261 MINORCA BEACH WAY UNIT 804, NEW SMYRNA BEACH, FL, 32169
Active23 days on marketListed Oct 15, 2026MLS #NS1089503
About this home
261 MINORCA BEACH WAY UNIT 804
Panoramic Ocean and Intracoastal Views!!! Fabulous views of the Ocean, Ponce Inlet, the Lighthouse and the Intracoastal waterway. This immaculate professionally decorated three bedroom, two full bathroom home is ready for new owners. The perfect Kitchen is equipped with cherry cabinets, granite counter tops, custom backsplash, stainless appliances, counter glass cooktop, built-in convection oven and microwave. Both bathrooms have solid wood cabinets and granite counter tops. Primary bedroom has amazing views of the Ocean and Ponce Inlet Lighthouse and Inlet plus a walk in closet with custom cabinetry, the primary bathroom is very spacious with double vanities, garden tub, large shower, and private commode. The Kitchen, Great Room and Primary Suite all have sweeping ocean to Intracoastal views and access to your private balcony. Private storage room 9 x 4 is located just steps from your front door. Assigned and reserved secure parking first floor of the building. Parking space #28. A/C new 2023 and water heater new 2024. This unit is located in the Hammocks association with a private community pool, spa and gas grill for private use of the Karapathos building and sister building Salina. Minorca community offers a resort life style with amenities galore and 24 hour gated and maned security. The amenities include Private access to the Beach and Intracoastal both with Private Pavilions, Kayak Launch, Fishing Pier, state of the art Casino Clubhouse renovated 2026 with Pool Table, Full kitchen, TV and sitting areas, renovated Fitness Center, Large community Pool, 4 Har Tru Tennis Courts, Lending Library/Activity Centre, active social committee providing activities, plus yoga classes. Minorca is just a bike or golf cart ride away from the famous Flagler Avenue filled with shops, restaurants and bars. Come and live your dream life here at the beach. Schedule your own private tour today. Pets welcome.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,750
Sqft
2.78 ac
Lot size
2006
Year built
One
Levels
$629
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.
$8,825 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$8,825/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+4.9%
$/sqft vs New Smyrna Beach actives
$629 vs $362
Days on market
23 vs 80 typical
Where $629/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 North 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 →
North Beach — neighborhood snapshot
Population
1,269
Median age
62
Median income
$111,395
Median home value
$668,800
Avg household
2
Households w/ children
42%
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
$438K → $478K
New Smyrna Beach median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
220 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 84% 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 261 MINORCA BEACH WAY UNIT 804
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,125,000
255 MINORCA BEACH WAY UNIT 704
3 bd · 2 ba · 1,750 sqft · $643/sqft · 22 DOM
Sold · Jul ’26$665,000
265 MINORCA BEACH WAY UNIT 505
3 bd · 2 ba · 1,655 sqft · $402/sqft · 19 DOM
Sold · Feb ’26$935,000
265 MINORCA BEACH WAY UNIT 902
3 bd · 2 ba · 1,655 sqft · $565/sqft · 182 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 261 MINORCA BEACH WAY UNIT 804 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 261 MINORCA BEACH WAY UNIT 804 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
261 MINORCA BEACH WAY UNIT 804 FAQs
What would the monthly payment be for 261 MINORCA BEACH WAY UNIT 804?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $8,825/mo — principal and interest, the actual property-tax bill, the $355/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 261 MINORCA BEACH WAY UNIT 804?+
The association fee works out to $355 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 261 MINORCA BEACH WAY UNIT 804?+
The most recent tax bill on record (2025) was $11,702. 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 261 MINORCA BEACH WAY UNIT 804?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit. 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 $1,100,000, this home is listed about 100% above the New Smyrna Beach median of $549,700. The market section on this page shows how the area is trending.
Which schools are assigned to 261 MINORCA BEACH WAY UNIT 804?+
New Smyrna Beach Middle School (middle), New Smyrna Beach High School (high), Coronado Beach Elementary School (elementary) — 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
$1,100,000 runs 84% above the NEW SMYRNA BEACH 32169 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
New Smyrna Beach Middle School, New Smyrna Beach High School, Coronado Beach Elementary School — Coronado Beach Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ENGEL & VOLKERS NEW SMYRNA · Gwendolin Curley. MLS #NS1089503.
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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