2100 N PENINSULA AVENUE UNIT 1130, NEW SMYRNA BEACH, FL, 32169
Active129 days on marketListed Apr 13, 2026MLS #O6397896
About this home
2100 N PENINSULA AVENUE UNIT 1130
Ground-level 2-bed condo in New Smyrna Beach located on North Beach in the Ocean Inlet Yacht Club community. This 2-bedroom, 2-bath unit offers approximately 1,200 square feet with views of the Indian River, community pool, and boat docks. The unit features a functional layout with strong natural light and a private patio overlooking the water, providing a comfortable space to enjoy daily waterfront surroundings. The position of this unit offers convenient access to community amenities and water views from multiple living areas. Direct access to Ponce Inlet and a newly updated community dock support boating and fishing activities. Community amenities include a pool and renovated clubhouse, with HOA fees noted to be lower than many comparable condo communities in the area. The location is close to Smyrna Dunes Park, dog beach, Ponce Inlet, and the Atlantic Ocean. Flagler Avenue and Canal Street are nearby with dining, shopping, and local amenities. This property offers an opportunity to update and customize, making it suitable for a primary residence, second home, or investment in a well-located coastal community.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,200
Sqft
0.04 ac
Lot size
1976
Year built
One
Levels
$395
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.
$4,519 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$4,519/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.
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
−28.4%
$/sqft vs New Smyrna Beach actives
$395 vs $362
Days on market
129 vs 72 typical
Where $395/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
$448K → $425K
New Smyrna Beach median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
217 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 10% below 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 2100 N PENINSULA AVENUE UNIT 1130
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$770,000
402 LINCOLN AVENUE
2 bd · 2 ba · 1,205 sqft · $639/sqft · 81 DOM
Sold · Aug ’26$980,000
301 N PINE STREET
3 bd · 2 ba · 1,180 sqft · $831/sqft · 0 DOM
Sold · Mar ’26$765,000
210 LINCOLN AVENUE
3 bd · 2 ba · 1,227 sqft · $623/sqft · 75 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2100 N PENINSULA AVENUE UNIT 1130 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2100 N PENINSULA AVENUE UNIT 1130 — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2100 N PENINSULA AVENUE UNIT 1130 FAQs
What would the monthly payment be for 2100 N PENINSULA AVENUE UNIT 1130?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,519/mo — principal and interest, the actual property-tax bill, the $836/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 2100 N PENINSULA AVENUE UNIT 1130?+
The association fee works out to $836 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2100 N PENINSULA AVENUE UNIT 1130?+
The most recent tax bill on record (2025) was $6,311. 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 2100 N PENINSULA AVENUE UNIT 1130?+
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 $473,600, this home is listed about 10% below the New Smyrna Beach median of $525,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2100 N PENINSULA AVENUE UNIT 1130?+
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
01Under the NEW SMYRNA BEACH 32169 market on paper
$473,600 is 10% below the NEW SMYRNA BEACH 32169 median of $525,000, and at $395/sqft it sits under the New Smyrna Beach average of $427.
02Pool views
The pool view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $836/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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 $589,900, now $473,600 — a $116K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Tyler Gibson LLC. MLS #O6397896.
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 2100 N PENINSULA AVENUE UNIT 1130 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 Lacie to ping you on any price or status change →