406 S PINE STREET, NEW SMYRNA BEACH, FL, 32169
Active5 days on marketListed Oct 5, 2026MLS #J1005690
About this home
406 S PINE STREET
Rarely does an investment opportunity combine location, income, land, and future potential quite like this beachside duplex! Short distance to Flagler & the beach. Roof approx. 3 years old & One side just had HVAC replaced (9/2026) Ideally positioned on an oversized corner lot with mature landscaping, this well-maintained property offers two spacious 2-bedroom, 1-bath residences, each thoughtfully designed with its own private 1-car garage and separate parking area. A shared laundry room adds convenience for both units, while the generous lot provides valuable room for future expansion or additional improvements, subject to applicable zoning and approvals. With strong cash flow already in place and long-term leases currently in effect, this property offers the ideal combination of immediate income and long-term investment potential.
Facts & features
The home at a glance
4
Bedrooms
1,455
Sqft
0.25 ac
Lot size
2
Garage
1956
Year built
One
Levels
$560
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.
$5,473 /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
$5,473/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 New Smyrna Beach actives
$560 vs $364
Days on market
5 vs 102 typical
Where $560/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.
The numbers that matter
The New Smyrna Beach market
$448K → $475K
New Smyrna Beach median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
237 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 52% above the New Smyrna Beach median. See the full New Smyrna Beach 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 406 S PINE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 406 S PINE STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
406 S PINE STREET FAQs
What would the monthly payment be for 406 S PINE STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,473/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 406 S PINE STREET?+
The most recent tax bill on record (2025) was $7,312. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in New Smyrna Beach?+
At $815,000, this home is listed about 52% above the New Smyrna Beach median of $535,000. 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 #J1005690.
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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