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109 N Cswy, New Smyrna Beach, FL, 32169

--beds
--baths
1,758sqft
$1,200,000
$683price/sqft
$7,926/moest. monthly cost
$317,040/yrincome needed

About This Home

Choose Your Own Adventure at 109 N Causeway. If your next move is all about visibility, walkability, and being right in the pulse of downtown New Smyrna Beach, this is where the story starts. If you want a location that captures locals, beach traffic, and downtown energy, you’re positioned in a high-visibility, high-traffic corridor just minutes from the ocean—and you’re B2-zoned, opening the door to a wide range of business uses including restaurant, bar, nightclub, retail, café, professional office, or a creative mixed-use concept. Now choose your business path: if you need a solid footprint that’s ready to flex with your plan, you’ll appreciate 1,982 SF in a concrete block structure with a layout that supports customization without starting from scratch. Inside you’ll find two bathrooms, a private office with storage, and a kitchen option, giving you practical pieces already in place. If your concept thrives on speed and volume—food, beverage, service-forward operations—here’s a rare downtown advantage: potential drive-thru capability, a standout feature in the core and a serious opportunity for efficiency and added revenue (buyer to verify requirements and approvals). If “parking is the make-or-break” in downtown, you’ll love having 25 on-site parking spaces, an edge that’s hard to find and easy to monetize. If peace of mind matters, the big-ticket items are already addressed with a new roof (2018) and an active termite bond with Massey. And if you’re thinking long-term value, there’s upside ahead—potential to add a second story, expanding your square footage and possibly unlocking water views depending on design and approvals (buyer to verify feasibility). Finally, if flexibility helps you get a deal done, this opportunity offers multiple routes to ownership and operation with owner financing or leasing options available. If you’re ready for a commercial address with exposure, versatility, and real upside in downtown New Smyrna Beach, come explore 109 N Causeway and choose the direction your business takes next.

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
61
BikeBikeable

Schools

10/10
5/10
5/10
New Smyrna Beach High SchoolGrades PK,9-122.0 mi

Construction

Condition

  • Year built: 1985

Type & Style

  • Home type: SingleFamily
  • Property subType: Mixed Use

Interior

Interior Area

  • Total structure area: 1,758
  • Total interior livable area: 1,758 sqft

Property

Features

  • Stories: 1

Lot

  • Lot size: 0.64 Acres

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Volusia County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $6,067$72,804
Home Insurance *$882$10,584
Property Taxes $780$9,360
Electricity $197$2,366
Total$7,926$95,112
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$271,748/yr
40% on housing$237,780/yr
45% on housing$211,360/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.9%
14.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.6%
6.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$683This listing

vs Other Active Listings

Avg $/sqft

ZIP 32169$523
Volusia County$191

vs Homes Sold Last Month

Median $/sqft

ZIP 32169$486
Volusia County$198

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-07-17Listed for sale$1,200,000
2026-05-22Pending sale$1,200,000
2026-05-21Listed for sale$1,200,000
2026-03-31Listing removed$1,200,000
2025-12-17Listed for sale$1,200,000

For Sale by Agent

AgentMarina Owens
BrokerageEngel & Völkers New Smyrna Beach

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