CENTURY 21 Edge
$1,200,0004 bd2.5 ba2,281 sqft$526 /sqft≈$8,877 /mo all-in ↓

130 REEF ROAD, SOUTH DAYTONA, FL, 32119

Active127 days on marketListed Jul 3, 2026MLS #V4949816

WaterfrontPrivate poolSingle Family ResidencePALM HARBOR ESTATES

About this home

130 REEF ROAD

125ft direct water frontage on the Intracoastal Waterway (ICW). Deep water access 6ft draft. Deep water Chanel to main Chanel on ICW is one house north of dock. No flooding in main house during all hurricanes. Main house 9’ above sea level. 4th bedroom is at 8’ above sea level. Sliding glass door was removed, a wall was built and picture window was put in to stop any water intrusion in lower 4th bedroom! Roof June 2021. Outside AC unit June 2021. Inside AC Air Sept 2017. Electric updated 2023, including hard wired electrical outlet for generator in gazebo. This is a rare opportunity for 125’ w/private covered boat lift (up to 16,000 lbs) w/electric &water. The walk-around deck with fishing/sitting area of 13’x16’ also includes a fish cleaning station and pull up ladder. The cutout for boat is 14’ wide & 30’ long. Inside the home provides views of the water and across to Daytona Beach Shores. You can see dolphins swimming from almost every room in the house. Back yard faces East allowing the Atlantic SeaBreeze to cool you down and keep pesky bugs away. Wake up to beautiful sunrises over the shimmering water. Enjoy the evenings watching the moon come up over the water. The sea turtles, dolphins, manatees, rays and waterfowl play right o? the dock. Watch the Cape Canaveral Space launches while sipping your drink. Enjoy time on the dock catching/ releasing all types of fish and sea life. Due to the lay of the land, the panoramas views on the river are incredible! Check out the photos. View the Daytona Slingshot on the Main Street Pier to the north down to the Port Orange Bridge and beyond to the south. Custom made solid wood kitchen cabinets, no MDF or particleboard ANYWHERE in this kitchen. All appliances are Bosch stainless steel including convection oven/microwave. Easy to clean solid surface Corian countertops. All cabinets are deeper and taller than standard cabinets. Bottom cabinets are 39” high. Two pantries are 88” high & 31.5” deep with roll out drawers. Cabinet above refrigerator is 21” high & 31.5” deep which is perfect for seasonal dishes & small appliances. Dishwasher is 18.5” above the floor with a drawer underneath. Original solid wood flooring in main house area. Original terrazzo in Family Room with electric hurricane shutters. Third bedroom has the original cedar plank walls. Fourth bedroom has built-in cabinets, vinyl Waynes Coating, Luxury Vinyl Plank flooring, large picture window & a half bath. Privacy hedge, Canary Date Palms, Pigmy Date Palm, Queen Palms, and much more add to the beauty of the landscaping. Deep well with full irrigation system keeps plants and grass happy. Gazebo (14’x9’) can be used for a multitude of uses; bands, parties or just relaxing to take in the views.Build up or out to make it your own.

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,281

Sqft

0.36 ac

Lot size

2

Garage

1962

Year built

Multi/Split

Levels

$526

Per sqft

Private poolWaterfrontPool & Water view

Inside

FlooringCeramic Tile · Luxury Vinyl · Hardwood
AppliancesBar Fridge · Convection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Chair Rail · Crown Molding · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Thermostat
LaundryIn Garage
CoolingCentral Air
HeatingElectric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationCrawlspace
ViewPool · Water
FacesWest
ParkingBoat · Driveway · Garage Door Opener · RV Parking
ExteriorFire Pit · Hurricane Shutters · Irrigation System · Lighting · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$8,582/yr

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Sprinkler Well · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$8,877 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$7,552
PMI (est., until 20% equity)$450
Property tax — 2025 actual bill$715
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $120,000Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $120,000
Interest rate7.50%
Loan term

Estimated payment

$8,877/mo

Principal & interest$7,552
PMI (est., until 20% equity)$450
Property taxes (actual bill)$715
Est. insurance$160

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.

List $1.2M
$435KedgeAI estimate $503,438 · range $453K–$554K$1.2M

vs edgeAI estimate

+138.4%

$/sqft vs South Daytona actives

$526 vs $207

Days on market

127 vs 51 typical

Where $526/sqft sits among the 53 South Daytona actives

18
23
10
2
0
0 · this home
$111–180$180–249$249–319$319–388$388–457$457+

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 South Daytona

Drive times from this address

Downtown Orlando≈ 58 min
Universal Orlando≈ 71 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know South Daytona. See the full South Daytona guide →

SOUTH DAYTONA 32119 — neighborhood snapshot

Population

22,348

Median age

48.4

Median income

$56,862

Median home value

$236,200

Avg household

2.03

Households w/ children

2,002

For the school run

Volusia County School District

ElementarySugar Mill Elementary School★★★★★
HighAtlantic High School★★★★★
MiddleCampbell Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The South Daytona market

Seller’s marketBalanced — 5.2 months of inventoryBuyer’s market

$255K → $315K

South Daytona median sold, yr/yr

96.0%

Sale-to-list ratio (12 mo)

32 of 53

South Daytona actives have cut their price

Median sold price, South Daytona, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 382% above the SOUTH DAYTONA 32119 median. See the full South Daytona market guide →

Paper trail

This home's history

Jul 3, 2026Listed at $1,200,000 · 127 days on market since
1962Built · PALM HARBOR ESTATES

Reality check

What actually sold near 130 REEF ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1115 PENNSYLVANIA AVENUESold · Oct ’26

$475,000

1115 PENNSYLVANIA AVENUE · same community

2 bd · 2 ba · 2,128 sqft · $223/sqft · 207 DOM

1310 NEW YORK AVENUESold · Jul ’26

$465,000

1310 NEW YORK AVENUE · same community

3 bd · 2 ba · 1,601 sqft · $290/sqft · 0 DOM

150 REEF ROADSold · Dec ’25

$255,000

150 REEF ROAD · same community

3 bd · 2 ba · 1,520 sqft · $168/sqft · 63 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.

Kyler Lang

Your agent

Kyler Lang

REALTOR · CENTURY 21 Edge

Tours, negotiation, and every question about 130 REEF ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 130 REEF ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from Kyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

130 REEF ROAD FAQs

What would the monthly payment be for 130 REEF ROAD?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $8,877/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 130 REEF ROAD?+

The most recent tax bill on record (2025) was $8,582. 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 South Daytona?+

At $1,200,000, this home is listed about 363% above the South Daytona median of $259,000. The market section on this page shows how the area is trending.

Which schools are assigned to 130 REEF ROAD?+

Sugar Mill Elementary School (elementary), Atlantic High School (high), Campbell Middle School (middle) — 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

$1,200,000 runs 382% above the SOUTH DAYTONA 32119 median — but at 2,281 sqft it's also nearly twice the size of the typical South Daytona listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

127 days on market against a South Daytona median of 51 — sellers in this position are usually ready to negotiate.

Listing courtesy of ADAMS, CAMERON & CO., REALTORS. MLS #V4949816.

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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