102 E CIRCLE DRIVE, NEW SMYRNA BEACH, FL, 32169
Active320 days on marketListed Sep 26, 2025MLS #O6347549
About this home
102 E CIRCLE DRIVE
Set along an extraordinary 149 feet of water frontage, 102 E. Circle in New Smyrna Beach is a rare offering designed for serious boaters and refined coastal living. An 90-foot private dock capable of accommodating a yacht that places you just moments from the Intracoastal Waterway and direct passage to Ponce Inlet, with no bridges to slow your departure for an effortless gateway to the Atlantic. This is waterfront living at its most authentic, where sunrise reflections dance across the water and evenings are framed by quiet elegance and beautiful sunsets. Beyond the dock, you are anchored in one of Florida’s most celebrated coastal towns, internationally recognized for its surf culture, natural beauty, historic roots and a vibrant arts and culinary scene. Consistently ranked among Florida’s top beach communities and named by global travel publications as one of the world’s premier surf destinations, New Smyrna Beach offers a lifestyle defined by authenticity rather than flash… walkable neighborhoods, boutique galleries, acclaimed local dining, and miles of pristine shoreline. This property is more than a waterfront home; it is a front-row seat to a coastal legacy where boating, culture, and understated living converge.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
5,043
Sqft
0.63 ac
Lot size
4
Garage
1963
Year built
Multi/Split
Levels
$771
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.
$25,899 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$25,899/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.
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.
$/sqft vs New Smyrna Beach actives
$771 vs $373
Days on market
320 vs 70 typical
Where $771/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 Coronado Island
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 →
Coronado Island — neighborhood snapshot
Population
1,002
Median age
62
Median income
$79,564
Median home value
$622,700
Avg household
2
Households w/ children
61%
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
$448K → $424K
New Smyrna Beach median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
209 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 652% 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 102 E CIRCLE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$1,750,000
34 RICHMOND DRIVE
3 bd · 3 ba · 2,400 sqft · $729/sqft · 261 DOM
Sold · Oct ’25$2,300,000
1307 HILL STREET
3 bd · 2.5 ba · 2,380 sqft · $966/sqft · 160 DOM
Sold · Jun ’26$879,000
513 BALL STREET
3 bd · 3.5 ba · 2,092 sqft · $420/sqft · 236 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 102 E CIRCLE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 102 E CIRCLE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
102 E CIRCLE DRIVE FAQs
What would the monthly payment be for 102 E CIRCLE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $25,899/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 102 E CIRCLE DRIVE?+
The most recent tax bill on record (2024) was $39,482. 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 $3,890,000, this home is listed about 655% above the New Smyrna Beach median of $515,350. The market section on this page shows how the area is trending.
Which schools are assigned to 102 E CIRCLE DRIVE?+
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
Five things that matter here
01Positioned at the premium end
$3,890,000 runs 652% above the NEW SMYRNA BEACH 32169 median — but at 5,043 sqft it's also nearly 3 times the size of the typical New Smyrna Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
320 days on market against a New Smyrna Beach median of 70 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $5,500,000, now $3,890,000 — a $1.6M cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Deborah Summers. MLS #O6347549.
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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