786 PINE SHORES CIRCLE, NEW SMYRNA BEACH, FL, 32168
Active36 days on marketListed Sep 4, 2026MLS #NS1089176
About this home
786 PINE SHORES CIRCLE
Coastal Living Meets Golf Course Convenience in New Smyrna Beach! Welcome to this immaculate, turnkey one-story home located on a prime corner lot in the highly desirable Pine Island community. Situated just minutes from the beach, the river, and historic downtown Canal Street, this property perfectly blends an active lifestyle with modern comfort. Step inside to find an open-concept floor plan boasting vaulted ceilings, dimmable recessed lighting, and gorgeous plank tile flooring. The chef-inspired kitchen features stunning 42” "river rock" stained cabinetry, a massive island with an 18” raised bar, quartz countertops, a stylish backsplash, and stainless steel appliances. A separate office/study offers great flexibility and can easily serve as a third bedroom. The owner's suite is a private retreat with a walk-in closet and an ensuite bath equipped with custom vanities, a garden tub, and a separate shower. Relax in the stunning Florida room (added in 2021), featuring sliding hurricane windows and high-security storm locks. Major structural upgrades provide ultimate peace of mind: a new roof (April 2023), a new water heater (December 2023), an updated A/C (2018), and exterior storm shutters. Outdoor enthusiasts will love the extra-wide driveway, 2-car garage with a screen, and a dedicated 30-AMP RV plug. Enjoy low-maintenance living with a shallow well irrigation pump (2023) and a transferable termite bond. Pine Island residents enjoy a beautiful community pool and clubhouse, all while being less than a quarter-mile from the municipal golf course and within 10 minutes of five other courses. Cross the causeway to explore Flagler Avenue's vibrant shopping, dining, and entertainment. Don't miss this coastal gem!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,322
Sqft
0.15 ac
Lot size
2
Garage
1989
Year built
One
Levels
$256
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 and the real association fee — not generic estimates.
$2,535 /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
$2,535/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
+12.8%
$/sqft vs New Smyrna Beach actives
$256 vs $364
Days on market
36 vs 102 typical
Where $256/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 Fairway
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 →
Fairway — neighborhood snapshot
Population
3,426
Median age
60
Median income
$57,702
Median home value
$245,120
Avg household
2
Households w/ children
134
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 → $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 12% below 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 786 PINE SHORES CIRCLE
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$285,000
804 PINE SHORES CIRCLE · same community
3 bd · 2 ba · 1,337 sqft · $213/sqft · 120 DOM
Sold · Dec ’25$302,000
767 PINE SHORES CIRCLE · same community
3 bd · 2 ba · 1,344 sqft · $225/sqft · 87 DOM
Sold · Apr ’26$255,000
704 SKY TREE COURT · same community
2 bd · 2 ba · 1,125 sqft · $227/sqft · 356 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 786 PINE SHORES CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 786 PINE SHORES CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
786 PINE SHORES CIRCLE FAQs
What would the monthly payment be for 786 PINE SHORES CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,535/mo — principal and interest, the actual property-tax bill, the $41/mo association fee 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.
How much are the HOA fees at 786 PINE SHORES CIRCLE?+
The association fee works out to $41 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 786 PINE SHORES CIRCLE?+
The most recent tax bill on record (2025) was $2,255. 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 786 PINE SHORES CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $339,000, this home is listed about 37% below the New Smyrna Beach median of $535,000. The market section on this page shows how the area is trending.
Which schools are assigned to 786 PINE SHORES CIRCLE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX SIGNATURE · Cindy Adkins. MLS #NS1089176.
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.
Never miss a listing
New New Smyrna Beach homes, in your inbox
Like 786 PINE SHORES CIRCLE but not quite? A daily digest of every new listing in New Smyrna Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Angela to ping you on any price or status change →