1709 UMBRELLA TREE DRIVE, EDGEWATER, FL, 32132
Active128 days on marketListed Mar 30, 2026MLS #NS1087578
About this home
1709 UMBRELLA TREE DRIVE
Move-in ready 3 bedroom, 2 bath Concrete Block home with new roof, located in the desirable North Florida Shores neighborhood. Property sits High and Dry (never flooded) on an Oversized 120' x 125' Triple Lot. Interior features include a bright Open Floor Plan with abundant natural light and a spacious Florida Room. The updated kitchen offers Stone Countertops, Stainless Steel Appliances, a large Breakfast Bar, and updated cabinetry. Additional upgrades include Laminate Flooring, updated lighting, and ceiling fans throughout. Guest bathroom was recently remodeled and the Primary Suite includes a Walk-In Closet. Exterior features include a spacious driveway for plenty of parking, a large Fenced Backyard with mature trees, ample space for storing your Boats and RV's, a large Utility Shed, installed Security Cameras and an oversized Two-Car Garage with Laundry Area and Workspace. Conveniently located approximately 5 minutes to I-95 and US-1, 10 minutes to Downtown New Smyrna Beach, with easy access to Beaches, Boat Ramps, Parks, and the Intracoastal Waterway. Buyer to verify all information. Seller financing availble for qualified buyers. Proof of Funds / Pre-Approval required with offer. Property owned by Listing Agent.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,277
Sqft
0.34 ac
Lot size
2
Garage
1979
Year built
One
Levels
$234
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.
$2,417 /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
$2,417/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
+12.7%
$/sqft vs FLORIDA SHORES 01
$234 vs $202
Days on market
128 vs 48 typical
Where $234/sqft sits among the 38 homes for sale in FLORIDA SHORES 01
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 Florida Shores
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Edgewater. See the full Edgewater guide →
Florida Shores — neighborhood snapshot
Population
13,275
Median age
47
Median income
$58,578
Median home value
$253,859
Avg household
2
Households w/ children
1,359
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Edgewater market
$280K → $307K
Edgewater median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
24 of 38
FLORIDA SHORES 01 have cut their price
Median sold price, Edgewater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% below the EDGEWATER 32132 median. See the full Edgewater market guide →
Paper trail
This home's history
Reality check
What actually sold near 1709 UMBRELLA TREE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$325,000
2213 NEEDLE PALM DRIVE · same community
3 bd · 2 ba · 1,278 sqft · $254/sqft · 55 DOM
Sold · Jan ’26$275,000
1408 TRAVELERS PALM DRIVE · same community
3 bd · 2 ba · 1,262 sqft · $218/sqft · 43 DOM
Sold · Dec ’25$300,000
1732 SABAL PALM DRIVE · same community
3 bd · 2 ba · 1,320 sqft · $227/sqft · 0 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1709 UMBRELLA TREE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1709 UMBRELLA TREE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1709 UMBRELLA TREE DRIVE FAQs
What would the monthly payment be for 1709 UMBRELLA TREE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,417/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 1709 UMBRELLA TREE DRIVE?+
The most recent tax bill on record (2025) was $4,370. 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 Edgewater?+
At $299,000, this home is listed about 9% below the Edgewater median of $329,450. The market section on this page shows how the area is trending.
Which schools are assigned to 1709 UMBRELLA TREE DRIVE?+
Edgewater Public School (elementary), New Smyrna Beach Middle School (middle), New Smyrna Beach High School (high) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the EDGEWATER 32132 market on paper
$299,000 is 9% below the EDGEWATER 32132 median of $330,000.
02Time on market is leverage
128 days on market against a Edgewater median of 48 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $319,000, now $299,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NSB HOMES LLC · Tina Pritchard. MLS #NS1087578.
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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