650 S PINE STREET, NEW SMYRNA BEACH, FL, 32169
Pending270 days on marketListed Nov 15, 2025MLS #V4945933
About this home
650 S PINE STREET
NEW PRICE: $574,000! MOTIVATED SELLERS! Your dream beachside lifestyle just became an unbeatable reality. The sellers are highly motivated and have priced this home for an immediate sale, offering you a rare chance to own a slice of paradise at a major value. Experience the pinnacle of coastal living in this highly sought-after, golf-cart-friendly New Smyrna Beachside community, located just blocks from the surf, the vibrant energy of Flagler Avenue, and the historic charm of Canal Street. This 3-bedroom, 2-bathroom gem offers the perfect balance of relaxation and convenience, making it the ultimate coastal retreat. Inside, the bright and airy layout features an intelligent split-bedroom floor plan and a streamlined kitchen that flows into a massive dining area, perfect for hosting family dinners after a day at the beach. Enoy the sunrise from the versatile, full-length Florida Room that provides an incredible bonus space ready to become your ultimate private gym, home office, or a vibrant game room with plenty of space for activities. The private owner’s suite serves as its own oasis, boasting a custom California closet and direct exterior access to the backyard. Step through the French doors into your private backyard paradise, which is an outdoor entertainer’s dream. Built for effortless entertaining, the exterior features a custom paver patio and a covered tiki bar with an outdoor kitchen, alongside two storage sheds to easily tuck away your surfboards and beach gear. You will also enjoy ultimate peace of mind with premium upgrades, including a brand-new 2025 metal roof, new gutters, upgraded insulation, a whole-house generator, a tankless water heater, and a newer AC system. At $574,000 this turnkey coastal haven will not last long. The owners are ready to make a deal, so schedule your private showing today and bring your offer!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,426
Sqft
0.15 ac
Lot size
1957
Year built
One
Levels
$403
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.
$3,644 /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
$3,644/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
−13.3%
$/sqft vs New Smyrna Beach actives
$403 vs $354
Days on market
270 vs 70 typical
Where $403/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)
213 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 11% 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 650 S PINE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$613,000
645 GOODWIN AVENUE · same community
3 bd · 3 ba · 1,340 sqft · $457/sqft · 17 DOM
Sold · Feb ’26$810,000
724 S COOPER STREET · same community
2 bd · 2 ba · 1,573 sqft · $515/sqft · 204 DOM
Sold · Mar ’26$518,000
638 S PINE STREET · same community
3 bd · 2 ba · 1,269 sqft · $408/sqft · 116 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 650 S PINE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 650 S PINE STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
650 S PINE STREET FAQs
What would the monthly payment be for 650 S PINE STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,644/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 650 S PINE STREET?+
The most recent tax bill on record (2024) was $2,053. 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 New Smyrna Beach?+
At $574,000, this home is listed about 11% above the New Smyrna Beach median of $515,350. The market section on this page shows how the area is trending.
Which schools are assigned to 650 S PINE STREET?+
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
Four things that matter here
01Positioned at the premium end
$574,000 runs 11% above the NEW SMYRNA BEACH 32169 median.
02Time on market is leverage
270 days on market against a New Smyrna Beach median of 70 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $619,000, now $574,000 — a $45K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GLORY INTL. REAL ESTATE CO · Tommy Roberts. MLS #V4945933.
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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