
2904 Palma LANE, NEW SMYRNA BEACH, FL, 32168
Active1221 days on marketMLS #NS1073581
About this home
2904 Palma LANE
Venetian Bay Gated Golf Community Pool Home 4 bedroom 3 bath, Minutes to the Beach, Luxury Furnished or Unfurnished Estate home with Screened Pool/Spa, Exterior Living Area with Fireplace, Kitchen, with Treed Lot Privacy, Located at "PORTOFINO ESTATES” of Venetian Bay Golf Community, Estate Lot Pool Home 4 Bedroom, 3 bath, Open Floor Plan, High Ceilings, Tiled Living Room, Gourmet Kitchen, Breakfast Bar and Dining Nook, Formal Dining Room, Office/Den/Sitting room, Carpeted Primary ensuite, Walk in Closets Safe Room, laundry, Parking Off Street, 1 Bay in Garage Parking available.The massive lanai is one of the largest offered allowing for gatherings, if the weather changes, touch your Power Shutter button to turn this amazing space to an indoor space while you cook in your high-end California kitchen, Fireplace Furnish Large Screen TV Living room. Inside your Screened in lanai is your resort style heated pool, hot tub and waterfall firepit, in total privacy as one of the largest preserve tree line lots. Request for Availability dates Minimum 6- 12 months or longer rental, First month, Last Month, and 1 month Security Deposit, Tenant pays for existing present Services billed monthly for lawn service, pest, pool service, utilities, Wi-Fi, and for tank fills of all Propane gas used for summer kitchen grill stove, fireplace, pool fire pit. $500 Exit Clean fee, additional Housekeeping available during occupancy for additional costs upon request. 100.00 for Applications for any occupants 18 years old or older, screening to be done for HOA Approval for occupancy. All information is intended to be accurate but is not guaranteed.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,372
Sqft
1
Garage
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$209 /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
$209/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $373
Days on market
1221 vs 73 typical
Where $2/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 North Village
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 →
North Village — neighborhood snapshot
Population
4,380
Median age
57
Median income
$97,768
Median home value
$445,000
Avg household
2
Households w/ children
314
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 → $424K
New Smyrna Beach median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
216 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 98% below the NEW SMYRNA BEACH 32168 median. See the full New Smyrna Beach market guide →
Reality check
What actually sold near 2904 Palma LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$950,000
2913 LINARI COURT · same community
4 bd · 3 ba · 2,624 sqft · $362/sqft · 112 DOM
Sold · Sep ’25$825,000
260 PORTOFINO BOULEVARD · same community
4 bd · 3 ba · 2,575 sqft · $320/sqft · 88 DOM
Sold · Jan ’26$494,990
120 VENETIAN PALMS BOULEVARD
4 bd · 3 ba · 3,170 sqft · $156/sqft · 99 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2904 Palma LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2904 Palma LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2904 Palma LANE FAQs
What would the monthly payment be for 2904 Palma LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $209/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 2904 Palma LANE?+
The listing reports pets: Breed Restrictions, Dogs OK, Number Limit, Size Limit. 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 $6,800, this home is listed about 99% below the New Smyrna Beach median of $525,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2904 Palma LANE?+
Chisholm Elementary School (elementary), New Smyrna Beach High School (high), New Smyrna Beach Middle School (middle) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the NEW SMYRNA BEACH 32168 market on paper
$6,800 is 98% below the NEW SMYRNA BEACH 32168 median of $375,000, and at $2/sqft it sits under the New Smyrna Beach average of $426.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
1221 days on market against a New Smyrna Beach median of 73 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Chisholm Elementary School, New Smyrna Beach High School, New Smyrna Beach Middle School — Chisholm Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of BEACHSIDE REALTY OF VOLUSIA · Lori Schmerler, Pa. MLS #NS1073581.
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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