686 Middlebury Loop
New Smyrna Beach, FL 32168
AI Photo highlights
A 2-bedroom, 2-bath one-story Florida builder home built in 1990. Shaker cabinets in kitchen. First-floor primary suite with walk-in closet and spa-size bath with soaking tub and double vanity. Vaulted ceilings in living area, kitchen, and bedrooms. Wood-look floors. Screened lanai with wood ceiling. Community pool and shuffleboard. 2+ car garage.
Style
Kitchen
Bathrooms
Floors & finishes
Layout & rooms
Pool & outdoor
Garage & parking
Community
Rules & fees
Generated by AI from the listing photos and description; may contain errors and is not a substitute for an inspection. † = from the MLS listing or description, not confirmed in photos. Report an error · How this works
About this home
Charming 2-Bedroom Home Near the Ocean! Discover your perfect retreat in this lovely two-bedroom, two-bath home, ideally situated just 4 miles from the stunning ocean. Enjoy a sneak peek of the serene community pond from your backyard, creating a peaceful ambiance for relaxation. The community offers a beautifully renovated pool and clubhouse with shuffleboard court. This home is not only perfect for retirement but also a fantastic family residence with easy access to nearby restaurants and shopping. Don't miss the opportunity to make this delightful property your own and enjoy the coastal lifestyle!
Home facts
- Property type
- Single Family Residence
- Bedrooms
- 2
- Bathrooms
- 2 full
- Year built
- 1990
- Living area
- 1,383 sq ft
- Price / sq ft
- $201
- Lot
- 0.12 acres
- Garage
- 2 spaces
- Waterfront
- Yes
- Annual taxes
- $1,171
- Flood zone
- AE (FEMA map)
- Beachside / mainland
- Mainland
- Subdivision
- Not On The List
- Style
- Ranch
- Days on market
- 247
HOA and fees
- HOA
- about $42 a month
- Billed
- $500 /year
From the listing. The HOA total adds every association fee listed for this home; a CDD (community development district) assessment is separate and billed with property taxes. Confirm current amounts with the association and the county.
Flood zone
- FEMA flood zone
- AE
- Flood risk
- High: 1% yearly chance of flooding (the 100-year floodplain)
- Base flood elevation
- 5 ft
In a high-risk zone, mortgage lenders require flood insurance (federally regulated and insured lenders must).
From FEMA flood maps at the home's map location (see FEMA's map), checked Oct 3, 2026. Not an official flood determination. Flooding can happen in any zone; ask an insurance agent for a quote, and a surveyor for an elevation certificate.
Features
Interior
Ceiling Fan(s), Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)
Appliances
Disposal, Electric Cooktop, Electric Oven, Microwave, Refrigerator
Flooring
Laminate
Cooling
Central Air
Heating
Electric
Patio & porch
Front Porch, Porch, Screened
View
Pond
Waterfront
Pond
Lot
Corner Lot
Parking
Garage
Roof
Shingle
Construction
Frame
Community
Sidewalks
HOA amenities
Shuffleboard Court
HOA fee includes
Maintenance Grounds
Laundry
In Carport
Utilities
Cable Available, Electricity Connected, Sewer Connected, Water Connected
Sewer
Public Sewer
Water
Public
Pets
Yes
Assigned public schools
From Volusia County Schools' current attendance boundaries at the home's map location (district school zone maps). Zones can change; confirm with the district. School choice, magnet and charter options may also be available.
Location
- Mainland
- West of the river; the beach is across a bridge
- Drive to the beach
- About 13 minutes (4.6 mi) to the beach at 3rd Av
- Drive-on beach ramp
- Beachway Av
Beachside distances are straight-line to the nearest public beach access or ramp (Volusia County data); private walkovers owned by a building aren't in the county's data. "Oceanfront lot" means the county lot lines run to the beach with nothing but beach or dune in between (Volusia County parcel map). Mainland drive times and miles follow the roads, from this home to the quickest of the nearby beach accesses; they are estimates from a routing service (OpenRouteService), and actual times vary with traffic, traffic lights, season and events. Beach driving depends on the tide and the season; check the county's ramp status before you go.
Monthly cost
- Principal & interest
- –
- Mortgage insurance (PMI) under 20% down
- –
- Property taxes
- –
- HOA
- –
- Insurance
- –
Estimates only. Taxes are estimated for a new owner from this year's local tax rates; special assessments and fees on the tax bill (garbage, stormwater, street lighting) are not included. Rates are Freddie Mac's weekly national average; yours depends on your credit, loan type and points. Insurance varies widely by company, roof, age and location: add your own quotes. The current owner's tax bill for 2025 was $1,171.
Insurance varies a lot in Florida: roof age, year built, storm protection and the flood zone drive the price. Get quotes early, before your inspection period ends. Ask Elk for help with quotes →
Listing by The Keyes Company · 386-428-5723
MLS # 1222442 · Daytona Beach REALTORS® MLS · Updated Oct 6, 2026
Listing data provided by Daytona Beach REALTORS® MLS via IDX. Information is deemed reliable but is not guaranteed. Listings are displayed with the listing brokerage. All measurements and square footages are approximate. Some IDX listings have been excluded from this website: it shows homes within 35 miles of Daytona Beach.
The area: New Smyrna Beach
New Smyrna Beach is a beach town in southeast Volusia County with oceanfront condos and cottages on the beachside, shops and restaurants on Flagler Avenue and Canal Street, and mainland neighborhoods west of the Indian River.
