420 SMITH ROAD, OSTEEN, FL, 32764
Active14 days on marketListed Sep 28, 2026MLS #O6445296
About this home
420 SMITH ROAD
Virtually Staged. Welcome to your private country retreat in Osteen, Florida, where 10 pristine acres offer peace, privacy and room to enjoy the Florida lifestyle. This lovingly maintained property is gated and fully fenced, with community boat-launch access to the St. Johns River—perfect for boating, fishing and outdoor adventures. Bring your horses, cattle and ATVs—there is plenty of room to ride, roam and make this beautiful property your own. The two-bedroom, two-bath home features a 2022 roof, A/C, water heater and stainless steel appliances, along with a deep well. Expansive covered, screened-in patios extend the living space outdoors and provide the perfect setting for relaxing or entertaining while enjoying the peaceful surroundings. The impressive 72-by-50-foot pole barn features 16-foot ceilings, spray-foam insulation, air conditioning and heat, a six-inch concrete slab, one 14½-foot roll-up door and three 10-foot roll-up doors, providing abundant space for boats, RVs, vehicles, equipment and all your toys. Complete with an additional bedroom and bathroom, full kitchen, washer and dryer, this versatile building offers endless possibilities for entertaining, hosting events, creating a workshop or pursuing a home-based business. A charming gazebo overlooks the 12- to 14-foot-deep stocked pond, creating a serene setting to relax and unwind. A large covered carport provides even more protected parking and storage. Enjoy the best of both worlds—peaceful country living with Florida’s East Coast beaches, Port Canaveral and Space Coast adventures within easy reach. From quiet mornings beside the pond to evenings watching rockets launch from Cape Canaveral, this one-of-a-kind property offers the space and freedom to create the lifestyle you have been dreaming of.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,232
Sqft
10 ac
Lot size
8
Garage
2022
Year built
One
Levels
$567
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.
$4,484 /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
$4,484/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.
vs edgeAI estimate
+65.4%
$/sqft vs Osteen actives
$567 vs $231
Days on market
14 vs 88 typical
Where $567/sqft sits among the 33 Osteen 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 Osteen
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Osteen. See the full Osteen guide →
OSTEEN 32764 — neighborhood snapshot
Population
2,744
Median age
54.9
Median income
$84,242
Median home value
$328,200
Avg household
2.33
Households w/ children
257
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Osteen market
$291K → $313K
Osteen median sold, yr/yr
95.4%
Sale-to-list ratio (12 mo)
19 of 33
Osteen actives have cut their price
Median sold price, Osteen, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 126% above the OSTEEN 32764 median. See the full Osteen market guide →
Paper trail
This home's history
Reality check
What actually sold near 420 SMITH ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$875,000
171 RIVER OAKS DRIVE
3 bd · 3 ba · 2,250 sqft · $389/sqft · 163 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 420 SMITH ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 420 SMITH ROAD — 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
420 SMITH ROAD FAQs
What would the monthly payment be for 420 SMITH ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,484/mo — principal and interest, the actual property-tax bill, the $25/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 420 SMITH ROAD?+
The association fee works out to $25 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 420 SMITH ROAD?+
The most recent tax bill on record (2025) was $3,181. 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 420 SMITH ROAD?+
The listing reports pets: Yes. 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 Osteen?+
At $699,000, this home is listed about 104% above the Osteen median of $342,000. The market section on this page shows how the area is trending.
Which schools are assigned to 420 SMITH ROAD?+
Osteen Elementary School (elementary), Pine Ridge High School (high), Heritage Middle School (middle) — Volusia County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CALL IT CLOSED INTL REALTY · Kathleen Harrison. MLS #O6445296.
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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