CENTURY 21 Edge
$499,0002 bd2 ba1,800 sqft$277 /sqft≈$4,525 /mo all-in ↓

127 E ARIEL ROAD, OAK HILL, FL, 32759

Active13 days on marketListed Oct 24, 2026MLS #NS1089570

WaterfrontSingle Family ResidenceINDIAN HARBOR ESTATES UN 03

About this home

127 E ARIEL ROAD

Virtually Staged. or Virtual Enhancments to one or more photos***LOWER YOUR MONTHLY PAYMENT!***Seller is offering up to $10,000 toward a buyer’s interest rate buydown and/or allowable closing costs with an acceptable offer.*** Waterfront living is not just a view at 127 E Ariel Road, it is a lifestyle that begins right outside your back door. Tucked along a wide, deep canal in Oak Hill’s Indian Harbor Estates, this extensively updated 2-bedroom, 2-bath waterfront home offers approximately 1,800 square feet of living space per seller, a flexible two-level layout, and direct access toward Mosquito Lagoon and the Intracoastal Waterway. Upstairs, rich real-wood flooring, recessed lighting, ceiling fans and an electric fireplace create a warm, inviting main living area. The remodeled kitchen opens to the living and dining spaces with granite countertops, stainless steel appliances, glass-front cabinetry and convenient pull-out storage. The primary suite offers a private retreat with French-door details and an updated bath featuring granite countertops, built-in storage, tile accents and a glass-enclosed shower. Nearly 600 square feet of upper-level outdoor space may become your favorite part of the home, combining a large screened waterfront deck with an adjoining open deck overlooking the canal. It is an ideal setting for dining, entertaining, relaxing and enjoying the Florida waterfront lifestyle. Downstairs adds tremendous versatility with a spacious studio-style living and flex area featuring exposed tongue-and-groove wood ceilings, recessed lighting, ceiling fans, modern high-efficiency air conditioning, a full bath, laundry, workshop and storage space. Plumbing is already in place for the potential addition of a full kitchen or kitchenette, and the layout offers the possibility of creating a third bedroom, subject to applicable approvals. This space could work beautifully for guests, multigenerational living, recreation, a home office or other flexible uses. Outside, a newer concrete driveway leads to a substantial covered 2-car carport, while concrete-block lower construction, Hardie board siding upstairs, newer vinyl windows and a metal roof add to the home’s appeal. BRING THE BOAT! The waterfront setting is what truly separates this property from the rest. The home sits along one of the area’s deepest and most desirable canals, near a point where the canal opens into an exceptionally wide section of water that provides excellent maneuvering room. That extra width and depth can be especially appealing for owners of larger boats, including center consoles. A permitted private dock puts your boat just steps from the house, with room to explore a future dock configuration tailored to your needs, subject to permitting and applicable regulations. Spend your mornings fishing, your afternoons boating, enjoy the area’s legendary shrimping, or simply relax on the screened deck and watch the water. New Smyrna Beach, Ponce Inlet, Mosquito Lagoon, the Intracoastal Waterway and the Cape Canaveral area are all within easy reach by boat or car. If you have been searching for a property where boating is part of everyday life, this one deserves to be seen. Updated interiors, expansive outdoor living, flexible guest space, workshop and storage areas, a private dock and an outstanding wide-water canal location come together to create a unique Florida lifestyle property.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,800

Sqft

0.21 ac

Lot size

1998

Year built

Two

Levels

$277

Per sqft

WaterfrontFireplaceWater view55+ communityPets allowed

Inside

FlooringLuxury Vinyl · Tile · Hardwood
AppliancesConvection Oven · Dishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorLiving Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · PrimaryBedroom Upstairs · Solid Surface Counters · Split Bedroom · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Washer Hookup
CoolingMini-Split Unit(s) · Zoned
HeatingOther · Zoned

Outside & construction

RoofMetal
ConstructionBlock · Cement Siding · Stucco
FoundationSlab
ViewWater
FacesNorth
ParkingCovered · Driveway · Garage Faces Rear · Ground Level · Guest · Off Street · On Street
ExteriorBalcony · Lighting · Private Mailbox

Community & fees

Taxes (2025)$8,625/yr
PetsYes
CommunityCanal Front · Fishing · Intracoastal Waterway · River · Waterfront

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,525 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$3,426
FHA mortgage insurance (est.)$221
Property tax — 2025 actual bill$719
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,465Loan30-yr fixed at 7.5%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% · $17,465
Interest rate7.50%
Loan term

Estimated payment

$4,525/mo

Principal & interest$3,426
FHA mortgage insurance (est.)$221
Property taxes (actual bill)$719
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.

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.

List $499K
$442KedgeAI estimate $511,738 · range $461K–$563K$585K

vs edgeAI estimate

−2.5%

$/sqft vs Oak Hill actives

$277 vs $285

Days on market

13 vs 64 typical

Where $277/sqft sits among the 34 Oak Hill actives

12
15 · this home
2
2
0
3
$146–240$240–334$334–429$429–523$523–617$617+

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 Oak Hill

Drive times from this address

Orlando Int’l Airport (MCO)≈ 69 min
Downtown Orlando≈ 70 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Oak Hill. See the full Oak Hill guide →

OAK HILL 32759 — neighborhood snapshot

Population

3,216

Median age

50.3

Median income

$61,671

Median home value

$289,300

Avg household

2.84

Households w/ children

227

For the school run

Volusia County School District

ElementaryIndian River Elementary School★★★★★
MiddleNew Smyrna Beach Middle School★★★★★
HighNew Smyrna Beach High School★★★★★

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

The numbers that matter

The Oak Hill market

Seller’s marketLeans buyer — 10.4 months of inventoryBuyer’s market

$320K → $245K

Oak Hill median sold, yr/yr

92.1%

Sale-to-list ratio (12 mo)

21 of 34

Oak Hill actives have cut their price

Median sold price, Oak Hill, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 75% above the OAK HILL 32759 median. See the full Oak Hill market guide →

Paper trail

This home's history

Oct 24, 2026Listed at $499,000 · 13 days on market since
1998Built · INDIAN HARBOR ESTATES UN 03

Reality check

What actually sold near 127 E ARIEL ROAD

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

622 RIVERSIDE LANDING DRIVESold · May ’26

$585,000

622 RIVERSIDE LANDING DRIVE

3 bd · 2.5 ba · 1,748 sqft · $335/sqft · 100 DOM

4389 MAPLE AVENUESold · Nov ’25

$220,000

4389 MAPLE AVENUE

3 bd · 2 ba · 1,728 sqft · $127/sqft · 282 DOM

113 DOUGLAS STREETSold · Jun ’26

$490,000

113 DOUGLAS STREET

3 bd · 2 ba · 1,701 sqft · $288/sqft · 416 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.

Colleen Brown

Your agent

Colleen Brown

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 127 E ARIEL ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 127 E ARIEL ROAD — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

127 E ARIEL ROAD FAQs

What would the monthly payment be for 127 E ARIEL ROAD?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,525/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 127 E ARIEL ROAD?+

The most recent tax bill on record (2025) was $8,625. 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 127 E ARIEL ROAD?+

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 Oak Hill?+

At $499,000, this home is listed about 5% above the Oak Hill median of $475,000. The market section on this page shows how the area is trending.

Which schools are assigned to 127 E ARIEL ROAD?+

Indian River 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.

Listing courtesy of HOME & FAMILY REAL ESTATE & PROPERTY MANAGEMENT · Dennis Shepherd. MLS #NS1089570.

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 Oak Hill homes, in your inbox

Like 127 E ARIEL ROAD but not quite? A daily digest of every new listing in Oak Hill — straight from the MLS, hours after it goes live. Unsubscribe anytime.

By checking this box, I provide my prior express written consent to CENTURY 21 Edge, directly or through its affiliated real estate agents, to contact me at the telephone number(s) and email address I provide regarding my inquiry, real estate services, and marketing or promotional communications, including property listings, market updates, open houses, home value reports, and related real estate information. I authorize calls and text messages made using an automatic telephone dialing system or other automated technology and calls using prerecorded or artificial voice. I also consent to receive marketing and promotional emails. Consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages or HELP for help. I may unsubscribe from marketing emails using the unsubscribe link in any marketing email. I may revoke my consent to calls or text messages at any time using any reasonable method. Calls with CENTURY 21 Edge may be recorded. See our Privacy Policy, Terms of Use, and SMS Terms.

Just watching this one home? Ask Colleen to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated November 7, 2026 at 4:52 AM UTC. The listing information on this page last changed on November 7, 2026 at 4:52 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on November 7, 2026 at 4:52 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: November 7, 2026 at 4:52 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.