Kerry Perro
$3,499,0003 bd3 ba1,608 sqft$2,176 /sqft$22,117 /mo all-in ↓

921 N ATLANTIC AVENUE, NEW SMYRNA BEACH, FL, 32169

Active1 days on marketListed Aug 14, 2026MLS #V4950551

WaterfrontFully furnishedSingle Family ResidenceBOARDWALK 09-17-34

Come see it

Upcoming open house

Sun, Aug 16

1:00 PM – 3:00 PM

Daily rentals permitted at this oceanfront beauty! Plus, it's on a double lot.

About this home

921 N ATLANTIC AVENUE

Luxury. Legacy. Location. The Mermaid Oceanfront House is a once-in-a-generation offering, set on a rare double oceanfront lot with *100 feet* of direct Atlantic frontage. Cherished by only two owners since it was built, this estate also permits *daily rentals*—an exceptionally rare privilege for a private oceanfront home. Whether envisioned as a legacy estate, an exclusive family retreat, or a luxury vacation rental with income potential, opportunities of this caliber are rarely available. Built on pilon construction, this classic seaside ranch embodies the charm of Old Florida with a relaxed Key West-inspired architecture, featuring sea foam colored lap siding, a welcoming covered entry, and a casual island aesthetic. Offered fully furnished, the home features three spacious bedrooms, each with breathtaking ocean views, and three beautifully appointed bathrooms, creating an ideal setting for family, guests, or vacation renters. Enter through the circular paver driveway and step into an expansive great room where floor-to-ceiling walls of glass frame the Atlantic and flood the living and dining areas with natural light. A striking whitewashed wood ceiling adds warmth, texture, and authentic coastal character, creating a seamless connection between the indoors and the ocean beyond. The light-filled kitchen beautifully captures the essence of coastal living, offering tranquil ocean views right from the kitchen sink. Soft seafoam-green cabinetry, accented with charming turtle-inspired hardware, sets a relaxed yet refined coastal tone. An impressive 11-foot center island, complemented by beach-inspired pendant lighting, anchors the space and provides generous room for gathering, entertaining and everyday living. Thoughtfully designed for both beauty and function, this inviting kitchen brings the coastal lifestyle into every detail. The thoughtfully designed floor plan embraces effortless indoor-outdoor living, where sea breezes, endless horizons, and the soothing sound of the surf become part of everyday life. Wake to spectacular sunrises from every bedroom, entertain just steps from the sand, or unwind while taking in panoramic ocean views that define this remarkable coastal retreat. The 100-foot oceanfront parcel is one of the property’s most extraordinary features. Double oceanfront lots are exceptionally scarce, offering unmatched privacy, expanded outdoor living, and exceptional flexibility for future expansion or redevelopment. Combined with the rare ability to permit daily rentals, this property stands in a class of its own appealing to those seeking both an extraordinary oceanfront lifestyle and a premier investment opportunity. Beyond this extraordinary estate lies the timeless charm of New Smyrna Beach, consistently recognized as one of Florida’s most desirable coastal destinations. From its vibrant downtown filled with award-winning restaurants, art galleries, boutique shopping, and year-round festivals to its miles of pristine beaches and laid-back coastal lifestyle, New Smyrna Beach offers an unmatched blend of sophistication and authenticity. Whether enjoying world-class surfing, boating, fishing, or simply embracing the relaxed rhythm of life by the sea, this remarkable community is as captivating as the home itself.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

1,608

Sqft

0.41 ac

Lot size

1977

Year built

One

Levels

$2,176

Per sqft

WaterfrontFurnished

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Vaulted Ceiling(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofShingle
ConstructionHardiPlank Type
FoundationPillar/Post/Pier · Stilt/On Piling
FacesWest
ParkingCircular Driveway · Driveway
ExteriorBalcony · Private Entrance · Private Mailbox

Community & fees

Taxes (2025)$21,177/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · 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.

$22,117 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$18,880
PMI (est., until 20% equity)$1,312
Property tax — 2025 actual bill$1,765
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $349,900Loan30-yr fixed at 6%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% · $349,900
Interest rate6.00%
Loan term

Estimated payment

$22,117/mo

Principal & interest$18,880
PMI (est., until 20% equity)$1,312
Property taxes (actual bill)$1,765
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.

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.

$/sqft vs New Smyrna Beach actives

$2,176 vs $373

Days on market

1 vs 72 typical

Where $2,176/sqft sits among the 400 New Smyrna Beach actives

294
80
18
6
0
2 · this home
$177–510$510–843$843–1177$1177–1510$1510–1843$1843+

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

Map of 921 N ATLANTIC AVENUE inside its neighborhood boundary

Drive times from this address

Downtown Orlando69 min

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

ElementaryCoronado Beach Elementary School★★★★★
MiddleNew Smyrna Beach Middle School★★★★★
HighNew Smyrna Beach High School★★★★★

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

The numbers that matter

The New Smyrna Beach market

Seller’s marketBalanced5.2 months of inventoryBuyer’s market

$448K$424K

New Smyrna Beach median sold, yr/yr

95.6%

Sale-to-list ratio (12 mo)

216 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 566% above the NEW SMYRNA BEACH 32169 median. See the full New Smyrna Beach market guide →

Paper trail

This home's history

Aug 14, 2026Listed at $3,499,000 · 1 days on market since
1977Built · BOARDWALK 09-17-34

Reality check

What actually sold near 921 N ATLANTIC AVENUE

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

218 KIRKLAND ROADSold · Apr ’26

$880,000

218 KIRKLAND ROAD · same community

2 bd · 2.5 ba · 1,616 sqft · $545/sqft · 181 DOM

315 CRAWFORD ROADSold · May ’26

$862,500

315 CRAWFORD ROAD · same community

3 bd · 2 ba · 1,392 sqft · $620/sqft · 18 DOM

206 KIRKLAND ROADSold · Jan ’26

$945,000

206 KIRKLAND ROAD · same community

4 bd · 3 ba · 1,940 sqft · $487/sqft · 51 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.

Kerry Perro

Your agent

Kerry Perro

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 921 N ATLANTIC AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 921 N ATLANTIC AVENUE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Kerry's phone and CRM.

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Straight answers

921 N ATLANTIC AVENUE FAQs

What would the monthly payment be for 921 N ATLANTIC AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $22,117/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 921 N ATLANTIC AVENUE?+

The most recent tax bill on record (2025) was $21,177. 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 $3,499,000, this home is listed about 566% above the New Smyrna Beach median of $525,000. The market section on this page shows how the area is trending.

Which schools are assigned to 921 N ATLANTIC AVENUE?+

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

$3,499,000 runs 566% above the NEW SMYRNA BEACH 32169 median.

02Waterfront living

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

03Fresh on the market

Only 1 day on market in a New Smyrna Beach market that averages 72 — if it fits, move quickly.

04Strong 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.

Listing courtesy of OCEANS LUXURY REALTY FULL SVC · Lori Brigley. MLS #V4950551.

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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