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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active·2 days on market

6459 River Road

New Smyrna Beach, FL 32169

$684,000$570/sqftEst. $3,622/moMLS# 2165697
3
Beds
2
Baths
1,200
Sq Ft
1981
Built
3
Garage
No
Pool
FEMA Zone AENo HOA10,019 sqft lotSingle Family Residence1 story

About this home

New Smyrna Beach

6459 River Road is a MUST SEE! This completely remodeled and renovated beach home sits on a DOUBLE lot and offers an incredible combination of luxury, views, and versatility. Completely move in ready everything has been updated to include electrical wiring, lighting fixtures, A/C, propane water heater, plumbing, tile, roof, GE appliances, and newly installed luxury vinyl wood-plank flooring. A true showstopper, the home features an impressive 1,600-square-foot usable rooftop, complete with an additional 200-square-foot elevated deck, where you can take in breathtaking ocean and river views. Imagine enjoying both sunrise and sunset from the same incredible vantage point while relaxing with your favorite drink. For even more outdoor living, a gorgeous wraparound deck provides a private space to enjoy the coastal surroundings. Each bedroom offers direct access to the deck through newer PGT insulated, Low-E sliding glass doors, bringing in abundant natural light and creating an

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$3,622
Estimated total, before insurance$3,622/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,238/yr · $520/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

$684,000
$136,800
Loan Term
Monthly Payment
$3,622
Principal & Interest: $3,622
Insurance (est.): $456
Estimated Total Monthly
$4,078
*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: Concrete — year not disclosed (home built 1981)

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

Sewer (public record) · Public water (record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,720 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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

Ask about this home

As of September 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): $6,238/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 20, 2026Listed$684,000

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

Features

Price$684,000
Price / Sq Ft$570
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,200
Acres0.23 acres
Year Built1981
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

ElementaryCoronado Beach
MiddleNew Smyrna Beach
HighNew Smyrna Beach

Community Information

Address6459 River Road, New Smyrna Beach, FL 32169
Area993-Out Of Area-South
SubdivisionBethune Grant
CityNew Smyrna Beach
CountyVolusia
StateFL
Zip Code32169
Lot Size10,018.8 sq ft
Lot Dimensions10,000SF
Parcel Number850501590570

Amenities

UtilitiesCable Connected
Water SourcePublic
ParkingAttached, Garage
ViewOcean, River

Interior

Interior FeaturesBreakfast Bar, Kitchen Island, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Electric Range, Microwave, Refrigerator, Washer/Dryer Stacked
HeatingCentral
CoolingCentral Air
FlooringLaminate
# of Stories1

Exterior

Exterior FeaturesBalcony
Patio / PorchDeck, Wrap Around
RoofConcrete

Additional Information

Date ListedSeptember 20, 2026
Days on Market1
Tax Amount$6,237.57
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC. · kmgruters@aol.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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines