4494 S ATLANTIC AVENUE, PONCE INLET, FL, 32127
Active50 days on marketListed Aug 21, 2026MLS #J1004342
About this home
4494 S ATLANTIC AVENUE
Luxury Coastal Living in Ponce Inlet. Discover this exceptional custom-built 2021 luxury residence. Just steps from the Atlantic Ocean and the Intracoastal Waterway. Situated near the area's famous no-drive beach, this beautifully designed 3-bedroom,3-bath home offers a perfect blend of elegance, comfort, and modern coastal living. The open floor plan features a soaring vaulted ceiling and abundant natural light. The gourmet chef's kitchen is equipped with premium Viking Stainless Steel appliances, custom cabinetry, and a large center island overlooking the spacious great room. Enjoy your private backyard featuring a heated saltwater pool with spa, covered lanai, and fully equipped custom outdoor kitchen. High-impact windows and doors, standing-seam metal roof
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,346
Sqft
0.25 ac
Lot size
3
Garage
2021
Year built
One
Levels
$596
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.
$9,544 /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
$9,544/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 Ponce Inlet actives
$596 vs $364
Days on market
50 vs 59 typical
Where $596/sqft sits among the 52 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.
The numbers that matter
The Ponce Inlet market
$616K → $612K
Ponce Inlet median sold, yr/yr
94.1%
Sale-to-list ratio (12 mo)
23 of 52
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 90% above the Ponce Inlet median. See the full Ponce Inlet market guide →
Paper trail
This home's history
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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4494 S ATLANTIC AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4494 S ATLANTIC AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4494 S ATLANTIC AVENUE FAQs
What would the monthly payment be for 4494 S ATLANTIC AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,544/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 4494 S ATLANTIC AVENUE?+
The most recent tax bill on record (2025) was $15,724. 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 4494 S ATLANTIC AVENUE?+
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 $1,399,000, this home is listed about 90% above the Ponce Inlet median of $737,500. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J1004342.
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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