4495 S ATLANTIC AVENUE UNIT 4040, PONCE INLET, FL, 32127
Active2 days on marketListed Aug 14, 2026MLS #O6428951
About this home
4495 S ATLANTIC AVENUE UNIT 4040
Wake up to breathtaking Atlantic Ocean sunrises in this beautifully maintained 4th-floor oceanfront condominium located in the highly desirable community of Ponce Inlet. Nestled on one of Florida's most pristine and uncrowded beaches, this spacious residence offers the perfect blend of coastal luxury, comfort, and convenience. The open-concept living and dining area is filled with natural light and flows seamlessly onto a private balcony where you can relax with your morning coffee while enjoying panoramic ocean views and the soothing sound of the waves. The well-appointed kitchen features ample cabinetry and plenty of space for preparing meals or entertaining guests. The primary suite provides a peaceful retreat with stunning water views, generous closet space, and an en-suite bathroom. Additional bedroom(s) offer flexibility for guests, a home office, or family. Residents also enjoy the convenience of in-unit laundry, assigned parking, and access to exceptional community amenities. Located just minutes from the iconic Ponce Inlet Lighthouse, waterfront restaurants, marinas, parks, and scenic walking and biking trails, this home offers the best of beachside living while remaining close to Daytona Beach, shopping, dining, and entertainment.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,492
Sqft
2.92 ac
Lot size
1
Garage
1972
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$182 /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
$182/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Ponce Inlet actives
$2 vs $371
Days on market
2 vs 119 typical
Where $2/sqft sits among the 48 Ponce Inlet actives
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 Ponce Inlet
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ponce Inlet market
$616K → $612K
Ponce Inlet median sold, yr/yr
94.1%
Sale-to-list ratio (12 mo)
28 of 48
Ponce Inlet actives have cut their price
Median sold price, Ponce Inlet, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the PONCE INLET 32127 median. See the full Ponce Inlet market guide →
Paper trail
This home's history
Reality check
What actually sold near 4495 S ATLANTIC AVENUE UNIT 4040
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$440,000
4495 S ATLANTIC AVENUE UNIT 304 · same community
2 bd · 2 ba · 1,200 sqft · $367/sqft · 105 DOM
Sold · Oct ’25$610,000
4777 S ATLANTIC AVENUE UNIT B2
3 bd · 2.5 ba · 1,520 sqft · $401/sqft · 99 DOM
Sold · Mar ’26$330,000
4752 S ATLANTIC AVENUE UNIT 1
2 bd · 2.5 ba · 1,536 sqft · $215/sqft · 35 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4495 S ATLANTIC AVENUE UNIT 4040 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4495 S ATLANTIC AVENUE UNIT 4040 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Elizabeth's phone and CRM.
Straight answers
4495 S ATLANTIC AVENUE UNIT 4040 FAQs
What would the monthly payment be for 4495 S ATLANTIC AVENUE UNIT 4040?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $182/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4495 S ATLANTIC AVENUE UNIT 4040?+
The listing reports pets: Cats OK, Dogs OK, Monthly Pet Fee. 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 Ponce Inlet?+
At $3,000, this home is listed about 100% below the Ponce Inlet median of $642,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4495 S ATLANTIC AVENUE UNIT 4040?+
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
01Under the PONCE INLET 32127 market on paper
$3,000 is 99% below the PONCE INLET 32127 median of $410,000, and at $2/sqft it sits under the Ponce Inlet average of $389.
02Fresh on the market
Only 2 days on market in a Ponce Inlet market that averages 119 — if it fits, move quickly.
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
Listing courtesy of EXP REALTY LLC · Amanda France. MLS #O6428951.
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.
Never miss a listing
New Ponce Inlet homes, in your inbox
Like 4495 S ATLANTIC AVENUE UNIT 4040 but not quite? A daily digest of every new listing in Ponce Inlet — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Elizabeth to ping you on any price or status change →