Kat Bonelli
$2,500,000≈$16,501 /mo all-in ↓

4861 S ATLANTIC AVENUE, PONCE INLET, FL, 32127

Active129 days on marketListed Apr 2, 2026MLS #NS1087830

WaterfrontCOASTAL OAKS ESTATES

About this home

4861 S ATLANTIC AVENUE

HUGE OCEANFRONT 1.48 ACRE PARCEL WITH 124' OF DIRECT FRONTAGE ON THE PRISTINE “NO DRIVE” SUGAR SAND BEACH IN THE HIGHLY SOUGHT AFTER COASTAL COMMUNITY OF PONCE INLET — WHERE NATURAL BEAUTY, TRANQUILITY & COASTAL CHARM COME TOGETHER LIKE NOWHERE ELSE!! Large oceanfront lots of this width and size are extremely limited. Build your coastal dream home and invest in an exclusive opportunity. This slice of paradise represents a prestigious awe-inspiring lifestyle and a smart long-term investment. Take advantage of an extraordinary option to acquire the adjacent oceanfront lot (4863 S. Atlantic Ave. - MLS #1224785) which is also for sale! Build your legacy coastal estate cherished for generations to come! See amazing sunrises, wake up to the sound of the waves, feel the ocean breeze & smell the salt air every day! Ponce Inlet is a nature lover's dream known for its pristine white sugar sand "no drive" beaches, scenic beauty & small town coastal-inspired atmosphere. Walk or bike to the historic Ponce Inlet Lighthouse & Jetty Park, Marine Science Center, waterfront restaurants with entertainment, charter fishing, boating, marinas, surfing, kayak/canoe, parks, nature preserves, museums, dog park/beach & more!! Contact us today for more details or to schedule your private tour of this awesome property.

Facts & features

The home at a glance

1.48 ac

Lot size

WaterfrontWater view

Inside

Outside & construction

ViewWater

Community & fees

Taxes (2025)$22,958/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Phone Available · Sewer Available · Water Available
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.

$16,501 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$13,490
PMI (est., until 20% equity)$938
Property tax — 2025 actual bill$1,913
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $250,000Loan30-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

Get my real numbersCall

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% · $250,000
Interest rate6.00%
Loan term

Estimated payment

$16,501/mo

Principal & interest$13,490
PMI (est., until 20% equity)$938
Property taxes (actual bill)$1,913
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.

Where it sits

Inside Ponce Inlet

Map of 4861 S ATLANTIC AVENUE

Get to know Ponce Inlet. See the full Ponce Inlet guide →

PONCE INLET 32127 — neighborhood snapshot

Population

28,430

Median age

53.6

Median income

$65,260

Median home value

$301,800

Avg household

2.18

Households w/ children

2,656

For the school run

Volusia County School District

ElementaryPort Orange Elementary School★★★★★
MiddleSilver Sands Middle School★★★★★
HighSpruce Creek High School★★★★★

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

The numbers that matter

The Ponce Inlet market

Seller’s marketLeans buyer — 7.2 months of inventoryBuyer’s market

$616K → $612K

Ponce Inlet median sold, yr/yr

94.1%

Sale-to-list ratio (12 mo)

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

This home is listed 510% above the PONCE INLET 32127 median. See the full Ponce Inlet market guide →

Paper trail

This home's history

Apr 2, 2026Listed at $2,500,000 · 129 days on market since

Reality check

What actually sold near 4861 S ATLANTIC AVENUE

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

4799 S ATLANTIC AVENUE UNIT 502Sold · Dec ’25

$349,000

4799 S ATLANTIC AVENUE UNIT 502

2 bd · 2 ba · 999 sqft · $349/sqft · 2 DOM

30 INLET HARBOR ROAD UNIT 5030Sold · May ’26

$285,000

30 INLET HARBOR ROAD UNIT 5030

2 bd · 2 ba · 1,137 sqft · $251/sqft · 85 DOM

4790 S ATLANTIC AVENUE UNIT C303Sold · May ’26

$225,000

4790 S ATLANTIC AVENUE UNIT C303

2 bd · 2.5 ba · 1,190 sqft · $189/sqft · 88 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.

Kat Bonelli

Your agent

Kat Bonelli

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 4861 S ATLANTIC AVENUE — start here.

CallText
kathleen.bonelli@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4861 S ATLANTIC AVENUE — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

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

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Goes straight to Kat’s phone and CRM.

Straight answers

4861 S ATLANTIC AVENUE FAQs

What would the monthly payment be for 4861 S ATLANTIC AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,501/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 4861 S ATLANTIC AVENUE?+

The most recent tax bill on record (2025) was $22,958. 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 Ponce Inlet?+

At $2,500,000, this home is listed about 307% above the Ponce Inlet median of $615,000. The market section on this page shows how the area is trending.

Which schools are assigned to 4861 S ATLANTIC AVENUE?+

Port Orange Elementary School (elementary), Silver Sands Middle School (middle), Spruce Creek High School (high) — 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

$2,500,000 runs 510% above the PONCE INLET 32127 median.

02Waterfront living

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

03Strong assigned schools

Port Orange Elementary School, Silver Sands Middle School, Spruce Creek High School — Port Orange Elementary School rates 4 of 5. Always verify assignments with the district.

Keep looking

Similar homes nearby

4863 S ATLANTIC AVENUE

$2,400,000

4863 S ATLANTIC AVENUE, PONCE INLET

Listing courtesy of TEAM CARON REALTY · Diane Caron. MLS #NS1087830.

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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