120 BEACH STREET, PONCE INLET, FL, 32127
Active191 days on marketListed Jan 30, 2026MLS #V4946634
About this home
120 BEACH STREET
Welcome to your coastal sanctuary in Ponce Inlet, where resort-style living meets timeless Southern charm. Nestled on an expansive lot just minutes from the beach, this beautifully residence offers the privacy, space, and lifestyle today's homebuyers crave—coastal breezes, a sparkling pool, and room to truly live with nature and space. Arrive via a long circular drive shaded by majestic live oaks, leading to an elegant two-story retreat featuring a brand-new roof and fresh exterior paint. The grand entry sets the tone with a glass-inlaid front door, sun-filled foyer, and soaring cathedral ceilings that open into a vibrant living space anchored by a dazzling chandelier. Rich hardwood floors flow seamlessly throughout, enhancing the home's coastal-luxury feel. The bright, spacious kitchen is ready for any chef, while the formal dining room—with its sophisticated wainscoting—creates the perfect setting for coastal entertaining. With five generously sized bedrooms, this home offers comfort and flexibility. On the main level, two bedrooms and two full baths create an ideal guest wing or future in-law suite with it's own private entrance. Upstairs, the luxurious primary suite features a serene alcove, walk-in closets, and a spa-inspired en-suite with dual vanities and a soaking tub. Skylights illuminate the versatile loftperfect for a media space, home gym, or family lounge. Step outside to discover a true Florida resort oasis. The screened, floor-to-ceiling enclosure surrounds a pristine pool and spa with grotto waterfall, offering year-round enjoyment. Entertain in style with your summer kitchen casita, host gatherings on the covered deck, or unwind in the privacy of your lush tropical garden porch. Additional highlights include a convenient inside laundry room with half bath, impact-resistant windows and sliders installed in 2017, a two-car garage, and abundant parking. Located moments from marinas, beachfront parks, nature trails, and restaurants, this home delivers the ultimate coastal lifestyle on a rare oversized lot. Your dream home in Ponce Inlet awaits coastal living, abundant space for the whole family, and stunning outdoor amenities all in one extraordinary property.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
2,094
Sqft
0.7 ac
Lot size
2
Garage
1973
Year built
Two
Levels
$573
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.
$7,640 /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
$7,640/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 NOT IN SUBDIVISION
$573 vs $255
Days on market
191 vs 116 typical
Where $573/sqft sits among the 125 homes for sale in NOT IN SUBDIVISION
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 Las Olas
Get to know Ponce Inlet. See the full Ponce Inlet guide →
Las Olas — neighborhood snapshot
Population
587
Median age
61
Median income
$119,338
Median home value
$546,100
Avg household
2
Households w/ children
53%
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 → $612K
Ponce Inlet median sold, yr/yr
94.1%
Sale-to-list ratio (12 mo)
62 of 125
NOT IN SUBDIVISION have cut their price
Median sold price, Ponce Inlet, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 193% above the PONCE INLET 32127 median. See the full Ponce Inlet market guide →
Paper trail
This home's history
Reality check
What actually sold near 120 BEACH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$299,990
1307 LONG STREET · same community
4 bd · 2 ba · 2,146 sqft · $140/sqft · 6 DOM
Sold · Apr ’26$250,000
19750 SE 30TH STREET · same community
3 bd · 2 ba · 1,950 sqft · $128/sqft · 48 DOM
Sold · Dec ’25$394,000
15140 COMMONWEALTH AVENUE N · same community
4 bd · 2 ba · 1,813 sqft · $217/sqft · 9 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 120 BEACH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 120 BEACH STREET — 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
120 BEACH STREET FAQs
What would the monthly payment be for 120 BEACH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,640/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 120 BEACH STREET?+
The most recent tax bill on record (2025) was $6,664. 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 120 BEACH STREET?+
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 Ponce Inlet?+
At $1,200,000, this home is listed about 95% above the Ponce Inlet median of $615,000. The market section on this page shows how the area is trending.
Which schools are assigned to 120 BEACH STREET?+
Spruce Creek High School (high), Silver Sands Middle School (middle), R. J. Longstreet Elementary School (elementary) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,200,000 runs 193% above the PONCE INLET 32127 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Spruce Creek High School, Silver Sands Middle School, R. J. Longstreet Elementary School — Spruce Creek High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $1,250,000, now $1,200,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of OCEANS LUXURY REALTY FULL SVC · Dayanis Purucker. MLS #V4946634.
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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