125 PONCE TERRACE CIRCLE, PONCE INLET, FL, 32127
Active6 days on marketListed Nov 1, 2026MLS #NS1089632
About this home
125 PONCE TERRACE CIRCLE
Fabulous 3BR/2BA pool home located on a quiet cul-de-sac in sought after Ponce Inlet! This well-built home is constructed of concrete block and stucco and boasts a barrel tile roof. The light & bright open floor plan features a split bedroom design including a spacious living room with vaulted ceiling & gas fireplace. A separate Florida room allows plenty of space for the entire family! The fully-equipped kitchen has a convenient breakfast bar, granite countertops, newer refrigerator & dishwasher, ample cabinet space & a large pantry. The relaxing primary suite is complemented by a large walk-in closet and a private en-suite bathroom featuring a convenient walk-in shower. Two guest bedrooms are located on the opposite side of the home, and the guest bathroom is thoughtfully designed with an exterior door providing easy access to the pool/patio area. The sparkling screened in heated pool & spa overlooks the back yard that backs to a natural wooded area for an abundance of privacy. Pick fresh lemons & avocados from your own fruit trees. There’s also a plant watering system designed to keep the garden green and lush. An expansive driveway and a large two car garage provide ample parking space. A retractable screen garage door means you can also use your garage as a workshop, gym or additional living space while keeping the bugs out and enjoying the fresh air. Newer hot water heater. Walk or bike to the historic Ponce Inlet Lighthouse, jetty park, waterfront restaurants, Marine Science Center, nature preserves, charter fishing, boating, dog park/beach and more!! Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,457
Sqft
0.23 ac
Lot size
2
Garage
1986
Year built
One
Levels
$480
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.
$5,035 /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
$5,035/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
+35.5%
$/sqft vs Ponce Inlet actives
$480 vs $367
Days on market
6 vs 48 typical
Where $480/sqft sits among the 47 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 Ponce Inlet
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ponce Inlet. See the full Ponce Inlet guide →
PONCE INLET 32127 — neighborhood snapshot
Population
29,612
Median age
53.5
Median income
$71,676
Median home value
$340,900
Avg household
2.23
Households w/ children
2,833
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
$655K → $525K
Ponce Inlet median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
21 of 47
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 75% 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 125 PONCE TERRACE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$292,500
4670 LINKS VILLAGE DRIVE UNIT D206
2 bd · 2 ba · 1,438 sqft · $203/sqft · 325 DOM
Sold · Aug ’26$375,000
4670 LINKS VILLAGE DRIVE UNIT D506
2 bd · 2 ba · 1,438 sqft · $261/sqft · 104 DOM
Sold · Jun ’26$385,000
4670 LINKS VILLAGE DRIVE UNIT C106
2 bd · 2 ba · 1,438 sqft · $268/sqft · 22 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 125 PONCE TERRACE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 125 PONCE TERRACE CIRCLE — 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
125 PONCE TERRACE CIRCLE FAQs
What would the monthly payment be for 125 PONCE TERRACE CIRCLE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,035/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 125 PONCE TERRACE CIRCLE?+
The most recent tax bill on record (2025) was $2,501. 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 $699,900, this home is listed about 3% below the Ponce Inlet median of $725,000. The market section on this page shows how the area is trending.
Which schools are assigned to 125 PONCE TERRACE CIRCLE?+
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
$699,900 runs 75% above the PONCE INLET 32127 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 6 days on market in a Ponce Inlet market that averages 48 — 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.
Keep looking
Similar homes nearby
Listing courtesy of TEAM CARON REALTY · Diane Caron. MLS #NS1089632.
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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