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Active

Active·77 days on market

1956 Pioneer Trail

New Smyrna Beach, FL 32168

$325,000$282/sqftEst. $1,721/moMLS# 2153920

↓ $44,900 below original list

Beds

Baths

1,153

Sq Ft

1939

Built

Garage

Pool

FEMA Zone AENo HOA0.50 acresSingle Family Residence1 story

About this home

New Smyrna Beach

NEW PRICE -- $325,000! SPECIAL FINANCING OPPORTUNITY! Unique New Smyrna Beach site-built home on approximately 0.50 acre encompassing three legal lots. This 3-bedroom, 2-bath home offers approximately 1,153 sq. ft. with an inviting foyer, window seat, open living area, and kitchen featuring island and quartz countertops. Recent improvements include new roof and windows (2025), new tankless water heater, luxury vinyl flooring, new appliances, ceiling fans, smart thermostat, and epoxy-coated garage floor. Detached 2-car garage plus extensive off-street parking for vehicles, boats and RVs. Spacious outdoor area with mature trees, landscaping, irrigation and fenced areas. Potential space for a future pool, subject to applicable requirements. Flexible layout may accommodate a home office or home-based business, subject to zoning requirements. Survey available showing the three legal lots.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$1,721

Estimated total, before insurance$1,721/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,118/yr · $260/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$325,000

Down Payment: 20%

$65,000

Interest Rate: 6.95%

Loan Term

Monthly Payment

$1,721

Principal & Interest: $1,721

Insurance (est.): $217

Estimated Total Monthly

$1,938

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1939)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~938 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,118/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

Sep 15, 2026Price change$325,000−$20,000
Aug 22, 2026Price change$345,000−$14,900
Aug 10, 2026Price change$359,900−$10,000
Jul 6, 2026Listed$369,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$325,000

Price / Sq Ft$282

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,153

Acres0.50 acres

Year Built1939

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryRead-Patillo

MiddleNew Smyrna Beach

HighNew Smyrna Beach

Community Information

Address1956 Pioneer Trail, New Smyrna Beach, FL 32168

Area626-Volusia County South-Beach

SubdivisionNot Validd

CityNew Smyrna Beach

CountyVolusia

StateFL

Zip Code32168

Lot Size21,780 sq ft

Parcel Number731305000010

Amenities

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected

SewerSeptic Tank

Water SourcePublic

ParkingAdditional Parking, Circular Driveway, Garage, RV Access/Parking

ViewTrees/Woods

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air

FlooringLaminate, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

SecurityEntry Phone/Intercom, Security System Owned

Exterior

Exterior FeaturesBalcony, Fire Pit

Lot DescriptionCleared, Corner Lot

Patio / PorchFront Porch, Rear Porch

FencingFenced

RoofShingle

ConstructionWood Siding

Other StructuresShed(s), Workshop

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedJuly 6, 2026

Days on Market71

Tax Amount$3,118.17

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: HOMECOIN.COM · Info@HomeCoin.com

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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Krista Fracke

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