173 TEMPLE STREET, NEW SMYRNA BEACH, FL, 32168
Active5 days on marketListed Aug 6, 2026MLS #O6430845
About this home
173 TEMPLE STREET
Welcome to this beautifully upgraded New Smyrna Beach home offering modern convenience, thoughtful improvements, and a peaceful setting just minutes from the coast. Situated on a desirable corner lot with a spacious yard, shy of 1/4 acre and perfect for entertaining, this home features a split floor plan with room to enjoy the Florida lifestyle. Extensive renovations in 2023 include plumbing, HVAC system with updated ductwork, double-pane windows, flooring, drywall, light fixtures, cabinets, vanities, closet systems in every bedroom, stucco, and insulation throughout all exterior walls and the attic for improved efficiency and comfort. In addition, Cat 5 wiring throughout the entire home with direct hookups in every room, USB and USB-C outlets throughout, and an exterior gas tankless water heater. Enjoy the convenience of a direct natural gas hookup in the rear of the home, perfect for your outdoor grill setup. BONUS features include an extra water hookup in the back room with another entrance, providing added flexibility for future use. Located less than 15 minutes from the beautiful beaches of New Smyrna Beach, this home offers the perfect blend of tranquility and accessibility. Enjoy nearby restaurants, shopping, entertainment, and convenient access to major highways for easy travel throughout Central Florida and beyond. With its extensive upgrades, peaceful location, spacious yard, and proximity to everything New Smyrna Beach has to offer, this move-in-ready home is a rare opportunity to enjoy coastal living with modern amenities.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,300
Sqft
0.23 ac
Lot size
1957
Year built
One
Levels
$238
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,329 /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
$2,329/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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 New Smyrna Beach actives
$238 vs $368
Days on market
5 vs 68 typical
Where $238/sqft sits among the 400 New Smyrna Beach 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 New Smyrna Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know New Smyrna Beach. See the full New Smyrna Beach guide →
NEW SMYRNA BEACH 32168 — neighborhood snapshot
Population
30,688
Median age
54.9
Median income
$72,967
Median home value
$310,200
Avg household
2.15
Households w/ children
2,507
For the school run
Volusia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The New Smyrna Beach market
$448K → $445K
New Smyrna Beach median sold, yr/yr
95.6%
Sale-to-list ratio (12 mo)
207 of 400
New Smyrna Beach actives have cut their price
Median sold price, New Smyrna Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% below the NEW SMYRNA BEACH 32168 median. See the full New Smyrna Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 173 TEMPLE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$252,000
121 ELLISON AVENUE · same community
3 bd · 2 ba · 1,216 sqft · $207/sqft · 104 DOM
Sold · Feb ’26$188,400
1990 LAKE DRIVE · same community
2 bd · 1 ba · 1,188 sqft · $159/sqft · 25 DOM
Sold · Mar ’26$188,000
525 MILL RUN DRIVE
3 bd · 2 ba · 1,300 sqft · $145/sqft · 50 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 173 TEMPLE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 173 TEMPLE STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
173 TEMPLE STREET FAQs
What would the monthly payment be for 173 TEMPLE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,329/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 173 TEMPLE STREET?+
The most recent tax bill on record (2025) was $2,494. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in New Smyrna Beach?+
At $309,900, this home is listed about 40% below the New Smyrna Beach median of $515,350. The market section on this page shows how the area is trending.
Which schools are assigned to 173 TEMPLE STREET?+
Chisholm Elementary School (elementary), New Smyrna Beach High School (high), New Smyrna Beach Middle School (middle) — Volusia County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the NEW SMYRNA BEACH 32168 market on paper
$309,900 is 17% below the NEW SMYRNA BEACH 32168 median of $374,999, and at $238/sqft it sits under the New Smyrna Beach average of $420.
02Fresh on the market
Only 5 days on market in a New Smyrna Beach market that averages 68 — if it fits, move quickly.
03Strong assigned schools
Chisholm Elementary School, New Smyrna Beach High School, New Smyrna Beach Middle School — Chisholm Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of HOME WISE REALTY GROUP, INC. · Ashley Sacco. MLS #O6430845.
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.
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