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One or more photo(s) has been virtually staged. Choose Your Own Adventure at 4612 Nellie St. If your dream includes living near the water without sacrificing space—or your budget—this is your sign that the “doable coastal life” actually exists. Set on over a quarter-acre in a quiet coastal neighborhood, this 2-bedroom, 2-bath home offers 1, 391 sq ft of bright, open living just minutes from the Intracoastal Waterway and a short drive to New Smyrna Beach—so your weekends can start looking a lot more like river breezes, sunset drives, and salty air. Now pick your path: if you want a home that lives bigger than its bedroom count, step inside and feel the lift of vaulted ceilings and natural light that keeps the main living space airy and welcoming. If your adventure ends with a little everyday luxury, retreat to the primary suite featuring a double vanity and a beautiful tile shower—the kind of upgrade you appreciate every single day. If peace of mind is what makes a home feel special, you’ll love the practical updates already handled, including new siding and a newer HVAC system, plus the ease of city water and public sewer to keep maintenance simple. If your version of “special” includes space to create, build, or tinker, head out back to the shed/workshop with 30-amp service—perfect for tools, hobbies, storage, or that weekend project that finally becomes a reality. And if you’ve been craving yard space that actually lets you live, you’ll appreciate a spacious outdoor setting with room for pets to roam, a garden to grow, and outdoor entertaining without feeling boxed in. Finally, if location is part of the adventure, you’re close to I-95, US-1, schools, local shops, and riverfront parks—so you stay connected while home still feels peaceful. If you’re looking for a coastal home that’s comfortable, practical, and genuinely attainable, come choose your next chapter.
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Our Executive Mortgage Banker:
Our Insurance Division:
$200,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $160,000 | $160,000 | $160,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.125% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.357% | 6.304% | 5.648% |
| Monthly Tax Payment | $64 | $64 | $64 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $946 | $972 | $1,297 |
| Total Monthly Payment | $1,085 | $1,111 | $1,436 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.