4160 SADDLE CLUB DR, NEW SMYRNA BEACH, FL, 32168
Active2 days on marketListed Oct 8, 2026MLS #V4951711
About this home
4160 SADDLE CLUB DR
A rare opportunity in the exclusive gated equestrian community, Saddle Club Estates! A truly distinctive property offering the space, privacy, and flexibility rarely found this close to town. This 13.13-acre estate combines privacy, versatility, and an extraordinary amount of usable space. The updated 4-bedroom, 3-bath home offers approximately 2,076 square feet under air and features a remodeled kitchen, open-concept living, vaulted ceilings, tile flooring throughout, impact glass windows, and a brand-new air-conditioning system. An expansive screened outdoor living area overlooks the spacious pool and impressive grounds. For the car enthusiast, hobbyist, or buyer who simply needs serious space this property truly stands apart. The 6,000 sq ft air-conditioned steel "Motor Enclave", is approximately 100' x 60' allowing adequate room for a car or motorcycle collection, RVs, boats, ATVs, heavy equipment, or storage.An additional 1,200 sq ft covered open area further expands the functionality of the building. A separate 1,200 sq ft, 40' x 30' air-conditioned masonry garage/workshop/studio offers an additional 3-4 car capacity and additional space! Outdoor living is equally impressive with a fully stocked pond and gazebo, approximately 4.5 cleared acres, mature landscaping, and a peaceful estate setting. The property features a private gated entrance, perimeter fencing, irrigation, outdoor lighting, tree-lined driveway, and generous concrete parking areas, providing both privacy and everyday functionality. Recent improvements include 2023 metal roofs on the main residence, detached garage, and gazebo, along with the remodeled kitchen, impact windows, and new A/C. Just a short drive to the beautiful New Smyrna beaches, premier dining, shopping, I-4, I-95, and Orlando. Call today to schedule your private tour! All sizes approximate. All information deemed accurate but not guaranteed.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,076
Sqft
13.13 ac
Lot size
1995
Year built
One
Levels
$723
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.
$9,941 /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
$9,941/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
+138.5%
$/sqft vs New Smyrna Beach actives
$723 vs $364
Days on market
2 vs 102 typical
Where $723/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 New Smyrna 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 →
NEW SMYRNA BEACH 32168 — neighborhood snapshot
Population
30,688
Median age
54.9
Median income
$72,967
Median home value
$310,200
Avg household
2.15
Households w/ children
2,507
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 → $475K
New Smyrna Beach median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
237 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 290% above the NEW SMYRNA BEACH 32168 median. See the full New Smyrna Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 4160 SADDLE CLUB DR
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$875,000
204 EL PINO DRIVE
3 bd · 3 ba · 2,800 sqft · $313/sqft · 95 DOM
Sold · Aug ’26$950,000
4075 CRESTWOOD MANOR DRIVE
4 bd · 3.5 ba · 4,128 sqft · $230/sqft · 108 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4160 SADDLE CLUB DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4160 SADDLE CLUB DR — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4160 SADDLE CLUB DR FAQs
What would the monthly payment be for 4160 SADDLE CLUB DR?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,941/mo — principal and interest, the actual property-tax bill, the $38/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 4160 SADDLE CLUB DR?+
The association fee works out to $38 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4160 SADDLE CLUB DR?+
The most recent tax bill on record (2025) was $13,041. 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 4160 SADDLE CLUB DR?+
The listing reports pets: Cats OK, Dogs OK. 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 $1,500,000, this home is listed about 180% above the New Smyrna Beach median of $535,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4160 SADDLE CLUB DR?+
New Smyrna Beach High School (high), New Smyrna Beach Middle School (middle), Read-Pattillo 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
$1,500,000 runs 290% above the NEW SMYRNA BEACH 32168 median — but at 2,076 sqft it's also 25% larger than the typical New Smyrna Beach listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 2 days on market in a New Smyrna Beach market that averages 102 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX SIGNATURE · Mike Fiscina, PA. MLS #V4951711.
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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