CENTURY 21 Edge
$439,9004 bd2 ba2,202 sqft$200 /sqft$3,603 /mo all-in ↓

3450 VELONA AVENUE, NEW SMYRNA BEACH, FL, 32168

Active2 days on marketListed Sep 18, 2026MLS #NS1089272

Single Family ResidenceVENETIAN BAY PH 1B UNIT 01

About this home

3450 VELONA AVENUE

Some homes impress you with upgrades. Others impress you with how well they've been cared for. 3450 Velona Ave does both, while offering something increasingly difficult to find in Venetian Bay: exceptional value. Meticulously maintained and move-in ready, this 4-bedroom, 2-bath single-story home is being offered at a price per square foot below the neighborhood's recent average, creating an opportunity to get more home for the money without sacrificing condition, location, or lifestyle. Even before coming to market, the owners continued investing in the property, REPLACING the OVEN, MICROWAVE, and HVAC heat pump, giving the next owner additional peace of mind from day one. Throughout the home, the pride of ownership is evident: it is exceptionally clean, thoughtfully maintained, and ready for someone to simply move in and enjoy. Inside, an open and functional floor plan creates an easy flow between the kitchen, dining, and main living areas. The kitchen features maple cabinetry, quartz countertops, a breakfast bar, and casual dining space overlooking the family room, making it equally suited for quiet mornings at home or entertaining friends and family. The generous primary suite provides a private retreat, with HUGE oversized closet, while three additional bedrooms offer the flexibility today's buyers want, whether that's space for family and guests, a home office, fitness room, or a combination of all three. Soaring ceilings and tile flooring throughout the main living areas add to the home's open, airy feel. One of the home's best features is the extended screened lanai, creating an additional living space that can be enjoyed throughout much of the year. Morning coffee, dinner outside, watching a game, or simply relaxing at the end of the day; this is the kind of space that quickly becomes one of the most-used areas of a Florida home. An extended driveway provides additional parking beyond the two-car garage, another practical feature that's easy to appreciate when family and friends visit. And then there's Venetian Bay itself. More than simply a neighborhood, it's a community built around a lifestyle, with its Town Center, restaurants, fitness and recreation, swimming, golf, and community amenities all close to home, while the beaches, restaurants, and attractions of New Smyrna Beach remain just a short drive away. The opportunity at 3450 Velona Ave is straightforward: a remarkably well-maintained home, meaningful recent updates, four bedrooms, generous indoor and outdoor living space, and a price positioned below the neighborhood's recent average on a per-square-foot basis. For buyers who have been waiting for the right combination of condition, value, and Venetian Bay lifestyle, this one deserves a closer look.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

2,202

Sqft

0.15 ac

Lot size

2

Garage

2011

Year built

One

Levels

$200

Per sqft

Pets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Open Floorplan
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofConcrete · Tile
ConstructionBlock · Concrete · Stucco
FoundationSlab
FacesWest
ParkingGarage Faces Rear
ExteriorAwning(s) · Irrigation System · Rain Barrel/Cistern(s) · Sidewalk

Community & fees

HOA fee$79/mo
Taxes (2025)$6,953/yr
PetsYes
CommunityCommunity Mailbox · Golf Carts OK · Golf · Irrigation-Reclaimed Water · Sidewalks

Utilities & systems

UtilitiesCable Available · Electricity Available · Sewer Available · Water Available
WaterPublic

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.

$3,603 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,590
FHA mortgage insurance (est.)$195
Property tax — 2025 actual bill$579
HOA fee — from the listing$79
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,397Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,397
Interest rate6.00%
Loan term

Estimated payment

$3,603/mo

Principal & interest$2,590
FHA mortgage insurance (est.)$195
Property taxes (actual bill)$579
HOA / condo fee$79
Est. insurance$160

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.

List $440K
$422KedgeAI estimate $467,226 · range $448K$495K$515K

vs edgeAI estimate

−5.8%

$/sqft vs New Smyrna Beach actives

$200 vs $371

Days on market

2 vs 72 typical

Where $200/sqft sits among the 400 New Smyrna Beach actives

163 · this home
76
81
32
19
29
$181–308$308–435$435–562$562–689$689–816$816+

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

Downtown Orlando57 min
Universal Orlando69 min
Orlando Int’l Airport (MCO)75 min

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

ElementaryChisholm Elementary School★★★★
HighNew Smyrna Beach High School★★★★★
MiddleNew Smyrna Beach Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The New Smyrna Beach market

Seller’s marketBalanced5.2 months of inventoryBuyer’s market

$448K$425K

New Smyrna Beach median sold, yr/yr

95.6%

Sale-to-list ratio (12 mo)

244 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 16% above the NEW SMYRNA BEACH 32168 median. See the full New Smyrna Beach market guide →

Paper trail

This home's history

Sep 18, 2026Listed at $439,900 · 2 days on market since
2011Built · VENETIAN BAY PH 1B UNIT 01

Reality check

What actually sold near 3450 VELONA AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3365 PEGASO AVENUESold · Sep ’26

$400,000

3365 PEGASO AVENUE · same community

4 bd · 2.5 ba · 2,307 sqft · $173/sqft · 124 DOM

3573 ROMEA CIRCLESold · Jan ’26

$334,500

3573 ROMEA CIRCLE · same community

3 bd · 2.5 ba · 2,080 sqft · $161/sqft · 17 DOM

3607 TRESTO STREETSold · Apr ’26

$320,000

3607 TRESTO STREET · same community

3 bd · 2.5 ba · 2,064 sqft · $155/sqft · 45 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.

Bridget McLennon

Your agent

Bridget McLennon

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3450 VELONA AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3450 VELONA AVENUE — before you fall in love.

See it in person

Schedule a tour

Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3450 VELONA AVENUE FAQs

What would the monthly payment be for 3450 VELONA AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,603/mo — principal and interest, the actual property-tax bill, the $79/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 3450 VELONA AVENUE?+

The association fee works out to $79 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3450 VELONA AVENUE?+

The most recent tax bill on record (2025) was $6,953. 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 3450 VELONA AVENUE?+

The listing reports pets: Yes. 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 $439,900, this home is listed about 16% 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 3450 VELONA AVENUE?+

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

$439,900 runs 16% above the NEW SMYRNA BEACH 32168 median — but at 2,202 sqft it's also 33% larger than the typical New Smyrna Beach listing.

02Fresh on the market

Only 2 days on market in a New Smyrna Beach market that averages 72 — if it fits, move quickly.

03Strong 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.

Listing courtesy of PREMIER SOTHEBY'S INTL. RLTY · Matthew Ecoff. MLS #NS1089272.

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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