530 ESTHER STREET, NEW SMYRNA BEACH, FL, 32169
Active10 days on marketListed Sep 30, 2026MLS #NS1089348
About this home
530 ESTHER STREET
A hidden gem just steps from the beach and so close to Flagler Avenue! Rarely does an opportunity like this come available in New Smyrna Beach. This beautifully maintained three-story townhome offers the perfect combination of coastal lifestyle, flexible living space, and proven rental income potential. Coastal décor creates a comfortable and inviting coastal living environment. 2026 upgrades include new furniture and fresh interior paint and new roof in 2023. The three-story design provides excellent separation between living and sleeping areas, making it especially appealing for families, multi-generational visits, or hosting multiple guests while maintaining privacy and personal space. Beach and ocean access is conveniently located adjacent to the property, putting the sand and surf just steps from your door. And with Flagler Avenue so close by, you’re minutes from some of New Smyrna Beach’s favorite restaurants, boutiques, galleries, coffee shops, and beachside attractions. Whether you’re looking for a personal beach getaway, full-time residence, or investment property, this townhome offers exceptional flexibility. The property has demonstrated strong rental income, with approximately $64,700 in 2024, $43,950 in 2025, and $41,095 collected to date in 2026. Rental income may be higher depending on owner utilization and the amount of time the property is available for rental. Imagine starting your morning with a walk along the beach, spending the afternoon enjoying the ocean, and ending the day exploring Flagler Avenue. Rarely offered for sale, this hidden gem delivers the New Smyrna Beach lifestyle buyers seek—with recent updates, three levels of flexible living space, convenient beach access, and attractive rental income potential.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,233
Sqft
0.02 ac
Lot size
2
Garage
2007
Year built
Three Or More
Levels
$515
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.
$8,080 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,080/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+57.1%
$/sqft vs New Smyrna Beach actives
$515 vs $362
Days on market
10 vs 102 typical
Where $515/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 Central 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 →
Central Beach — neighborhood snapshot
Population
1,843
Median age
62
Median income
$83,678
Median home value
$521,411
Avg household
2
Households w/ children
88%
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 117% above the NEW SMYRNA BEACH 32169 median. See the full New Smyrna Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 530 ESTHER STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$1,106,000
327 DUE EAST STREET · same community
4 bd · 2 ba · 2,157 sqft · $513/sqft · 349 DOM
Sold · Mar ’26$765,000
210 LINCOLN AVENUE · same community
3 bd · 2 ba · 1,227 sqft · $623/sqft · 75 DOM
Sold · Aug ’26$6,550,000
101 DUE EAST STREET · same community
4 bd · 4.5 ba · 4,260 sqft · $1,538/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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 530 ESTHER STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 530 ESTHER STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
530 ESTHER STREET FAQs
What would the monthly payment be for 530 ESTHER STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,080/mo — principal and interest, the actual property-tax bill, the $250/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 530 ESTHER STREET?+
The association fee works out to $250 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 530 ESTHER STREET?+
The most recent tax bill on record (2026) was $12,473. 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 530 ESTHER STREET?+
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 $1,149,000, this home is listed about 115% above 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 530 ESTHER STREET?+
Coronado Beach Elementary 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
$1,149,000 runs 117% above the NEW SMYRNA BEACH 32169 median — but at 2,233 sqft it's also 35% larger than the typical New Smyrna Beach listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Coronado Beach Elementary School, New Smyrna Beach Middle School, New Smyrna Beach High School — Coronado Beach Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLLADO REAL ESTATE · Bob Newman. MLS #NS1089348.
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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