Jennifer Reinbolt
$615,0003 bd2 ba2,812 sqft$219 /sqft$4,267 /mo all-in ↓

1102 12TH STREET, EDGEWATER, FL, 32132

Active0 days on marketListed Aug 14, 2026MLS #FC320653

WaterfrontPrivate poolSingle Family ResidenceWOODRICK

About this home

1102 12TH STREET

THIS IS NOT YOUR EVERYDAY HOME, AND THAT'S EXACTLY THE POINT! Character, flexibility, privacy, and an outdoor setting nearly impossible to duplicate come together in this 3-bedroom, 2-bath home, with soaring ceilings and personality around every corner. At the heart of the home, a magnificent brick focal wall brings warmth and architectural character to the beautifully updated kitchen featuring modern cabinetry, granite countertops, and plenty of space to gather. The flexible floor plan continues with additional guest/flex space and a vinyl-enclosed Florida room overlooking an outdoor oasis designed for enjoying the Florida lifestyle. Step outside to a stunning swimming pool and expansive deck surrounded by professional landscaping, privacy, and your very own waterfront backdrop...a FULLY STOCKED LAKE! The property's expansive frontage and wide, sprawling layout open up panoramic views across the lake and natural land beyond, creating a remarkable sense of space, scenery, and privacy. And this isn't simply a lake you look at. A substantial portion of the lake lies within the property boundaries, with the property extending across the water and approximately 10+ feet onto the land beyond the opposite shoreline. Boat or paddle across to your own little piece of land and imagine a kids' fort, birdwatching spot, nature retreat, exploration area, or simply a fun destination in your own backyard. The lake isn't simply part of the view. It's part of the property and part of the lifestyle. This is salt-of-the-earth Florida living at its finest, where days can be spent swimming, fishing, gardening, exploring, watching wildlife, and simply enjoying your own little piece of the Florida landscape. The property's unique configuration brings the total parcel to just over an acre, with plenty of room to spread out and live a little differently. BRING THE BOAT AND THE TOYS! Multiple driveways, generous parking, a sprawling lot, and a 2-car garage provide exceptional flexibility for vehicles, boats, trailers, kayaks, recreational toys, and gear. Better yet, bigger-water adventures are just minutes away! George R. Kennedy Memorial Park is just over a mile from home, with Menard-May Park, River Breeze Park, and additional area launches only a few minutes' drive away, providing convenient access to the Indian River, Intracoastal Waterway, and world-renowned Mosquito Lagoon. The upgrades are just as impressive. Whole-house solar provides exceptional energy efficiency and low monthly utility costs, complemented by newer big-ticket improvements, new hurricane windows, new doors, modern garage doors, professional landscaping, an irrigation well, and more. The property is located outside of a designated flood zone and has no known history of flooding. This is the kind of home where every turn reveals something else to love. A beautiful home, swimming pool, lake, land, panoramic views, privacy, flexibility, energy efficiency, room for the boat and toys, and some of Florida's best boating waters just minutes away. The gift that keeps on giving is what you've got here! CLICK YOUR HEELS, DOROTHY. YOU'RE ALMOST HOME! All information, measurements, property boundaries, water features, and details are intended to be accurate but are not guaranteed and should be independently verified by the buyer and buyer's agent.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,812

Sqft

1.01 ac

Lot size

2

Garage

2004

Year built

One

Levels

$219

Per sqft

Private poolWaterfrontPets allowed

Inside

FlooringCarpet · Luxury Vinyl · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
FacesNorth
ExteriorHurricane Shutters · Private Yard

Community & fees

Taxes (2025)$6,689/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,267 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,319
PMI (est., until 20% equity)$231
Property tax — 2025 actual bill$557
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $61,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $61,500
Interest rate6.00%
Loan term

Estimated payment

$4,267/mo

Principal & interest$3,319
PMI (est., until 20% equity)$231
Property taxes (actual bill)$557
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $615K
$590KedgeAI estimate $962,799 · range $665K$1.7M$1.8M

vs edgeAI estimate

−36.1%

Days on market

0 vs 54 typical

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 Edgewater

Map of 1102 12TH STREET

Drive times from this address

Downtown Orlando68 min
Orlando Int’l Airport (MCO)73 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Edgewater. See the full Edgewater guide →

EDGEWATER 32132 — neighborhood snapshot

Population

8,132

Median age

57

Median income

$53,860

Median home value

$234,900

Avg household

2.14

Households w/ children

525

For the school run

Volusia County School District

ElementaryEdgewater Public School★★★★★
MiddleNew Smyrna Beach Middle School★★★★★
HighNew Smyrna Beach High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Edgewater market

Seller’s marketLeans seller4.0 months of inventoryBuyer’s market

$280K$307K

Edgewater median sold, yr/yr

96.4%

Sale-to-list ratio (12 mo)

Median sold price, Edgewater, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 82% above the EDGEWATER 32132 median. See the full Edgewater market guide →

Paper trail

This home's history

Aug 14, 2026Listed at $615,000 · 0 days on market since
2004Built · WOODRICK

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.

Jennifer Reinbolt

Your agent

Jennifer Reinbolt

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1102 12TH STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1102 12TH STREET — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Jennifer's phone and CRM.

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Goes straight to Jennifer’s phone and CRM.

Straight answers

1102 12TH STREET FAQs

What would the monthly payment be for 1102 12TH STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,267/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 1102 12TH STREET?+

The most recent tax bill on record (2025) was $6,689. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 1102 12TH STREET?+

The listing reports pets: Yes. 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 Edgewater?+

At $615,000, this home is listed about 92% above the Edgewater median of $319,900. The market section on this page shows how the area is trending.

Which schools are assigned to 1102 12TH STREET?+

Edgewater Public School (elementary), New Smyrna Beach Middle School (middle), New Smyrna Beach 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

01Positioned at the premium end

$615,000 runs 82% above the EDGEWATER 32132 median — but at 2,812 sqft it's also 74% larger than the typical Edgewater listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Listed today in a Edgewater market that averages 54 — if it fits, move quickly.

Listing courtesy of SIMPLY REAL ESTATE · Deana Frechette. MLS #FC320653.

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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