listed Aug 3, 2026Single Family Residence▼ Price cut: $2,100 (8/18)
$722,900
3-Bedroom Home in Browns
4181 Saxon Drive, New Smyrna Beach, FL 32169
Single Family Residence in Browns, New Smyrna Beach · No CDD on record
Browns · New Smyrna Beach, FL 32169 · Volusia County
Listing data checked against the MLS November 2, 2026 at 10:45 AM ET · rechecked hourly
Listed by Collado Real Estate (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
1,486Sq Ft
1971Year Built
$486Per Sq Ft
No CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
134% above
$/sq ft vs community
$486 here vs $208 median sold (12 mo)
Buyer leverage
Balanced market
90 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~15 ft elevation
$4k–$7k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
4181 Saxon Drive in Browns, New Smyrna Beach is listed at $722,900 (1,486 sq ft, about $486 per sq ft). It has been listed Aug 3, 2026. Listing facts: built in 1971, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1971 · 55 yrs
1,486 sq ft of living area
Listed at $722,900 — recent neighborhood median sale price ~$312,500 (nearby sales; deemed reliable, not an appraisal)
listed Aug 3, 2026
No HOA reported by the listing (confirm)
Listing description
About this home
GOLF CART - Street legal gas golf cart included in sale. Coastal Retreat just 2 Blocks to the Beach! Beautiful 3-bedroom, 2-bath home on a lush landscaped half-acre lot full of natural mature oak trees at 4181 Saxon Drive.
This bright, open-concept home features abundant natural light, a fully screened patio, and exceptional outdoor amenities including a hot tub/cold plunge spa, outdoor shower with instant natural gas hot water, and a charming 12 x 14 foot gazebo. The oversized paver driveway provides ample parking for vehicles, RVs, boats, and golf carts, with power hookups available for an RV. No HOA restrictions and neighbors are private.
Additional features include a whole-home natural gas generator that is only 1 year old. This property is on an elevated lot opposite the river with no flooding concerns. Hurricane windows are installed throughout and a roof was installed in 2024.
This is truly a no worry property. Property includes a large shed to store your tools and beach supplies. Shed includes lighting and power.
A lawn irrigation system was installed in 2025. All plants damaged from the freeze have been replaced. The backyard is fully fenced with gate access from the driveway.
Enjoy the best of coastal, carefree living just a few short minutes to the beach, dining, and shopping.
All 61 photos
Description provided by Collado Real Estate and reproduced from the MLS; not independently verified.
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$427,000the mess$640,500
Directional estimate — built from 18 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,792 recent closed sales we scored, the closed price landed inside the Messtimate range 58% of the time; median miss 9.6% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-01.
Actual list price: $722,900 ($486/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
Condition & updates — a 1971 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
1 active listing competing
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (18); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 1, 2026.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Aug 2026
$1,110,000
4203 S Atlantic Avenue #A1, New Smyrna Beach
2 / 2.5 bd/ba · 1,508 sq ft · $736/sq ft
Courtesy of Local Living Realty Group · View details →
Sold Oct 2026
$275,000
312 Sandpiper Court, Edgewater
2 / 2 bd/ba · 1,444 sq ft · $190/sq ft
Courtesy of RE/MAX Signature · View details →
Sold Jun 2026
$320,000
1313 Queen Palm Drive, Edgewater
3 / 2 bd/ba · 1,410 sq ft · $227/sq ft
Courtesy of Real Broker, LLC · View details →
Sold Feb 2026
$246,000
145 Oak Ridge Avenue, Edgewater
3 / 2 bd/ba · 1,398 sq ft · $176/sq ft
Courtesy of LPT Realty, LLC · View details →
Sold May 2026
$305,000
1842 Evergreen Drive, Edgewater
3 / 2 bd/ba · 1,638 sq ft · $186/sq ft
Courtesy of RE/MAX Signature · View details →
Sold Feb 2026
$325,000
1408 3rd Street, Edgewater
3 / 2 bd/ba · 1,282 sq ft · $254/sq ft
Courtesy of Watson Realty Corporation · View details →
Median of these 6 sales: $312,500 ($208/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$722,900
Bed / bath3 / 2
Living area1,486 sq ft
Year built1971
Property typeSingle Family Residence
MLS #1227001
Listing statuslisted Aug 3, 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~15 ft
CountyVolusia
Area listings1 active · 0 under contract
Estimated first-year tax~$12,925/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$486
Estimated monthly payment$5,410
Insurance (illustrative)$4k–$7k/yr
Messtimate range$276,396 – $377,444
Comparable-sales median$312,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$5,410/mo
Principal & interest $3,941/mo73%
Taxes $1,077/mo20%
Insurance $392/mo7%
$5,410/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Volusia County rate (19.21 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $3,300/yr ($275/mo) — taxable value $171,465 × 19.21 mills
$9,625 more each year
(+292%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$527,654
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$699,119
Market value
$222,187
Assessed
$171,465
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Daytona Beach Area AR; millage: Volusia County School Board FY2025-26 adopted millage 5.279 (RLE 3.027); adopted 2025-09-09. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 4181 Saxon Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $3,300/yr (certified county roll, taxable value × millage). Buy at the asking price of $722,900 and the first-year bill resets to about $12,925/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 19.21 mills); Save Our Homes caps later increases at 3%/yr.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Volusia County is $1,807/yr (3,573 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $3,500–$7,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 1971. An original roof would be about 55 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $1,228/month (tax $1,077, insurance $151). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$4k–$7k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~15 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Volusia County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Volusia County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively High
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Browns
Pricing & the Browns market
How this home is priced against recent nearby sales, and where Browns has been over 25 years. Momentum Research analysis of DBAMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
1971BuiltPer public record
Jul 2, 2026First seen on movewithmomentum.comObserved at $737,000
Jul 10, 2026Price cut$735,000 (-$2,000, -0.3%)
Aug 7, 2026Price cut$725,000 (-$10,000, -1.4%)
Aug 18, 2026Price cut$722,900 (-$2,100, -0.3%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $722,900Collado Real Estate · listed Aug 3, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
36/100
Strongest on: Flood safety (95), Insurance cost (50)
0 limited50100 exceptional
36/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $486/sq ft vs the community 12-month median $208/sq ft.
Affordability0
List price $722,900 vs the community median $312,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~15 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1971 build. Obtain a property-specific quote.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $486 per square foot, about 134% above the community’s $208 median. Browns’s 12-month median sold price per square foot is $208. MLS facts: DBAAR closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 1 active listings in Browns, no CDD assessment.
Checked against the MLS November 2, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Collado Real Estate · MLS # 1227001
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Keep looking
Similar homes for sale near Browns
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Parks Amenities
Volusia County renames Ponce Inlet's Lighthouse Point Park after conservation advocate James Milton Hunt
Volusia County held a ribbon-cutting renaming the park at the Ponce Inlet lighthouse as James Milton Hunt Lighthouse Point Park. The county council and Town of Ponce Inlet supported the change, and the state historical commission approved it because the state owns the land. The release describes no physical improvements.
Why it matters: The renaming keeps the long-protected coastal park a named public amenity near Ponce Inlet, with no change to access described. The project is about 4 miles north of Browns, elsewhere in Volusia County.
Daytona Beach presses Plaza Resort owners for a firm repair schedule on long-closed oceanfront hotel
The oceanfront Plaza Resort in Daytona Beach has been closed since 2022 hurricane damage, and owners say they have fixed some exterior problems but still need roof and structural work. A special magistrate will revisit the case on Dec. 8 to set a construction timeline, and the city wants start and finish dates rather than only permits.
Why it matters: A set repair timeline could determine whether a large beachside hotel site returns to use, affecting the surrounding oceanfront corridor. The project is about 14 miles northwest of Browns, elsewhere in Volusia County.
AdventHealth opens urgent care and primary care clinics on State Road 44 in New Smyrna Beach
AdventHealth Primary Care at 2368 State Road 44 accepts patients ages 5 and up, and Centra Care next door offers walk-in urgent care seven days a week with onsite X-ray and lab. Centra Care is the system's first urgent care in New Smyrna Beach and its sixth in Volusia County.
Why it matters: Improves access to walk-in and primary medical services for the New Smyrna Beach area. The site is about 1 mile west of Browns.
The City Council unanimously passed an ordinance on Sept. 14 barring development orders and permits for data centers, AI data centers and cryptocurrency mining facilities. A November ballot question would add similar language to the city charter. Officials cited flooding concerns and resource use.
Why it matters: Removes high-energy data facilities from the land uses available in Edgewater. The site is about 3 miles southeast of Browns.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Volusia County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Volusia County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 4181 Saxon Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1971 (55 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Volusia County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,486 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $12,925/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $9,625 more per year than the current owner’s estimated bill (+292%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
DBAAR, checked against the MLS hourly (last: November 2, 2026)
Comparable sales
DBAAR closed sales within about 3 miles, last 18 months, as of July 12, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of DBAAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 4181 Saxon Drive and when was it built?
Per the listing record, 4181 Saxon Drive was built in 1971 and has 1,486 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4181 Saxon Drive in?
4181 Saxon Drive is in Browns in New Smyrna Beach, Volusia County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 4181 Saxon Drive have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 4181 Saxon Drive differ from the current owner's?
The estimate on this page (about $12,925 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $9,625 more per year than the current owner’s estimated bill (+292%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 4181 Saxon Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 4181 Saxon Drive in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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1 / 1 photosListing courtesy of Collado Real Estate
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
