146 GARY AVENUE, Oak Hill, FL, 32759 | $212,000

One or more photo(s) has been virtually staged. Tucked between the laid-back charm of New Smyrna Beach and the energy of Cape Canaveral, this 50x176 deep-water canal lot in Oak Hill offers a rare opportunity to build the waterfront lifestyle you have been envisioning, at an attainable price point. With direct access to the Intracoastal Waterway and the world-renowned Mosquito Lagoon. The canal accommodates a 24-foot center console, sailboat, or pontoon boat, and has an existing concrete seawall already in place. New canals are no longer being cut in Florida, making established canal-front lots like this one increasingly scarce and valuable. The lot sits above sea level with no flood concerns, and there is no HOA to limit your vision.

Everything you need to break ground is already in place: impact fees are paid, and public water, sewer, and electric are connected and ready. Engineered and sealed house plans by a licensed Florida professional engineer are available for a thoughtfully designed 3-bedroom, 2-bath home featuring 1, 652 square feet under air, a 2-car garage, and a board-and-batten/stucco exterior on CMU construction. Zoned MH-5, which permits both manufactured and site-built homes. The city allows an RV on-site while your new home is under construction, so you can be present for the build without sacrificing comfort. New homes are already rising in the neighborhood, making now the right time to secure your place on the water.

Please note: select listing photos are AI-generated conceptual renderings created to illustrate the potential of this lot with a completed home and pool; they are not photographs of existing structures.

Features

  • Frontage: Canal: 50
  • Lot Size: 50 x 176
  • Lot Desc: Buildable, Cleared, City Lot, In County, Near Marina, Room For Pool
  • View: Water
  • Water Front: Yes
  • Middle School: New Smyrna Beach Middl
  • High School: New Smyrna Beach High
  • MLS#: NS1087960
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/NS1087960/146garyavenue_oakhill_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/14/2026 1:11:27 PM)
Listing courtesy of WEICHERT REALTORS HALLMARK PR   Phone: 386-427-2622

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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146 GARY AVENUE, Oak Hill, FL, 32759

$212,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $169,600 $169,600 $169,600
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.730%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,016 $1,058 $1,385
Total Monthly Payment $1,091 $1,133 $1,460

* 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.