3223 UMBRELLA TREE DRIVE, EDGEWATER, FL, 32141
Active10 days on marketListed Jul 9, 2026MLS #NS1088694
About this home
3223 UMBRELLA TREE DRIVE
Freshly painted and ready for its next owner, this 3-bedroom, 1-bath home has been truly loved and thoughtfully cared for since it was purchased in March 2020. Offering a spacious and functional layout, the home features a large living room, a separate dining area, and a bonus room that provides the perfect space for a home office, playroom, or flex area. Enjoy vinyl flooring throughout, newer windows, & sliding glass door leading to the screened-in patio, a one-car garage, and a fenced backyard. The roof, A/C, and water heater were all replaced in 2016. With its inviting spaces and well-maintained features, this home is ready to welcome its next chapter. Owners are proud to share that this home is high and dry, with no history of flooding.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,484
Sqft
0.18 ac
Lot size
1
Garage
1985
Year built
One
Levels
$175
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 — not generic estimates.
$1,992 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,992/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−9.7%
$/sqft vs FLORIDA SHORES 01
$175 vs $205
Days on market
10 vs 39 typical
Where $175/sqft sits among the 44 homes for sale in FLORIDA SHORES 01
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 Florida Shores
Drive times from this address
Get to know Edgewater. See the full Edgewater guide →
Florida Shores — neighborhood snapshot
Population
13,275
Median age
47
Median income
$58,578
Median home value
$253,859
Avg household
2
Households w/ children
1,359
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Edgewater market
$280K → $307K
Edgewater median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
24 of 44
FLORIDA SHORES 01 have cut their price
Median sold price, Edgewater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% below the EDGEWATER 32141 median. See the full Edgewater market guide →
Paper trail
This home's history
Reality check
What actually sold near 3223 UMBRELLA TREE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$210,000
3307 QUEEN PALM DRIVE · same community
4 bd · 2 ba · 1,452 sqft · $145/sqft · 88 DOM
Sold · Dec ’25$245,000
1627 UMBRELLA TREE DRIVE · same community
3 bd · 2 ba · 1,525 sqft · $161/sqft · 162 DOM
Sold · Dec ’25$140,000
2212 WOODLAND DRIVE · same community
3 bd · 2 ba · 1,430 sqft · $98/sqft · 23 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3223 UMBRELLA TREE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3223 UMBRELLA TREE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
3223 UMBRELLA TREE DRIVE FAQs
What would the monthly payment be for 3223 UMBRELLA TREE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,992/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 3223 UMBRELLA TREE DRIVE?+
The most recent tax bill on record (2025) was $2,239. 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 3223 UMBRELLA TREE DRIVE?+
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 Edgewater?+
At $260,000, this home is listed about 21% below the Edgewater median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3223 UMBRELLA TREE DRIVE?+
Edgewater Public 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
Three things that matter here
01Under the EDGEWATER 32141 market on paper
$260,000 is 18% below the EDGEWATER 32141 median of $317,500, and at $175/sqft it sits under the Edgewater average of $235.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $265,000, now $260,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY PROS ASSURED · Emily Van Doorn. MLS #NS1088694.
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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