1603 N INDIAN RIVER ROAD, NEW SMYRNA BEACH, FL, 32169
Active18 days on marketListed Oct 20, 2026MLS #NS1089520
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Upcoming open house
Sat, Nov 7
11:00 AM – 1:00 PM
About this home
1603 N INDIAN RIVER ROAD
Walk to the beach, the New Smyrna Beach Inlet, and the Smyrna Dunes Park boardwalk and dog beach from this fully renovated 5-bedroom, 4-bath coastal home with Intracoastal Waterway views and a trail to the Intracoastal right across the street. The home offers three separate living spaces, which gives you room for visiting guests, extended family, or long-term rental potential. The upper-level main residence features 3 bedrooms, 2 baths, high ceilings, and an open-concept living and dining area with ICW and sunset views. The private lower-level suite adds approximately 1,000 sq ft with 1 bedroom, 1 bath, and a full kitchen, making it ideal for in-laws or a tenant. A separate 1-bedroom, 1-bath efficiency works as a guest retreat, home office, gym, or additional rental. The home was completely updated with a new roof, AC, flooring, fixtures, and fresh paint throughout. Outside, the oversized lot leaves plenty of room for a pool or outdoor kitchen, and a fire pit seating area is already in place and pre-planned for a hot tub. You also get a 2-car covered carport, extra parking for a boat or RV, two laundry rooms, and ample storage for beach and water gear. Flagler Avenue’s shops and restaurants are just a short golf cart or bike ride away. Schedule your private showing today.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,743
Sqft
0.26 ac
Lot size
1952
Year built
Two
Levels
$441
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.
$12,142 /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
$12,142/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
+1.9%
$/sqft vs New Smyrna Beach actives
$441 vs $362
Days on market
18 vs 80 typical
Where $441/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)
221 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 175% 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 1603 N INDIAN RIVER ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$4,650,000
1610 N INDIAN RIVER ROAD · same community
5 bd · 4.5 ba · 4,564 sqft · $1,019/sqft · 9 DOM
Sold · Jan ’26$847,000
1640 N ATLANTIC AVENUE · same community
3 bd · 2.5 ba · 2,072 sqft · $409/sqft · 244 DOM
Sold · Apr ’26$3,000,000
427 COLUMBUS AVENUE
4 bd · 4.5 ba · 3,714 sqft · $808/sqft · 131 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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 1603 N INDIAN RIVER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1603 N INDIAN RIVER ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1603 N INDIAN RIVER ROAD FAQs
What would the monthly payment be for 1603 N INDIAN RIVER ROAD?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $12,142/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 1603 N INDIAN RIVER ROAD?+
The most recent tax bill on record (2025) was $11,764. 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 New Smyrna Beach?+
At $1,649,900, this home is listed about 200% 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 1603 N INDIAN RIVER ROAD?+
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.
Keep looking
Similar homes nearby
Listing courtesy of COLLADO REAL ESTATE · Chad Erickson. MLS #NS1089520.
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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