2045 S PENINSULA DRIVE, DAYTONA BEACH, FL, 32118
Pending31 days on marketListed Jul 9, 2026MLS #O6423192
About this home
2045 S PENINSULA DRIVE
Virtually Staged. Experience the charm of beachside living in this beautifully updated 3-bedroom, 2-bath coastal cottage, ideally located between the Halifax River (Intracoastal Waterway) and the Atlantic Ocean in Daytona Beach. Built in 1937, this timeless home blends historic character with today's most important updates while offering the relaxed coastal lifestyle so many buyers are searching for. Offering 1,749 square feet of living space, this home sits on an impressive 100' x 191' oversized lot, providing exceptional outdoor space rarely found this close to the beach. Whether you envision adding a pool, expanding outdoor entertaining areas, creating lush tropical gardens, or simply enjoying the privacy, this property offers endless possibilities. Recent improvements provide peace of mind, including a new roof (2025), updated electrical (2026), and updated plumbing (2026). Inside, you'll appreciate the warmth of original architectural details combined with comfortable living spaces filled with natural light. Large windows, inviting gathering areas, and a welcoming beach-house atmosphere make this home ideal as a full-time residence, vacation retreat, or investment property. Spend your mornings watching the sunrise over the Atlantic Ocean and your evenings enjoying spectacular sunsets along the Halifax River. You're just minutes from sandy beaches, boating, fishing, waterfront parks, local restaurants, shopping, and everything that makes Daytona Beach's beachside community so desirable. If you've been searching for a historic beach cottage, a home near the Intracoastal Waterway, or a coastal property with an oversized lot and major system updates, this exceptional opportunity deserves your attention. Come experience the charm, location, and lifestyle that only beachside living can give.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,493
Sqft
0.44 ac
Lot size
1
Garage
1937
Year built
Two
Levels
$278
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.
$2,930 /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
$2,930/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
+58.3%
Days on market
31 vs 58 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 Daytona Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Daytona Beach. See the full Daytona Beach guide →
DAYTONA BEACH 32118 — neighborhood snapshot
Population
18,075
Median age
59.4
Median income
$60,418
Median home value
$339,500
Avg household
1.83
Households w/ children
976
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Daytona Beach market
$262K → $268K
Daytona Beach median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
Median sold price, Daytona Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% above the DAYTONA BEACH 32118 median. See the full Daytona 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2045 S PENINSULA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2045 S PENINSULA 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
2045 S PENINSULA DRIVE FAQs
What would the monthly payment be for 2045 S PENINSULA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,930/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 2045 S PENINSULA DRIVE?+
The most recent tax bill on record (2025) was $1,721. 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 Daytona Beach?+
At $415,000, this home is listed about 43% above the Daytona Beach median of $290,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2045 S PENINSULA DRIVE?+
R. J. Longstreet Elementary School (elementary), Atlantic High School (high), Silver Sands Middle School (middle) — Volusia County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of SHELL REALTY · Michelle Cecchini. MLS #O6423192.
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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