
109 N PENINSULA AVENUE, NEW SMYRNA BEACH, FL, 32169
Active104 days on marketListed May 7, 2026MLS #O6405898
About this home
109 N PENINSULA AVENUE
MOVE IN SPECIAL--$500 OFF FIRST MONTH RENT IF YOU MOVE IN BY SEPTEMBER 1! No Application Fee for Approved Applicants! Apply today and, if approved and you move forward with signing a lease and taking possession of the home, your application fee will be refunded! This is available for a 7+ month lease or more! Comes fully furnished! Spacious beachside living awaits at this beautiful 5-bedroom, 2.5-bath furnished home located in the heart of New Smyrna Beach! Just minutes from the sandy shores, this home offers the perfect blend of comfort, space, and coastal lifestyle. Featuring a bright and open floor plan, generous living areas, and plenty of room for family, guests, or a home office setup, this property is ideal for anyone looking to enjoy beachside living year-round. Enjoy relaxing evenings on the property after a day at the beach, with nearby dining, shopping, and entertainment all within easy reach. Don’t miss this opportunity to rent a spacious home in one of Florida’s most desirable coastal communities! Pet Policy --One Dog of 35lb or less (full grown size) - NO AGGRESSIVE BREEDS! Pet insurance is required as well as current vet records. A non-refundable pet fee and additional rent is required for an approve pet . Failure to report any animal intended for residency will invalidate your application and immediately terminate your lease if you are selected. YOU MUST TOUR THE PROPERTY PRIOR TO SUBMITTING AN APPLICATION. Application Process: You will be required to submit the following when you fill out your application: Driver's License/State ID, Income Verification, and pictures, if any, of your pet. This must be done when you apply in order to proceed with your application. APPLICATION FEES ARE NON-REFUNDABLE AND APPLY TO EVERYONE 18+ YEARS OR OLDER. We check: Credit (rental collections and utility collections are red flags) Rental history Employment Background (extent determined by HOA requirements) Gross income must meet or exceed 3 times the monthly rent to qualify for the property you are interested in. Example-Applicant must be able to prove $3000 gross income (verifiable) in order to qualify for home that rents for $1000 a month. What is provable income? A copy of your last pay stub or a letter from your employer will help in determining your income. Sometimes copies of your bank statement or your tax return, W2 forms or 1099 forms are necessary as well. Types of income include, Child Support, Spousal Support, SSI, Retirement and/or Disability, Wages, Parental Support and Student Financial Aid. ALL APPLICATIONS ARE SUBJECT TO OWNER APPROVAL!
Facts & features
The home at a glance
5
Bedrooms
2.5
Bathrooms
1,654
Sqft
0.13 ac
Lot size
1947
Year built
Two
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$189 /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
$189/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $368
Days on market
104 vs 73 typical
Where $2/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 Central 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 →
Central Beach — neighborhood snapshot
Population
1,843
Median age
62
Median income
$83,678
Median home value
$521,411
Avg household
2
Households w/ children
88%
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)
219 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 99% 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 109 N PENINSULA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$507,500
806 E 2ND AVENUE
4 bd · 2 ba · 1,628 sqft · $312/sqft · 522 DOM
Sold · Oct ’25$750,000
813 E 13TH AVENUE
4 bd · 2 ba · 1,507 sqft · $498/sqft · 307 DOM
Sold · Jun ’26$1,200,000
500 S RIVERSIDE DRIVE
4 bd · 3 ba · 1,905 sqft · $630/sqft · 167 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 109 N PENINSULA AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 N PENINSULA AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
109 N PENINSULA AVENUE FAQs
What would the monthly payment be for 109 N PENINSULA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $189/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 109 N PENINSULA AVENUE?+
The listing reports pets: Breed Restrictions, 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 $4,000, this home is listed about 99% 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 109 N PENINSULA AVENUE?+
Coronado Beach 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.
The brief
Three things that matter here
01Under the NEW SMYRNA BEACH 32169 market on paper
$4,000 is 99% below the NEW SMYRNA BEACH 32169 median of $539,900, and at $2/sqft it sits under the New Smyrna Beach average of $427.
02Strong assigned schools
Coronado Beach Elementary School, New Smyrna Beach Middle School, New Smyrna Beach High School — Coronado Beach Elementary School rates 5 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $5,825, now $4,000 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RIGHTHOUSE REALTY LLC · Tim Schmidt. MLS #O6405898.
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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