3216 UMBRELLA TREE, EDGEWATER, FL, 32141
Active34 days on marketListed Sep 9, 2026MLS #NS1089195
About this home
3216 UMBRELLA TREE
Welcome to 3216 Umbrella Tree Drive, a beautifully renovated home in the heart of Florida Shores with NO HOA! Remained high and dry through recent storms, and packed with stylish upgrades, this home is truly move-in ready. Step inside to an inviting open-concept, split floor plan with vaulted ceilings, updated lighting, gold accents, and a built-in electric fireplace. The show-stopping kitchen features quartz countertops, newer stainless steel appliances including a double oven, oversized farmhouse ceramic sink, and a large center island with built-in cooktop, bar seating, and pendant lighting. There's also an eat-in kitchen area plus a separate bar nook just off the kitchen—perfect for entertaining! The primary suite features an updated bathroom with a beautifully renovated shower. For added convenience, the garage includes a separate built-in laundry room with washer and dryer included. Out back, enjoy Florida living from the covered back porch/Florida room overlooking a spacious backyard complete with an above-ground pool and storage shed—perfect for relaxing, entertaining, and enjoying the outdoors. Location is another bonus! You're just a few miles from the Indian River, approximately 10 miles from New Smyrna Beach, and about 45–50 miles from Kennedy Space Center, with shopping, dining, boating, fishing, parks, and I-95 all nearby.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,509
Sqft
0.23 ac
Lot size
2
Garage
1999
Year built
One
Levels
$235
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.
$2,814 /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
$2,814/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
−10.5%
$/sqft vs Edgewater actives
$235 vs $204
Days on market
34 vs 59 typical
Where $235/sqft sits among the 154 Edgewater 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 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 → $309K
Edgewater median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
79 of 154
Edgewater actives have cut their price
Median sold price, Edgewater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% above the EDGEWATER 32141 median. See the full Edgewater market guide →
Paper trail
This home's history
Reality check
What actually sold near 3216 UMBRELLA TREE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$250,000
3223 UMBRELLA TREE DRIVE
3 bd · 1 ba · 1,484 sqft · $168/sqft · 33 DOM
Sold · Apr ’26$242,500
3132 PINE TREE DRIVE
4 bd · 2 ba · 1,534 sqft · $158/sqft · 239 DOM
Sold · Aug ’26$349,900
3321 UNITY TREE DRIVE
3 bd · 2 ba · 1,480 sqft · $236/sqft · 1 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3216 UMBRELLA TREE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3216 UMBRELLA TREE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3216 UMBRELLA TREE FAQs
What would the monthly payment be for 3216 UMBRELLA TREE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,814/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 3216 UMBRELLA TREE?+
The most recent tax bill on record (2026) was $4,886. 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 $355,000, this home is listed about 9% above the Edgewater median of $324,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3216 UMBRELLA TREE?+
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
01Positioned at the premium end
$355,000 runs 17% above the EDGEWATER 32141 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $365,000, now $355,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Miranda Stripling. MLS #NS1089195.
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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