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List Price

$649,000

527 Peninsula, New Smyrna Beach, FL 32169

58 days on market

Estimated Payment

$4,831/mo

20% down and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,800 Square FeetYear builtBuilt 1964

Listed by

Pete Klironomos

SALTY CITY REALTY

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SUBJECT IS A 3 BEDROOM | 2 BATHROOM DWELLING WITH A SINGLE CAR GARAGE CONSTRUCTED OF CB/STUCCO SHELTERED BY A COMPOSITE SHINGLE ROOFING SYSTEM (2016 RE-ROOF WITH A 2026 ROOF MAXX APPLIED SHINGLE COATING PROTECTING AND EXTENDING THE EXISTING ROOFING MATERIALS' LIFE-SPAN). THE HOME HAS BEEN NICELY RENOVATED WITH WELL PRESERVED AND REVITALIZED TERRAZZO FLOORING, INTERIOR REPAINTING, TILE SURFACES, ALONG WITH STONE COUNTER-TOP SURFACES WITHIN THE KITCHEN AND BATHROOMS. ALL APPLIANCES SHALL CONVEY WITH THE SUBJECT INCLUDING THE WASHER & DRYER UNITS LOCATED WITHIN THE 300 SF GARAGE. THE REAR OF THE SUBJECT HAS AN EXTENDED ROOF COVERING OVER THE OUTDOOR COMPOSITE DECKING SURFACES THAT IS COMPRISED OF CLEAR SPAN CORRUGATED TRANSLUCENT PANELS ALLOWING NATURAL LIGHT IN, WHILE KEEPING INCLEMENT WEATHER OUT. THE OVERHEAD EXTENDED ROOFING SYSTEM IS FURTHER ENHANCED WITH DURABLE OUTDOOR TRANSPARENT WEATHER DRAPING THAT SURROUNDS THIS PRIVATE SPACE FOR RAIN AND WIND PROTECTION. THE HOME MAINTAINS PLENTY OF UPDATED LED STYLED LIGHTING AND CEILING FANS, BOTH WITHIN AND OUTSIDE OF THE SUBJECT. THE HOME HAS A FLORIDA ROOM AT THE REAR OF THE STRUCTURE OFFERING A NICE VIEW OF THE SERENE EXTERIOR AREAS OF THE PROPERTY ALONG WITH CLIMATIZED AIR QUALITY/VENTILATION VIA ITS MINI-SPLIT SYSTEM.

527 Peninsula, New Smyrna Beach, FL 32169 in New Smyrna Beach, FL 32169 is listed for $649,000. The home has 3 bedrooms, 2 bathrooms, and 1,800 square feet, and was built in 1964. Listed 58 days ago. The listing is held by SALTY CITY REALTY.

32169 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$9,332 (tax year 2026)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $129,800

$

$4,831/moest.

  • Principal & Interest 73%
  • Property Taxes 16%
  • Insurance 11%
Principal & Interest
$3,512
Property Taxesfrom listing
$778
Insurance
$541

30-year fixed at 7.164%, as of November 10, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $4,831, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $9,332 for tax year 2026. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR811697682. HomeJam is not the listing broker.

List Price

$649,000

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