413 ARMOYAN WAY, NEW SMYRNA BEACH, FL, 32168
Active1 days on marketListed Nov 6, 2026MLS #NS1089628
About this home
413 ARMOYAN WAY
Enjoy the Best of Coastal Living! Built in 2018, this 3-bedroom,2-bath home offers a great opportunity to own a newer home in the desirable New Smyrna Beach area. One of the home's special features is the pleasant pond view enjoyed from the lanai, providing a relaxing setting to unwind and enjoy the outdoors. Conveniently located just a short drive from beautiful beaches, with easy access to I-95, shopping, dining and other local amenities. This home features a functional floor plan and provides a wonderful opportunity for someone looking to add their own personal touches. Some light cosmetic updating is needed, making this a great opportunity for buyers looking to build equity and make a home their own. Whether you're looking for a primary residence, seasonal getaway, or investment, this property is worth a look.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,508
Sqft
0.12 ac
Lot size
2018
Year built
One
Levels
$216
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.
$2,792 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,792/mo
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.
vs edgeAI estimate
−2.7%
Days on market
1 vs 80 typical
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 New Smyrna 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 →
NEW SMYRNA BEACH 32168 — neighborhood snapshot
Population
31,847
Median age
54.8
Median income
$77,083
Median home value
$358,500
Avg household
2.13
Households w/ children
2,855
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)
Median sold price, New Smyrna Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% below the NEW SMYRNA BEACH 32168 median. See the full New Smyrna Beach market guide →
Paper trail
This home's history
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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 413 ARMOYAN WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 413 ARMOYAN WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
413 ARMOYAN WAY FAQs
What would the monthly payment be for 413 ARMOYAN WAY?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,792/mo — principal and interest, the actual property-tax bill, the $56/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 413 ARMOYAN WAY?+
The association fee works out to $56 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 413 ARMOYAN WAY?+
The most recent tax bill on record (2025) was $2,415. 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 413 ARMOYAN WAY?+
The listing reports pets: Cats OK, Dogs OK. 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 $325,000, this home is listed about 41% below the New Smyrna Beach median of $549,000. The market section on this page shows how the area is trending.
Which schools are assigned to 413 ARMOYAN WAY?+
New Smyrna Beach High School (high), New Smyrna Beach Middle School (middle), Read-Pattillo Elementary School (elementary) — Volusia County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of SMITH REALTY AND ASSOC INC · Brandon Smith. MLS #NS1089628.
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 New Smyrna Beach homes, in your inbox
Like 413 ARMOYAN WAY but not quite? A daily digest of every new listing in New Smyrna Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Zack to ping you on any price or status change →