40 CUNNINGHAM DRIVE, NEW SMYRNA BEACH, FL, 32168
Active86 days on marketListed May 12, 2026MLS #NS1088018
About this home
40 CUNNINGHAM DRIVE
This charming 3-bedroom, 2-bathroom single-story home is located in the desirable Inlet Shores neighborhood of New Smyrna Beach. Offering approximately 1,407 square feet of living space on a spacious 0.28-acre fenced lot, this well-maintained residence features a 2-car garage and a functional floor plan perfect for comfortable Florida living. With an abundance of natural light, the plantation shutters add a nice feel to this home. The large backyard provides plenty of room for outdoor entertaining, pets, or future improvements, while the established community setting offers a welcoming atmosphere. Just minutes from world-famous beaches, downtown New Smyrna Beach, shopping, dining, and the Intracoastal Waterway, this home combines convenience and classic coastal charm, making it an excellent choice for primary residence, investment, or seasonal retreat.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,407
Sqft
0.28 ac
Lot size
2
Garage
1972
Year built
One
Levels
$355
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.
$3,850 /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
$3,850/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
+54.3%
$/sqft vs New Smyrna Beach actives
$355 vs $379
Days on market
86 vs 68 typical
Where $355/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 New Smyrna Beach
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 →
NEW SMYRNA BEACH 32168 — neighborhood snapshot
Population
30,688
Median age
54.9
Median income
$72,967
Median home value
$310,200
Avg household
2.15
Households w/ children
2,507
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)
206 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 36% above the NEW SMYRNA BEACH 32168 median. See the full New Smyrna Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 40 CUNNINGHAM DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$415,000
72 CUNNINGHAM DRIVE · same community
3 bd · 2 ba · 1,397 sqft · $297/sqft · 34 DOM
Sold · Nov ’25$1,956,833
37 CUNNINGHAM DRIVE · same community
4 bd · 3 ba · 2,496 sqft · $784/sqft · 0 DOM
Sold · May ’26$1,325,000
33 CUNNINGHAM DRIVE · same community
4 bd · 3 ba · 3,228 sqft · $410/sqft · 71 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 40 CUNNINGHAM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40 CUNNINGHAM DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
40 CUNNINGHAM DRIVE FAQs
What would the monthly payment be for 40 CUNNINGHAM DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,850/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 40 CUNNINGHAM DRIVE?+
The most recent tax bill on record (2025) was $6,380. 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 $499,000, this home is listed about 3% below the New Smyrna Beach median of $514,450. The market section on this page shows how the area is trending.
Which schools are assigned to 40 CUNNINGHAM DRIVE?+
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
Three things that matter here
01Positioned at the premium end
$499,000 runs 36% above the NEW SMYRNA BEACH 32168 median.
02Strong 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.
03The price has already moved
Listed at $525,000, now $499,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WHITE WHALE REAL ESTATE · Timothy Loomis. MLS #NS1088018.
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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