4790 MICHAEL LANE, PONCE INLET, FL, 32127
Active11 days on marketListed Oct 27, 2026MLS #O6452286
About this home
4790 MICHAEL LANE
CHARMING COASTAL POOL HOME! Enjoy coastal living in this 3-bedroom, 2-bath home in desirable Ponce Inlet, featuring a PRIVATE POOL, ORGANIC GROUNDS, SPLIT-BEDROOM FLOOR PLAN, and EXTENSIVE RECENT UPDATES. Major improvements include NEW CUSTOM WINDOWS, NEW HVAC AND DUCTWORK, NEW SIDING, NEW GUTTERS, and FRESH PAINT. Additional updates include a custom hurricane-rated front door, new soffit, new electric, rebuilt chimney, aluminum fencing with locking gates, and a new septic field in 2025. The split-bedroom layout provides added privacy, while custom French doors in the primary bedroom open directly to the pool area. The guest wing also offers convenient access to the pool deck. The open living and dining areas connect to a kitchen featuring custom oak cabinetry and a large granite bar ideal for casual meals and gathering with friends and family. Spacious bedrooms provide natural light and a wood-burning fireplace adds character. Outside, mature landscaping, pesticide-free grounds, and an open-air pool create an inviting setting to enjoy the Florida sunshine. A 2-CAR GARAGE provides additional convenience and storage. Located just minutes from Ponce Inlet's beaches, parks, and local dining, this property combines significant recent improvements, distinctive character, and the relaxed coastal lifestyle buyers seek.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,876
Sqft
0.25 ac
Lot size
2
Garage
1988
Year built
One
Levels
$299
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.
$4,788 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,788/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−8.1%
$/sqft vs Ponce Inlet actives
$299 vs $385
Days on market
11 vs 48 typical
Where $299/sqft sits among the 47 Ponce Inlet 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 Ponce Inlet
Get to know Ponce Inlet. See the full Ponce Inlet guide →
PONCE INLET 32127 — neighborhood snapshot
Population
29,612
Median age
53.5
Median income
$71,676
Median home value
$340,900
Avg household
2.23
Households w/ children
2,833
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ponce Inlet market
$655K → $525K
Ponce Inlet median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
21 of 47
Ponce Inlet actives have cut their price
Median sold price, Ponce Inlet, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% above the PONCE INLET 32127 median. See the full Ponce Inlet market guide →
Paper trail
This home's history
Reality check
What actually sold near 4790 MICHAEL LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$815,000
4205 S ATLANTIC AVENUE UNIT F4 · same community
2 bd · 3 ba · 1,530 sqft · $533/sqft · 6 DOM
Sold · Jun ’26$805,000
65 CALUMET AVENUE · same community
3 bd · 2.5 ba · 2,232 sqft · $361/sqft · 425 DOM
Sold · Aug ’26$1,110,000
4203 S ATLANTIC AVENUE UNIT A1 · same community
2 bd · 2.5 ba · 1,508 sqft · $736/sqft · 49 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4790 MICHAEL LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4790 MICHAEL LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4790 MICHAEL LANE FAQs
What would the monthly payment be for 4790 MICHAEL LANE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,788/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 4790 MICHAEL LANE?+
The most recent tax bill on record (2025) was $6,423. 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 Ponce Inlet?+
At $560,000, this home is listed about 23% below the Ponce Inlet median of $725,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4790 MICHAEL LANE?+
Spruce Creek High School (high), Silver Sands Middle School (middle), R. J. Longstreet Elementary School (elementary) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$560,000 runs 40% above the PONCE INLET 32127 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Spruce Creek High School, Silver Sands Middle School, R. J. Longstreet Elementary School — Spruce Creek High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ORCHARD BROKERAGE, LLC · Jamey Briscoe. MLS #O6452286.
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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