K
Ponce Inlet median sold, yr/yr
94.1%
Sale-to-list ratio (12 mo)
27 of 45
Ponce Inlet actives have cut their price
Median sold price, Ponce Inlet, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 23% below the PONCE INLET 32127 median. See the full Ponce Inlet market guide →
Paper trail
This home's history
Reality check
What actually sold near 4786 S ATLANTIC AVENUE UNIT B1
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$225,000
4790 S ATLANTIC AVENUE UNIT C303
2 bd · 2.5 ba · 1,190 sqft · $189/sqft · 88 DOM
Sold · Sep ’25$322,000
4786 S ATLANTIC AVENUE UNIT 3
2 bd · 1.5 ba · 1,190 sqft · $271/sqft · 30 DOM
Sold · Aug ’25$510,000
4901 SAILFISH DRIVE
3 bd · 2 ba · 1,152 sqft · $443/sqft · 52 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 4786 S ATLANTIC AVENUE UNIT B1 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4786 S ATLANTIC AVENUE UNIT B1 — 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
4786 S ATLANTIC AVENUE UNIT B1 FAQs
What would the monthly payment be for 4786 S ATLANTIC AVENUE UNIT B1?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,680/mo — principal and interest, the actual property-tax bill, the $185/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 4786 S ATLANTIC AVENUE UNIT B1?+
The association fee works out to $185 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4786 S ATLANTIC AVENUE UNIT B1?+
The most recent tax bill on record (2024) was $3,866. 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 4786 S ATLANTIC AVENUE UNIT B1?+
The listing reports pets: Cats OK, Dogs OK. 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 Ponce Inlet?+
At $318,000, this home is listed about 48% below the Ponce Inlet median of $615,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4786 S ATLANTIC AVENUE UNIT B1?+
Port Orange Elementary School (elementary), Silver Sands Middle School (middle), Spruce Creek High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the PONCE INLET 32127 market on paper
$318,000 is 23% below the PONCE INLET 32127 median of $415,000, and at $267/sqft it sits under the Ponce Inlet average of $387.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
255 days on market against a Ponce Inlet median of 116 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Port Orange Elementary School, Silver Sands Middle School, Spruce Creek High School — Port Orange Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $355,000, now $318,000 — a $37K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS, CAMERON & CO., REALTORS · Cyndi Ritchey. MLS #V4946073.
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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