4818 S PENINSULA DRIVE, PONCE INLET, FL, 32127
Active7 days on marketListed Oct 3, 2026MLS #NS1089419
About this home
4818 S PENINSULA DRIVE
BOATER'S & FISHERMAN'S PARADISE!! MAGNIFICENT 2.90 ACRE WATERFRONT ESTATE FEATURING 195' OF DEEP WATER FRONTAGE AND TWO BEAUTIFULLY REMODELED HOMES ON THE INTRACOASTAL WATERWAY/HALIFAX RIVER IN THE SOUGHT AFTER SEASIDE COMMUNITY OF PONCE INLET!! Welcome to Poppa's Fish Camp!! Enter this spectacular property through the remote-controlled access gated entrance with perimeter fencing, beautiful trees & manicured grounds. Extensive waterfront improvements include two motorized boat lifts, substantial rock seawall & bulkhead, floating raised concrete dock, wood decking, metal extensions, lighting and electric service, plus two dedicated Sea-Doo platforms. The property unfolds into a private waterfront compound with two exquisitely renovated residences totaling approximately 4,000 square feet of luxurious living area, creating an exceptional opportunity for primary residences, guest accommodations and/or a private family compound. The main residence, originally built in 1954 and extensively renovated, offers 3 bedrooms, 3 bathrooms and approximately 2,054 square feet of living area, complemented by an entry porch, large tiled covered porch and expansive rear covered deck overlooking the waterfront. The second residence is an impressive 1,946-square-foot, two-story residence, originally built in 1993 and beautifully updated and renovated. Configured as two separate residential suites, it features its own wood-and-granite island kitchen areas, 10-foot ceilings, fans and crown molding, creating an exceptional space for guests, recreation, entertaining or flexible use. This majestic property has the ability to be divided into two (2) parcels, subject to applicable requirements and approvals. Significant underground infrastructure improvements support excellent drainage and stormwater management, and an extended lift station connects to city sewer. This boater's & fisherman's paradise offers a rare Intracoastal Waterway/Halifax River waterfront opportunity of an extraordinary scale along with an unparalleled waterfront lifestyle, amazing views & breathtaking sunsets! Your private dock becomes a front row seat to see Florida's natural beauty with sea birds, manatee, dolphin & turtles up close in their natural habitat . Navigate from your private riverfront dock to the open ocean within minutes! Furnishings (less personal items) boats and jet skis are negotiable. Ponce Inlet and the pristine "no drive" beach is perfect for walking, biking, jogging or relaxing. Walk or bike to the historic Ponce Inlet Lighthouse, Jetty Park, Marine Science Center, waterfront restaurants, public pickleball, tennis & basketball courts, playgrounds, tiki bars, parks preserves, nature trails, dog park/dog beach, and a myriad of water sports. SCHEDULE YOUR PRIVATE SHOWING TODAY!!
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
4,124
Sqft
2.9 ac
Lot size
1954
Year built
Multi/Split
Levels
$1,261
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.
$32,922 /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
$32,922/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
+183.4%
$/sqft vs Ponce Inlet actives
$1,261 vs $364
Days on market
7 vs 59 typical
Where $1,261/sqft sits among the 52 Ponce Inlet 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 Las Olas
Get to know Ponce Inlet. See the full Ponce Inlet guide →
Las Olas — neighborhood snapshot
Population
587
Median age
61
Median income
$119,338
Median home value
$546,100
Avg household
2
Households w/ children
53%
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ponce Inlet market
$616K → $612K
Ponce Inlet median sold, yr/yr
94.1%
Sale-to-list ratio (12 mo)
23 of 52
Ponce Inlet actives have cut their price
Median sold price, Ponce Inlet, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1153% above the PONCE INLET 32127 median. See the full Ponce Inlet market guide →
Paper trail
This home's history
Reality check
What actually sold near 4818 S PENINSULA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$1,000,000
4621 S ATLANTIC AVENUE UNIT 7101
5 bd · 4 ba · 3,470 sqft · $288/sqft · 96 DOM
Sold · Jun ’26$1,200,000
105 BEACH STREET
4 bd · 4.5 ba · 3,367 sqft · $356/sqft · 181 DOM
Sold · Jun ’26$2,600,000
4693 S ATLANTIC AVENUE
4 bd · 4 ba · 3,238 sqft · $803/sqft · 82 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4818 S PENINSULA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4818 S PENINSULA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4818 S PENINSULA DRIVE FAQs
What would the monthly payment be for 4818 S PENINSULA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $32,922/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 4818 S PENINSULA DRIVE?+
The most recent tax bill on record (2025) was $33,035. 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 Ponce Inlet?+
At $5,200,000, this home is listed about 605% above the Ponce Inlet median of $737,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4818 S PENINSULA DRIVE?+
Spruce Creek High School (high), Silver Sands Middle School (middle), R. J. Longstreet Elementary School (elementary) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$5,200,000 runs 1153% above the PONCE INLET 32127 median — but at 4,124 sqft it's also nearly twice the size of the typical Ponce Inlet listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 7 days on market in a Ponce Inlet market that averages 59 — if it fits, move quickly.
04Strong assigned schools
Spruce Creek High School, Silver Sands Middle School, R. J. Longstreet Elementary School — Spruce Creek High School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of TEAM CARON REALTY · Diane Caron. MLS #NS1089419.
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 Ponce Inlet homes, in your inbox
Like 4818 S PENINSULA DRIVE but not quite? A daily digest of every new listing in Ponce Inlet — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Cindy to ping you on any price or status change →