110 SURF STREET, NEW SMYRNA BEACH, FL, 32169
Active15 days on marketListed Oct 23, 2026MLS #O6452369
About this home
110 SURF STREET
COASTAL LUXURY JUST STEPS FROM THE BEACH! Discover this beautifully remodeled 3-bedroom, 3-bathroom beach retreat, offering 2,288 square feet of stylish living space in desirable North Beach, New Smyrna Beach! Situated on an elevated natural dune in Flood Zone X, this move-in-ready home features fresh interior and exterior paint, new luxury vinyl flooring, new shutters, impact-resistant windows, and a metal roof. The bright, open floor plan features vaulted ceilings and a beautifully updated kitchen with quartz countertops, stainless steel appliances, and plenty of cabinet space. The spacious primary suite opens to an expansive Trex deck, perfect for enjoying coastal breezes, while the upper-level guest suite features a wet bar and covered balcony. Enjoy inviting outdoor spaces, a private courtyard, and a two-car garage. Just moments from the sandy shores of the Atlantic Ocean, Smyrna Dunes Park, and the vibrant shops and restaurants of Flagler Avenue! Whether you're searching for a primary residence, vacation getaway, or coastal investment, this stunning beachside home offers the perfect blend of comfort, style, and location. Your beach lifestyle starts here!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,288
Sqft
0.16 ac
Lot size
1988
Year built
Two
Levels
$474
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.
$8,030 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$8,030/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.
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
−16%
$/sqft vs New Smyrna Beach actives
$474 vs $363
Days on market
15 vs 80 typical
Where $474/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
$438K → $478K
New Smyrna Beach median sold, yr/yr
95.8%
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 81% above 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 110 SURF STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$1,032,000
2014 N PENINSULA AVENUE
3 bd · 3 ba · 2,282 sqft · $452/sqft · 2 DOM
Sold · Jun ’26$1,050,000
701 N ATLANTIC AVENUE UNIT 203
3 bd · 3 ba · 2,176 sqft · $483/sqft · 39 DOM
Sold · Dec ’25$900,000
216 OCEAN DRIVE
3 bd · 2.5 ba · 2,402 sqft · $375/sqft · 282 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 110 SURF STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 110 SURF STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
110 SURF STREET FAQs
What would the monthly payment be for 110 SURF STREET?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $8,030/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 110 SURF STREET?+
The most recent tax bill on record (2025) was $7,622. 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 110 SURF STREET?+
The listing reports pets: Cats OK, Dogs OK, 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 New Smyrna Beach?+
At $1,085,000, this home is listed about 98% above the New Smyrna Beach median of $549,000. The market section on this page shows how the area is trending.
Which schools are assigned to 110 SURF STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of EPIQUE REALTY INC. · Antonella Martino. MLS #O6452369.
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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