42 days on market (MLS)Single Family ResidenceOpen house Sat, Oct 17, 11 AM–1 PM
$899,900
4-Bedroom Home in Sea Dunes
4805 S Peninsula Drive, Ponce Inlet, FL 32127
Single Family Residence in Sea Dunes, Ponce Inlet · No CDD on record · Built 2021
Sea Dunes · Ponce Inlet, FL 32127 · Volusia County
Listing data updated October 1, 2026 · refreshed hourly
4Bedrooms
3Bathrooms
2,333Sq Ft
2021Year Built
$386Per Sq Ft
3-car garageNo CDD on record4 bedrooms
Open house
Sat, Oct 17, 11 AM–1 PM
Times per the listing broker in the MLS; confirm before you go. Updated hourly.
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.
92% above
$/sq ft vs community
$386 here vs $201 median sold (12 mo)
Buyer leverage
Buyer advantage
42 days on market
1464.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 11 of 12
Price vs recent sales
Asking $900k tops 11 of the last 12 closed sales; also one of the largest homes here at 2,333 sq ft
As of October 1, 2026, 4805 S Peninsula Drive in Sea Dunes, Ponce Inlet is listed at $899,900 (2,333 sq ft, about $386 per sq ft). That is 143% above Sea Dunes's median closed sale of $369,900 over the last 12 months (41 recorded sales). Per square foot it is above the community's recent $201/sq ft by about 92%. It has been 42 days on market, well inside the community's typical 97 days. Listing facts: built in 2021, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2021 · 5 yrs
2,333 sq ft of living area
3-car garage
Listed at $899,900 — recent neighborhood median sale price ~$369,900 (nearby sales; deemed reliable, not an appraisal)
42 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Experience the best of Ponce Inlet from this exceptional 2021 custom-built home, where refined design meets the relaxed rhythm of coastal living. Offering 4 bedrooms and 3 full baths, this beautifully appointed residence places you moments from the beach, marinas, waterfront dining, and some of the area's most treasured landmarks. The open-concept interior is designed for effortless everyday living and entertaining.
At its center is a chef-inspired kitchen featuring quartz countertops, an oversized island, a spacious walk-in pantry, and generous workspace. The adjoining great room makes a striking impression with soaring tray ceilings and a dramatic stacked-stone wall anchored by a gas fireplace. Sliding glass doors open to the enclosed lanai, creating a seamless connection between the indoor and outdoor living spaces.
The owner's suite offers a private retreat with dual vanities, a walk-in shower, and a deep soaking tub. Tile flooring throughout the main living areas provides easy-care elegance, while impact-resistant windows and a whole-house generator add valuable comfort and preparedness. Outside, the paver patio and fire pit create an inviting setting for weekend gatherings, evening conversations, or simply unwinding in the coastal air.
The covered outdoor area provides additional space to enjoy the Florida lifestyle throughout the year. What truly sets this property apart is Ponce Inlet itself, a distinctive seaside community shaped by maritime history, natural beauty, and an enduring connection to the water. Climb the historic Ponce de Leon Inlet Lighthouse, visit the Marine Science Center, fish from the jetty at Lighthouse Point Park, explore the trails and kayak launch at Ponce Preserve, spend the day boating, or enjoy fresh seafood along the waterfront.
Here, mornings at the beach, afternoons on the water, and dinner by the marina can become part of everyday life. 4805 S Peninsula Drive offers a rare combination of newer construction, custom craftsmanship, and an unforgettable coastal setting. Come discover why Ponce Inlet is more than a destination.
It is a lifestyle.
All 44 photos
Description provided by Oceans Luxury Realty Full Service LLC and reproduced from the MLS; not independently verified.
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$899,900
Bed / bath4 / 3
Living area2,333 sq ft
Year built2021
Property typeSingle Family Residence
Garage3-car
MLS #1229897
Listing status42 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
CountyVolusia
Area listings572 active · 128 under contract
Estimated first-year tax~$16,325/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$386
Estimated monthly payment$6,432
Insurance (illustrative)$2k–$4k/yr
Messtimate range$531,924 – $604,247
Comparable-sales median$369,900
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
$6,432/mo
Principal & interest $4,804/mo75%
Taxes $1,360/mo21%
Insurance $268/mo4%
$6,432/mo at 20% down, 30-yr @ 7.03% · 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 $10,150/yr ($846/mo) — taxable value $528,448 × 19.21 mills
$6,175 more each year
(+61%)
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
$153,684
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.
$682,132
Market value
$579,170
Assessed
$528,448
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.
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)
$2k–$4k/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 zone not verified for this address — check msc.fema.gov and confirm coverage. 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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
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.
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.
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 · Lpga
Pricing & the Lpga market
How this home is priced against recent nearby sales, and where Lpga 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.
Price vs. size in Lpga
Each dot is a closed sale since 2002 (1443 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). DBAAR closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $386/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 23 (cold).
Property timeline
This home’s history
2021BuiltPer public record
About Aug 2026Listed (per MLS)MLS reports 42 cumulative days on market as of October 1, 2026
Oct 1, 2026First seen on movewithmomentum.comObserved at $899,900
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 $899,900Momentum Realty · on market 42 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales within about 10 miles in Volusia County 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.
Courtesy of ICI Select Realty Inc · View details →
Sold Aug 2026
$580,000
6263 W Fallsgrove Lane, Port Orange
4 / 3 bd/ba · 2,545 sq ft · $228/sq ft
Courtesy of Real Broker, LLC · View details →
Median of these 6 sales: $369,900 ($201/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$531,924the mess$604,247
Directional estimate — 6 comparable closed sales within about 10 miles in Volusia County, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $899,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 14% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 42 days on market vs. a 97-day community median
610 active listings competing, 104 under contract
5 closed here in the last 12 months
For reference, this home is listed at $899,900 ($386/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review 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. That's the difference between a Messtimate and a valuation.
Methodology: 2,333 sq ft × $228–$259/sq ft (interquartile band of 6 comparable closed sales within about 10 miles in Volusia County, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Scores
Momentum Property Score
33/100
Strongest on: Market timing (77), Pricing power (65)
0 limited50100 exceptional
33/100 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 $386/sq ft vs the community 12-month median $201/sq ft.
Affordability0
List price $899,900 vs the community median $369,900. Not a measure of personal affordability.
Market liquidity22
Community median 97 days on market (12-month record).
Pricing power65
Recent sales closed at about 94.9% of original asking (~5.1% below). More room below asking generally favors buyers.
Market timing77
Momentum Market Heat is 23/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 5 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.
🟡 Asking $386 per square foot, about 92% above the community’s $201 median. Lpga’s 12-month median sold price per square foot is $201. Median sold price per square foot is down 11.0% year over year. Confidence: Very High · 41 closed sales in 12 monthsMLS facts: DBAAR closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Lpga sales closed near 94.9% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of DBAAR records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 572 active listings in Lpga, no CDD assessment.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Oceans Luxury Realty Full Service LLC · MLS # 1229897
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Keep looking
Similar homes for sale near Sea Dunes
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.
Jul 2026 · Infrastructure
State Road 40 widening in Volusia advances in design
The Florida Department of Transportation project to widen State Road 40 from State Road 11 to Cone Road in Volusia County remains in the design phase, with right of way acquisition in progress and construction not yet funded, according to a project page last updated July 14, 2026. The roughly 7 mile plan would add lanes, replace three bridges, and include a multi use trail and a wildlife crossing.
Why it matters: Design and right of way work continue on widening State Road 40 to four lanes, a project that would add roadway capacity, new bridges, and a multi use trail along the western Volusia corridor once construction is funded. The project is about 10 miles northwest of Zz Dbaar Volusia Unassigned, elsewhere in Volusia County.
Daytona Beach approves Avalon Park Daytona, a master-planned community of about 8,800 homes west of I-95
Daytona Beach commissioners approved Avalon Park Daytona in May 2026, clearing the way for a master-planned community of about 8,800 homes on land west of Interstate 95. The approval also allows commercial and mixed-use space as the project builds out over many years.
Why it matters: A large new master-planned community adds substantial future housing supply west of Interstate 95, a shift that can influence competition and pricing for existing communities in the area. The site is about 4 miles southwest of Zz Dbaar Volusia Unassigned.
FDOT builds a new $75 million I-95 interchange at Pioneer Trail near New Smyrna Beach
The Florida Department of Transportation is building a new $75 million interchange on Interstate 95 at Pioneer Trail near New Smyrna Beach. The roughly 2-mile project widens Pioneer Trail to four lanes and adds a roundabout at Turnbull Bay Road, with construction underway in 2026.
Why it matters: A new interstate interchange improves access and shortens drive times in southeast Volusia, the kind of infrastructure that has historically shaped where demand and new development concentrate. The project is about 13 miles south of Zz Dbaar Volusia Unassigned, elsewhere in Volusia County.
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.
LongstreetAssigned elementary school · Volusia County School District
GRADEB
Silver SandsAssigned middle school · Volusia County School District · Grade B (Florida DOE 2025-26)
GRADEA
Spruce CreekAssigned high school · Volusia County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Amenities and HOA/CDD detail on the neighborhood guide.
Before you decide
Buyer research checklist
Items worth confirming for 4805 S Peninsula Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2021: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
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 2,333 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 $16,325/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,175 more per year than the current owner’s estimated bill (+61%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
DBAAR, refreshed hourly (last: October 1, 2026)
Comparable sales
DBAAR closed sales within about 10 miles in Volusia County, last 18 months, as of September 20, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
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 4805 S Peninsula Drive and when was it built?
Per the listing record, 4805 S Peninsula Drive was built in 2021 and has 2,333 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4805 S Peninsula Drive in?
4805 S Peninsula Drive is in Sea Dunes in Ponce Inlet, Volusia County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 4805 S Peninsula 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 4805 S Peninsula Drive differ from the current owner's?
The estimate on this page (about $16,325 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,175 more per year than the current owner’s estimated bill (+61%). 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 4805 S Peninsula Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 4805 S Peninsula 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.
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.
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 and we will review and correct or remove it promptly.
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.
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.
